Auto Insurance in Plainfield, Indiana

Auto insurance is a critical aspect of responsible vehicle ownership in Plainfield, Indiana. Understanding the nuances of vehicle coverage in this region is pivotal for every driver. Car insurance not only provides financial protection but is also a legal requirement, with specific obligations that drivers must adhere to in the state of Indiana.

Understanding Vehicle Coverage in Plainfield

When it comes to vehicle coverage in Plainfield, Indiana, drivers must comprehend the various aspects of insurance policies available to them. These can include liability coverage, which helps pay for injuries or property damage caused to others in an accident for which the insured is at fault. Additionally, comprehensive and collision coverage options are available to protect against damages to one's vehicle under different circumstances, such as theft, natural disasters, or collisions.

Importance of Car Insurance in Indiana

Car insurance holds paramount importance in Indiana, and Plainfield is no exception. Having adequate auto insurance ensures financial security and peace of mind for drivers, as it helps cover the costs associated with accidents, injuries, or property damage. Moreover, insurance is a safeguard against unforeseen events, offering a layer of protection that is invaluable in times of need.

Legal Requirements for Auto Insurance

In Indiana, there are specific legal requirements regarding auto insurance that all drivers must meet. The state mandates a minimum level of liability coverage to ensure that individuals can cover the costs of damages or injuries for which they may be responsible in an accident. Adhering to these legal requirements is not only essential for compliance but also crucial for safeguarding both the driver and others on the road.

Factors Influencing Auto Insurance Quotes

Obtaining an auto insurance quote in Plainfield, Indiana involves various factors that insurance providers take into consideration. Understanding these factors is crucial for drivers seeking the best and most accurate quotes:

1. Driving Record: Your driving history plays a significant role in determining your auto insurance premium. A clean record with no accidents or traffic violations typically results in lower rates.

2. Coverage Type and Limits: The type of coverage you choose and the coverage limits you set will impact your quote. Comprehensive coverage and lower deductibles often lead to higher premiums.

3. Vehicle Details: The make, model, year, and safety features of your vehicle are influential factors. Safer and more reliable cars usually result in lower insurance costs.

4. Credit Score: In some states, including Indiana, your credit score can affect your insurance rates. Maintaining a good credit history can help you secure more favorable quotes.

5. Age and Driving Experience: Young and inexperienced drivers usually face higher premiums. Conversely, older, more experienced drivers may enjoy lower rates.

6. Annual Mileage: The number of miles you drive annually can impact your quote. Lower mileage often translates to lower insurance premiums.

7. Location: The area where you live can affect your rates. Urban areas may have higher rates due to increased traffic and risk of theft or accidents.

Comparing Quotes for the Best Rates

Once you've gathered quotes from different insurers in Plainfield, Indiana, comparing them is essential for finding the best rates and coverage for your needs:

1. Coverage Consistency: Ensure that the quotes you compare offer similar coverage types and limits. This allows for a more accurate assessment of the cost differences.

2. Deductibles: Examine the deductible amounts for each quote. Choosing a higher deductible can lower your premium, but it's essential to consider what you can comfortably afford to pay out of pocket in case of a claim.

3. Discounts: Check for available discounts. Insurers offer various discounts for factors like safe driving records, bundling policies, and more. Identifying applicable discounts can significantly impact the final cost.

4. Reviews and Reputation: Consider the reputation of the insurance companies providing the quotes. Reading reviews from other customers can offer insights into their customer service, claims process, and overall satisfaction.

5. Customization Options: Look for insurers that allow you to customize your coverage based on your specific needs. Flexibility in policy customization ensures that you only pay for what you truly need.

Navigating Plainfield Indiana Auto Coverage

Understanding the intricacies of auto insurance coverage in Plainfield, Indiana, is essential for responsible and protected driving. This section delves into the various types of coverage available, the minimum requirements mandated by Indiana law, and additional coverage options that residents in Plainfield might consider for comprehensive protection.

Types of Auto Insurance Coverage: Auto insurance coverage isn't one-size-fits-all, and drivers in Plainfield have a range of options to tailor their policies to their specific needs. Common types of coverage include liability coverage, which pays for injuries and damages to others if you're at fault in an accident. Collision coverage helps repair or replace your vehicle if it's damaged in a collision, and comprehensive coverage protects against non-collision events like theft or natural disasters. Uninsured/underinsured motorist coverage is also crucial, offering protection if you're involved in an accident with a driver who lacks sufficient coverage.

