A bit off topic but I'm hoping that someone will know the answer.. Okay, currently the distance my husband travels to work is about 3 miles each way. Once we move his drive will increase to about 30 miles each way. Our insurance rate will increase quite a bit because of usage(increase in daily driving). If we put in a change of address online and don't volunteer this daily mileage change, is it likely they will find out? If so, what actions would they take?? Could they refuse to pay a claim in the event of an accident simply because we did not disclose the actual daily usage?? I really don't want to pay the extra but I will do it if this will in any way affect our coverage(if they will deny claims or whatever). In addition, if asked I would NEVER lie about it. I just want to know if there will be trouble if I don't volunteer this information. TIA....
I am an agent. You don't have to volunteer the info, and it is very unlikely that a claim would be denied because of it. Just don't lie on an application though with you signature.
Chances are, it wouldn't make that much difference in your rate anyway. Where you are likely to see a change is when you change your address, the rate for the area where you are moving may be different than the rate where you are now. You can move 1 block, in some cases, and have a totally different rate.
Also depending on what state you live in, there are insurers who don't rate on mileage driven. I know that Progressive doesn't rate on mileage in most states.
Do you carry auto and home owner insurance with the same carrier? They may find out sooner than you think. Also, you will need to give your auto insurer your new address anyway.
Yes. I have Geico for auto insurance now. I planned to make the change of address online and see if they notice. I'm not sure if they know which base my husband works at so they might not know the exact distance from the house to his work unless I tell them. Also..I do plan to go ahead and let them handle my homeowner's insurance for a while at least. I'm sure they will but two and two together really quick. Breeze, I did a quote the other day (with the change) and the rep said it would be approx. $100 more (for 6 months). She said that our usage would go up. She did not mention if the insurance in the area was the cause. I can't believe that it is since the house is out in the country and I currently live in the city. But you never know how they figure the rates.... Thanks everyone. I will be 100% truthful if they ask but if they don't I won't volunteer any information.
GEICO does rate for high commute, and you probably had a discount for low commute, before. They know where your hubby is stationed. They make notes when they talk to you. Not for checking up on you or anything, just documenting the info, sometimes just so we can converse with you. Call and ask them what you can do to get the rate down some. Or, if you email me and tell me what state, I will tell you some ways to save that only apply to active duty military.
Oh, when figuring annual milage, don't forget times when the vehicle may not be in use at all - deployment, TDY, training at another base, etc. - they can figure those into the total and it may cut your actual mileage down.
