Mile Auto Insurance offers a unique pay-per-mile model, catering to low-mileage drivers. But is it a good fit for your needs? This comprehensive review analyzes Mile Auto’s coverage, customer feedback, and overall reputation to help you make an informed decision.
Mile Auto Insurance: A Deep Dive
Mile Auto, founded in 2010, specializes in pay-per-mile auto insurance. This model allows drivers to pay based on the miles they drive, potentially saving money for those who don’t frequently use their vehicles. Headquartered in Atlanta, Georgia, Mile Auto boasts an “A” rating from the Better Business Bureau (BBB), indicating excellent customer service. However, it’s important to note that Mile Auto is not BBB accredited and lacks a rating from AM Best, a leading insurance industry credit rating agency. While Mile Auto itself isn’t rated by AM Best, its underwriter does hold an “A” rating, signifying financial strength.
Mile Auto Insurance Coverage Options
Mile Auto focuses solely on pay-per-mile personal auto insurance. This includes minimum liability coverage mandated by each state, with options for higher liability limits. Comprehensive and collision coverage are also available, often required for financed or leased vehicles. Additional options like rental reimbursement and roadside assistance can be added to your policy.
Understanding Mile Auto Insurance Costs and Discounts
Mile Auto’s pay-per-mile structure inherently offers discounted rates for low-mileage drivers. There aren’t traditional discounts listed, as the pricing model already incorporates savings based on usage. Your premium is primarily determined by the miles driven, making it a cost-effective choice for infrequent drivers.
Mile Auto Customer Service and Claims
Mile Auto provides customer service via phone and a website contact form. However, specific phone service hours aren’t readily available. The claims process details are also limited on their website. Working with an independent insurance agent can streamline communication and claims filing for a smoother experience.
Mile Auto Insurance: Customer Reviews and Ratings
Mile Auto generally receives positive customer reviews, particularly praising its affordability and ease of use for low-mileage drivers. Clearsurance reviews highlight significant monthly savings and appreciate the simple odometer photo reporting instead of GPS tracking. However, some negative feedback mentions difficulties with canceling policies and limited customer service availability.
Is Mile Auto Insurance Right for You?
Mile Auto is a viable option for low-mileage drivers seeking affordable coverage and a straightforward payment structure. The pay-per-mile model can result in significant savings. However, the limited coverage options, lack of AM Best rating, and customer service concerns should be considered. Researching “Mile Auto Insurance Reviews” and comparing quotes from other insurers are crucial steps before making a decision. If you prioritize affordability and value simplicity, Mile Auto might be a good fit.