Minimum Coverage Requirements in Indiana: Every state, including Indiana, has its own set of minimum auto insurance requirements. In Indiana, drivers are obligated to carry liability insurance that includes at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in property damage coverage. Adhering to these minimums is essential for legal compliance and financial responsibility.

Additional Coverage Options in Plainfield: While meeting the state's minimum requirements is mandatory, many Plainfield residents choose to go beyond these basics to ensure comprehensive protection. Additional coverage options may include medical payments coverage for medical expenses, personal injury protection (PIP) for broader health coverage, and umbrella insurance for increased liability protection. Understanding these additional coverage options empowers drivers to make informed decisions about the extent of their insurance coverage.

Navigating auto insurance coverage in Plainfield requires a nuanced understanding of these coverage types, the state's requirements, and the additional options available. By customizing your policy to match your unique needs and circumstances, you can drive with confidence knowing you have the right level of protection.

Affordable Auto Insurance Plainfield Indiana

Affordable Auto Insurance in Plainfield, Indiana is not just about finding the lowest premium; it’s also about getting the best value for your money. Here are some effective strategies for securing affordable car insurance in Plainfield:

1. Safe Driving Habits: Maintaining a clean driving record is one of the most impactful ways to keep your insurance costs down. Safe drivers often qualify for lower premiums and discounts.

2. Bundle Your Policies: Consider bundling your auto insurance with other policies like home or renters insurance. Insurance companies typically offer discounts to customers with multiple policies.

3. Increase Deductibles: Adjusting your deductible – the amount you pay out of pocket before insurance kicks in – can lower your premium. However, be sure to choose a deductible that you can comfortably afford in case of a claim.

4. Shop Around: Don’t settle for the first quote you receive. Compare rates from different insurers to ensure you are getting the most competitive price for your coverage needs.

5. Maintain a Good Credit Score: In many states, including Indiana, insurance companies use credit scores as a factor in determining premiums. Improving your credit score can lead to lower insurance costs.

Discounts and Savings Opportunities: Insurance companies offer various discounts that can significantly reduce your premium. Some common discounts include:

• Safe Driver Discounts: Rewards for maintaining a clean driving record.
• Multi-Vehicle Discounts: Savings for insuring multiple vehicles with the same provider.
• Good Student Discounts: Discounts for young drivers with good academic records.
• Safety Feature Discounts: Savings for vehicles equipped with safety features.
• Military Discounts: Special discounts for active-duty military personnel.

Balancing Cost and Coverage: While seeking affordable insurance is important, it's equally crucial to ensure you have adequate coverage. Striking the right balance involves:

• Assessing Coverage Needs: Evaluate your personal and financial situation to determine the appropriate level of coverage.
• Avoiding Unnecessary Coverage: Tailor your policy to your needs and avoid unnecessary add-ons that can inflate costs.
• Regular Policy Reviews: Periodically review your policy to ensure it aligns with your current circumstances and make adjustments as needed.

By implementing these strategies and taking advantage of available discounts, you can achieve the dual goals of affordability and comprehensive coverage for your auto insurance in Plainfield.

Plainfield Car Insurance Rates

Car insurance rates in Plainfield, Indiana, are influenced by a variety of factors, reflecting the unique dynamics of the local insurance landscape. Understanding these factors and the trends in rates is crucial for residents looking to secure optimal coverage without breaking the bank.

Factors Affecting Car Insurance Rates:

1. Driving Record: A clean driving record is a significant determinant of your insurance rates. Accidents, traffic violations, and other infractions can lead to higher premiums.

2. Vehicle Type: The make and model of your vehicle impact insurance rates. Luxury cars and high-performance vehicles often come with higher premiums due to increased repair costs and risks.

3. Coverage Level: The extent of coverage you choose affects your rates. Comprehensive coverage and lower deductibles typically result in higher premiums, while basic coverage might offer more affordable options.

4. Credit Score: In some states, including Indiana, your credit score can influence your car insurance rates. Maintaining good credit demonstrates financial responsibility and can lead to lower premiums.

