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Does auto insurance charge you based on assumption of travel?

Do insurance companies take mileage into account when calculating rates and premiums?

Agent Answer

Kristine Lee

Insurance companies will ask you approximately how many miles you drive but it is not a rating factor for premiums except in the state of California. California rates on mileage because they see it as a determining factor in how likely you are to get into an accident. The more frequently you drive, the higher the likelihood of getting into an accident as opposed to someone who is seldom behind the wheel.

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