How does your pricing work?

Unlike other insurance companies who charge a fixed rate, our rate is broken down into two parts. The first is a low monthly base rate and the second is a per-mile rate. At the end of each monthly cycle, your bill will include the next month’s base rate in addition to the cost of the miles driven over the past month. The base rate is determined by a daily rate multiplied by the amount of days in each month, so shorter months will cost less. Your bill will almost always be different each month but your rates will not change within the 6-month period unless you request a change.

How are the base and per-mile rates determined?

Just like other insurance companies, several factors are considered when creating your unique base and per-mile rate. These can include: driver age, credit history (state specific), type of vehicle, driver history, and length of prior insurance (state specific).

What if I take a long road trip?

Your daily mileage charges are capped at 250 miles per day for each vehicle (150 miles per day in New Jersey). You will not be charged for the miles above those amounts in any calendar day.

What if I drive over 10,000 miles? Will my rate go up?

You will never be penalized or have your rate increase purely because of an increase in annual miles. You are allowed to drive as much as you’d like, but just keep in mind that you will be charged for each mile that you drive up to 250/day (150/day in New Jersey).