5. Age and Gender: Younger drivers, especially teenagers, often face higher insurance rates due to perceived higher risk. Additionally, gender can impact rates, with young male drivers generally facing higher premiums.

6. Location: Local factors, such as the crime rate and traffic density in Plainfield, play a role. Urban areas may have higher rates due to increased risks of accidents and theft.

Understanding Premium Calculations:

Car insurance premiums are calculated based on a combination of the above factors. Insurers use complex algorithms that weigh risk factors to determine an individual's or family's rates. While each company may use a slightly different formula, the key elements often include driving history, credit score, and the coverage amount.

Rate Trends in Plainfield, Indiana:

Keeping an eye on insurance rate trends in Plainfield is essential for residents seeking the most cost-effective coverage. Factors such as changes in traffic patterns, local legislation, and economic conditions can influence how insurance companies adjust their rates.

By staying informed about these trends and working with local insurance providers who understand the Plainfield market, residents can make informed decisions to secure reliable coverage at competitive rates. Regularly reviewing and comparing quotes ensures that you're getting the best value for your car insurance in Plainfield, Indiana.

Best Auto Insurance Companies in Plainfield

When it comes to securing the best auto insurance in Plainfield, Indiana, choosing the right insurance company is crucial. Fortunately, there are several top-rated insurance providers known for their exceptional service and customer satisfaction.

1. XYZ Insurance Group

• Why Choose XYZ: XYZ Insurance Group has consistently ranked high in customer satisfaction surveys. Their commitment to transparent policies and competitive rates has made them a favorite among Plainfield residents.

• Customer Reviews: Positive customer reviews highlight XYZ's prompt claims processing and helpful customer service. Many clients appreciate their dedication to resolving issues efficiently.

• Tailored Solutions: XYZ Insurance Group offers a range of coverage options tailored to individual needs. Whether you're looking for basic coverage or comprehensive protection, they have you covered.

2. Plainfield Assurance Services

• Why Choose Plainfield Assurance: Known for its local presence and personalized service, Plainfield Assurance Services understands the unique insurance needs of residents. Their agents are familiar with the area, providing insights that can be valuable in choosing the right coverage.

• Customer Reviews: Customers often praise Plainfield Assurance for its friendly and knowledgeable agents. The company's commitment to community involvement is also highlighted in positive reviews.

• Policy Flexibility: Plainfield Assurance Services provides flexibility in policy options, allowing customers to customize coverage based on their specific requirements. This flexibility ensures that clients pay for what they truly need.

3. SecureDrive Insurance

• Why Choose SecureDrive: SecureDrive Insurance stands out for its innovative approach to safe driving. They offer telematics-based policies that reward safe driving habits, potentially lowering premiums for responsible drivers.

• Customer Reviews: SecureDrive has received acclaim for its user-friendly app that allows policyholders to monitor their driving behavior and access important information easily.

• Innovative Solutions: If you value technology-driven solutions and the potential for reduced premiums based on your driving habits, SecureDrive Insurance could be an excellent choice.

When choosing the best auto insurance company in Plainfield, it's essential to consider your specific needs, budget, and the level of service you expect. Reading customer reviews and comparing policies can help you make an informed decision tailored to your requirements.

Insuring Different Types of Vehicles in Plainfield, Indiana

Insuring your vehicle in Plainfield involves understanding the diverse types of vehicles on the road. From everyday cars to motorcycles, trucks, and even recreational vehicles, each type requires specific insurance considerations. Car insurance policies may vary based on the vehicle's make, model, and usage. For instance, insuring a family sedan might differ from insuring a high-performance sports car or a utility truck.

Specialty Vehicle Coverage in Plainfield

Specialty vehicles, including classic cars, RVs, or ATVs, require unique insurance coverage. Plainfield residents who own vintage or collectible cars often seek specialized policies that consider the vehicle's rarity and value. Similarly, coverage for recreational vehicles (RVs) extends beyond standard auto insurance to address the specific risks associated with these larger, multifunctional vehicles. Understanding the nuances of specialty vehicle coverage ensures comprehensive protection tailored to the individual needs of Plainfield residents.

Tips for Insuring Your Car in Plainfield

Insuring your car in Plainfield, Indiana, requires careful consideration of various factors. To optimize your coverage:

1. Assess Your Coverage Needs: Evaluate the value of your vehicle, your driving habits, and the level of protection required.

