Low-mileage vehicle vs work vehicle Allstate's position on the matter.

[BarkingGhostar]

A year after buying a weekend car we placed it on a policy with Allstate as a low-mileage vehicle. The alternative is that it would be treated as a third work vehicle, even if only two drivers in a three vehicle household existed (it does). Allstate's requirement for low-mileage is not driven for than 7,000 miles in a given year. Luckily we've not gone over this for this third vehicle but I have to wonder why such a definition exists n the first place. Allstate had low-mileage and work vehicle as the only definitions that I am being informed of without going into special vehicle classes like boats, RVs, motorcycles, etc.

But why can't someone be driving more than 7K miles per year and it not be for work? For instance, my daily beater isn't beaten that much because I telecommute half the time. This means I drive that vehicle on more days for something other than work. But based on mileage it is a work vehicle. Find it hard to believe that two days driven for work makes it a work vehicle. Do any of you find yourself driving a particular vehicle for more than 7K miles in a year not for work?

 

[who?]

The fewer miles you drive the less likely you are to get into a wreck. Maybe work vehicles are on the road when there is more traffic raising the risk of an accident.

 

[GagHalfrunt]

Maybe work vehicles are on the road when there is more traffic raising the risk of an accident.

Or maybe insurance companies will simply use any excuse possible to charge you more. I wonder which of those options Occam's Razor supports?

 

[s0me0nesmind1]

Its pretty simple, no? They expect low mileage. Less miles is less time on the road. Less time on the road is less likely to have a wreck or accident. Hence, lower monthly premium for less risk.

 

[Carson Dyle]

Doesn't strike me as all that odd. Two classifications - low mileage and X. You just need to forget they use they term "work". It's either driven low miles or it's not.

 

[BarkingGhostar]

Doesn't strike me as all that odd. Two classifications - low mileage and X. You just need to forget they use they term "work". It's either driven low miles or it's not.

I somewhat agree with this and with that then one needs to ask why are they using that term to begin with? Just simply advertise tier-rates and be done with it. To presume one MUST be using a vehicle for work as a primary use based solely on mileage seems childish. Even then they offer no discounts for drivers that drive 2nd/3rd shifts and against the majority flow of traffic, whereby lowering their chances of accidents.

Jokingly ... if they could legally discriminate based on current EOE/EOC I wonder what my annoying customer rate would be.