Monday, July 27, 2009

Farmer's Annual Mileage Survey

Farmer's recently sent me a mileage survey to track how many miles I anticipate to drive in the upcoming year. Farmer's outsourced my auto insurance through one of their affiliate companies - Mid-Century Insurance Company. Mid-Century estimates me to drive 35,454 miles in the next year.

I'm not sure where Mid-Century Insurance Company obtains their estimates from, but not many people drive that many miles in any given year. How can that estimate be the average miles driven? The external sources claim that the average person drives 35,454 miles annually. Are they also averaging in truck drivers in calculating those estimates?

Since I don't commute to a physical work location, I don't drive that often. In the next year, I don't plan to drive more than 7,500 miles. Maybe I will drive less frequently because I don't have time to travel.

Regardless, I'm baffled by the 34,454 mile estimate. I understand that driving excessive miles increases insurance premiums because there is a greater chance that a motorist may get involved in an accident.

Farmer's Insurance is a good company. I have auto insurance on two cars, life insurance, and renter's insurance with them. I've had ongoing coverage since March 2003. The only thing that puzzles me is how they figure out the estimated miles to be driven. Other than this mileage survey, I have been happy with Farmer's.

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  1. They take the miles on your vehicle and divide it by the age of the vehicle. If it is incorrect, call you agent and you can sign a document ton hae the miles corrected...

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  27. The estimate that was generated for your vehicle is based off of your prior odometer readings on your vehicle and state averages for commuter miles driven. It is a suggestion, should you expect your driving habbits to remain the same for the upcoming year. If this estimate seems high, I would suggest reaching out to your insurance agent for assistence in completing the survey. Agents are typically more than happy to help you save on your renewal and will help you determine what you should set your estimate at. Thats what there here for!

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