2. Understand Indiana's Requirements: Familiarize yourself with the minimum auto insurance requirements mandated by the state of Indiana.

3. Compare Quotes: Seek quotes from different insurers to find the most competitive rates. Consider factors such as deductibles, coverage limits, and additional benefits.

4. Leverage Discounts: Inquire about available discounts. Safe driving records, bundled policies, and anti-theft features can often lead to reduced premiums.

5. Regularly Review Your Policy: Periodically review your car insurance policy to ensure it aligns with your changing needs and circumstances.

Navigating the world of vehicle insurance in Plainfield becomes more straightforward when armed with knowledge about the specific types of vehicles, specialized coverage options, and practical tips for securing optimal protection.

Local Auto Insurance Agents Plainfield Indiana

When it comes to securing auto insurance in Plainfield, Indiana, the benefits of engaging with local insurance agents cannot be overstated. These professionals play a crucial role in helping residents navigate the intricacies of insurance policies, offering a range of advantages that extend beyond what online providers can deliver.

Benefits of Using Local Insurance Agents:

1. Personalized Service: Local insurance agents in Plainfield, AL, provide a level of personalized service that online platforms often lack. They take the time to understand your specific needs, driving habits, and concerns. This personalized approach ensures that the insurance coverage you secure aligns perfectly with your unique requirements.

2. In-Depth Knowledge of Local Regulations: Insurance regulations can vary from state to state, and local agents possess an in-depth understanding of Indiana's specific laws and requirements. They can guide you through the mandatory coverage limits and advise on additional coverage options that might be beneficial in the Plainfield area.

3. Tailored Coverage Recommendations: Given their familiarity with the local community, these agents can offer tailored coverage recommendations based on factors such as weather conditions, local traffic patterns, and any unique risks associated with the Plainfield region. This local expertise ensures that you're adequately protected in scenarios specific to your geographical area.

Finding Reliable Agents in Plainfield:

1. Local Referrals: Seek recommendations from friends, family, or colleagues who have had positive experiences with local insurance agents in Plainfield. Word-of-mouth referrals can be invaluable in identifying reliable professionals.

2. Online Reviews: Explore online reviews and testimonials to gauge the reputation of insurance agents in Plainfield. Websites, social media platforms, and local business directories often feature feedback from clients, providing insights into the quality of service offered.

3. Professional Associations: Check whether the insurance agents you're considering are members of professional associations or industry groups. Affiliation with such organizations can be an indicator of their commitment to ethical standards and ongoing education.

Personalized Service and Local Expertise:

1. Face-to-Face Interaction: One of the primary advantages of local insurance agents is the ability to have face-to-face interactions. This personal touch fosters a stronger client-agent relationship, enhancing communication and understanding.

2. Accessibility and Availability: Local agents are easily accessible, and their availability extends beyond standard business hours. This can be crucial in emergencies or when you need quick assistance with policy-related queries.

3. Community Involvement: Many local insurance agents actively participate in community events and initiatives. Their involvement demonstrates a commitment to the well-being of the local area and often translates to a higher level of dedication in serving their clients.

Engaging with local insurance agents in Plainfield not only ensures you receive tailored coverage but also contributes to the overall support and growth of the community. The combination of personalized service and local expertise makes these agents invaluable partners in securing the right auto insurance coverage for your needs.

Understanding Comprehensive Auto Insurance in Plainfield, Indiana

In the realm of auto insurance, Comprehensive Coverage stands out as a crucial safeguard, providing a layer of protection beyond the standard liability and collision coverage. Understanding the intricacies of Comprehensive Insurance is essential for Plainfield residents seeking comprehensive protection for their vehicles.

When Comprehensive Coverage is Necessary

Comprehensive Insurance is particularly vital in Plainfield, Indiana, due to the diverse range of risks that vehicles may face. It comes into play when your car is damaged by events other than collisions. This includes natural disasters like storms or floods, theft, vandalism, falling objects, and encounters with wildlife. Considering the region's susceptibility to certain weather conditions and other potential hazards, having Comprehensive Coverage becomes a prudent choice.

Pros and Cons of Comprehensive Policies

Pros:

1. Protection Against Non-Collision Events: The primary advantage of Comprehensive Coverage is its ability to cover damages resulting from events other than accidents. This ensures a broader scope of protection for your vehicle.

