Should We Encourage a Pay-Per-Mile Car Insurance System?


Most people are comfortable accepting that their car insurance policy is an inconvenience. It’s the price they have to pay in order to be able to drive on the highways. It’s not possible to cruise the friendly skies in our cars at the moment, but it is on its way. They accept that they will have to pay for insurance even if they aren’t driving. This is not a problem if they’re only out for a Saturday night at their home, but it becomes more irritating if they’ve had recent surgery or if your car has been sitting in your driveway for six years.

All that is changing with pay-per-mile insurance for car insurance will be paid. This revolutionary new system, which isn’t new to car insurance companies-many drivers have been trying to get it adopted in all 50 states for years), will allow drivers to purchase affordable policies that are not based on their vehicle type but rather on how much time they spend on the roads.

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Pay-per-mile works in the same way as a prepaid telephone card. You get paid for (X) miles. Your car will no longer be covered after you drive beyond that amount. You can now add more money to your account. It’s a smart idea to ensure that you don’t have a cop looking over your car insurance card!

You simply tell your insurance company how many miles you plan to drive over the next six-months when you buy insurance with a pay per mile system. It could be 2,000 or 20,000 miles depending on what your profession is. To enjoy full coverage, you’ll need to pay (X). This amount is measured in months, not miles. When you reach that point (whenever it happens to be), you can simply call your insurance company and ask them to add money or miles to your account. Now you’re good to go.

Many car insurance companies argue for a pay per mile system. They claim it is too difficult to enforce and will cause unnecessary aggravation for everyone involved. However, experts differ. Your insurance policy is not based on how long you have owned your car, but the miles you’ve driven. Therefore, your insurance card will show a mileage number and not a date. If you have a card from before the cancellation, it is possible to slip an uncanceled car insurance policy through the officer.

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When your odometer tells you a different story, it’s much harder to convince them.

Pay-per-mile systems offer more than the financial benefits. Think about the amount of carbon dioxide that cars emit into the atmosphere. Experts believe they are the primary culprit for the damage we have done to our ozone layer. They are not helping to reduce the amount of smog that surrounds major cities. We don’t have the incentive right now to avoid the roads. Why pay for car insurance that you won’t use? To save money on car insurance, you might be more careful with how you use the miles you have already purchased.

We should also support a pay per mile system. Absolutely. This is true.