Well, the more miles your car spends on the road, the more opportunities there are for you to hit someone, for someone to hit you, etc. Therefore, you should expect the *possibility* that your premium will be higher the more miles you expect to drive.
Although there may be a surcharge for people with high mileage, it is meaningless. Where you live is far more important.
Case in point: I had a 40-mile daily commute, which dropped to zero when I moved from the suburbs to the city. My apartment was literally 100 yards from my job (on the same side of the street, no less). My premium DOUBLED, despite the fact that the car was driven 90% less than before. Yes, I shopped around, and no, it didn't help.
With zero commuting miles, the car was parked 100 yards away from where it would have been parked anyway. My apartment parking lot had 24-hour security and video surveillance while my employer had neither. I drove the car to all of the same places I drove before, but they were now closer, so I drove less. If you move from an urban area to a rural area, you will probably get a HUGE DISCOUNT no matter how many miles you drive! My experience is in Connecticut; your actual mileage may vary.
I got the message and moved back to the suburbs. Now I have an 80-mile commute and I pay less than ever before! Am I worried about the high cost of fuel? Why should I be? My insurance company loves the fact I drive so much. They like it so much, they even pay for the gas!
In Connecticut, your zip code seems to be much more important than how much you drive, the type of car, your age, gender, or driving record. I could probably insure a Corvette (and maybe even hit a few people) before my premiums went back to what they were before.
Average miles driven per month or per year is a factor considered by auto insurers in determining rates (which translate into premiums) for certain kinds of coverages. The theory is that there is a statistical correlation between the two; the more miles driven will result, again in theory, in a greater likelihood of a mishap and therefore, in a claim.
Are Danny Devito and Joe Devito related?
How old is Danielle cohn?
40 thousandths equals how many hundredths?
Do mother birds really abandon their chicks if a human touches them?
Are Joe devito and Danny devito related?
Do octopus have nipples?
What is slappy phone number?
What does chongito mean in spanish?
Where is the origin of the Panama hat?
Have you ever crashed a wedding or had your wedding crashed, if so what happened?
How many times did Joe Biden run for president?
What is the world’s oldest soft drink?
How many novels did Charles Dickens write?
What do the colors on America's flag mean?
How did Harry Houdini come up with his stage name?
What is modal fabric?
What does y2m mean in knitting?
What is distinction percentage in ICSE?
BA-28 which is a recommended water-skiing safety practice?
What happened to Simon o'brien's eye?
What is the sequence of the mRNA made from the gene TTACAGGTCCCA?
What is your primary responsibility when other boats are in your area?
What is Alan Hansen doing now?