2. Financial Safeguard Against Theft and Vandalism: Plainfield, like any other area, faces its share of theft and vandalism risks. Comprehensive Insurance provides financial security in the unfortunate event of vehicle theft or intentional damage.

3. Peace of Mind in Natural Disasters: Indiana's susceptibility to severe weather, including storms and flooding, makes Comprehensive Coverage a valuable addition. It provides peace of mind, knowing that your vehicle is protected against these natural calamities.

Cons:

1. Higher Premiums: One drawback of Comprehensive Coverage is that it tends to come with higher premiums. The extensive protection it offers comes at an added cost, and policyholders need to weigh the benefits against the expense.

2. Deductibles Apply: Like other insurance types, Comprehensive Coverage often involves deductibles – the amount you must pay out of pocket before your insurance kicks in. Understanding these deductibles is crucial for making informed decisions about your coverage.

3. Not Mandatory: While Comprehensive Coverage provides extensive protection, it's not a mandatory requirement in Indiana. Vehicle owners need to decide if the added protection aligns with their specific needs and risk tolerance.

In conclusion, Comprehensive Auto Insurance in Plainfield, Indiana, offers a robust layer of protection against a range of non-collision events. Assessing its pros and cons in the context of Plainfield's unique risks can help vehicle owners make informed decisions about their insurance coverage.

• A fairer kind of car insurance for lower mileage drivers.

• Simple, straightforward car insurance that you pay by the mile.

• Already got a quote?

• The less you drive, the less you pay.

• How does it work?

• It’s up to you. Either plug in our matchbox-sized Miles Tracker, or for newer cars, you can connect us directly with your car’s mileometer. It couldn’t be simpler.

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• Start a policy and you’re covered by fully comprehensive insurance, whether you’re parked or driving. You’ll get a unique per-mile rate to cover the actual miles you drive - so you won’t need to pay for more than you’ll use.

• We send you a Miles Tracker in the post to measure the miles you drive. You can plug this under your car’s dashboard in moments.

• Download our app or use our online dashboard to automatically see the cost of your journeys and access handy driving tools and reminders.

• Get a quote, quickly.

• It shouldn't take a whole lunch break to get a car insurance quote. We'll give you a basic idea of your price in under a minute.

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• Insurance and then some...

• Become a By Miles member and you get much more than just an insurance policy.

• High quality insurance that’s safe and secure.

• Learn more about our pay-per-mile car insurance policy.

• Still want more information about how our insurance works? For more information about how our policies might be able to help you save money, click on some of the frequently asked questions below:

• If you don't drive often, we like to think that the way we calculate insurance premiums is fairer and more cost-effective than traditional car insurance.

• Our policies are designed to save you money if, like many people in the UK, you drive under 7,000 miles a year. The simplest way to find out if it could work for you is to get a quick quote. Answer a few simple questions and you'll get an estimate in less than a minute.

• With us you pay a fixed yearly fee upfront to cover your car against theft, vandalism and accidental damage while it’s parked. The rest depends on two things - your per-mile rate and the number of miles you actually drive. So, if you end up driving less than you thought, you’ll pay less.

• If you don't drive much then traditional motor insurance might not offer you the best rate, and you could end up subsidising the cost of motor insurance for higher mileage drivers.

• We don’t think it’s particularly fair to pay for insurance you’re not using. So with us, you don’t. An upfront fixed cost covers your car while it’s parked, but the rest is based on the miles you actually drive. So the less you drive, the less you pay.

• Also, unlike traditional insurers, you can make up to three self-serve policy changes per year absolutely free of charge.

• Taking out a policy is simple. When you get a new quote or a renewal quote, whether you’re paying it all at the start, or splitting it monthly, there are two parts to the cost:

• When you get a quote, we’ll show you your total estimated cost based on the mileage you’ve told us you think you’ll drive over the year. This is just an idea of what you’ll pay over the course of the year. If you drive less, it’ll cost less.

• When you take out a policy, we'll send you the Miles Tracker which you can quickly plug into your car yourself.

• Once plugged in, it will connect and activate automatically. If you're driving this will happen during the trip, and if you're parked you can lock the car and leave it to it.

• It may take up to 20 minutes for the Miles Tracker to activate for the first time, but once this shows up in your app or web dashboard you're good to go. You don't have to worry about doing it ever again!

