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Why doesn’t my insurance company offer mileage based insurance?
Why do some states not offer the Milewise pay-per-mile insurance with Allstate?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Mileage-based or
pay-per-mile
insurance has many benefits for people that drive infrequently or only short distances, but not every company offers this option in every state.Your state department of insurance regulates all of the insurance carriers in that state. Each state has specific regulations that insurance companies must follow in order to do business in that state.
In order for a company to offer mileage-based insurance in your state, they would need to submit a proposal of the type of policy and how they intend to rate the policy for review by the insurance department.
Because every authorized insurance company is required to file their insurance rates with the state department of insurance for approval, either your company has not sought approval in your state yet for this type of insurance, or the state has not yet granted approval.
If you are looking for ways to save money on your car insurance, consider using an online comparison tool like
Jerry
to find the best rates for you.” View full answer
- Gregory R.
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