• Use the By Miles smartphone app or log into our web dashboard at dashboard.bymiles.co.uk. Depending on whether you've got a policy with a Miles Tracker or a totally trackerless one (for your connected car) you'll automatically be able to see your individual journey costs or daily mileage, and access handy tools and control free reminders for things like your MOT or car tax.

• If your car's just sitting there parked up, it stands to reason that you're less likely to have an accident.

• And if you don't drive that much, you could be paying too much for your motor insurance.

• Pay-per-mile insurance (also known as pay-as-you go, pay-by-mile or usage based insurance) isn't for everyone, but if you drive under 7,000 miles a year then it could work for you.

• Just visit our quote page to find out your upfront fixed cost to cover your car while it’s parked up and the tailored per-mile rate you’ll pay for the miles you drive.

• We'll show you a clear breakdown of the costs, including your estimated cost for the year (based on your estimated annual mileage).

• Normal insurers find it difficult to track how much you drive and will often assume you'll drive more miles than you've told them.

• You might tell your insurer you drive 5,000 miles rather than 10,000 miles, but that big difference can have little impact on the cost of your insurance.

• At By Miles, we accurately track your mileage so if you drive less, you actually pay less.

• We think a pay-by-mile policy is a fairer way to price motor insurance premiums. It can also work out much more cost effective as it gives drivers more control over their spending. The less you drive, the less you pay.

• Your No Claims Bonus is precious, we get that. With every policy, we include protection of your NCD as standard. That means you'll never lose any years of No Claims, even if you make a claim with us.

• There's no cap on your mileage and we know you may need to drive a longer trip every now and then. That's why your daily mileage costs are capped at 150 miles.

• If you drive more than 150 miles in a day, that's just fine. We just won't charge you for your mileage if you drive more than that.

• You'll be pleased to know that we do offer coverage for those summer holiday road trips.

• You get the exact same cover as you do in the UK while you're abroad in any European Union country, as well as Iceland, Liechtenstein, Norway and Switzerland, for up to 90 days in any one 12-month period. After that, you'll only get the minimum compulsory insurance as required by EU law.

• Defaqto is a well-known independent financial company specialising in scoring insurance products on the coverage they offer, and they gave our policies their second highest rating. That means the people at Defaqto think a By Miles policy offers good quality cover and a broad range of benefits. We'd tend to agree.

• We're rated 'Excellent' on Trustpilot too.

• By Miles is a 'telematics' car insurance policy, which means it uses data from your driving to help price your insurance. Sometimes people call that black box insurance. But By Miles works very differently to most other black box insurance policies out there.

• Depending on the make and model of your car, we'll count the number of miles you drive in one of two ways. The first option is using something called a Miles Tracker which you plug into your car. The second option (if you have a newer car) is that we go totally trackerless and take the information direct from your car's mileometer.

• Our Miles Tracker is a little black box the size of a matchbox. We use it to calculate how many miles you drive and work out the cost of each journey.

• If you've got a trackerless policy, you just give your car's manufacturer permission to start sending information about your mileage to us automatically. No need to plug anything in at all.

• Our policies are different to many "black box" insurance policies out there.

• It entirely depends on whether or not you’ve got a compatible car. You can find out if your car is compatible with our By Miles Connect platform by getting a quick quote with your registration number. If it is, we can get you set up in a few simple steps.

• If you've already got a compatible car and are using a Miles Tracker with us at the moment, just get in touch with us using the live chat in your app, or by calling 0330 088 3838. We'll be able to get you switched over.

• When you buy a motor insurance policy from us, we'll send you a Miles Tracker. It's a telematics (or black box) device about the size of a matchbox that plugs into your car.

• In order for us to offer you fairer, smarter car insurance, you need to plug this little box into your car's OBD-II socket (this stands for On Board Diagnostics), also known as an OBD port. We'll give you full instructions for your car when you buy a policy.

• Once it's plugged in for the first time, the Miles Tracker will automatically activate. Plugging in should only take a few minutes, but we'll always be on hand to help if you find it a bit tricky.

• Don't unplug the Miles Tracker after this, as we need it to accurately measure your journeys so we can calculate your insurance premiums.

• If you unplug the tracker, we'll charge you the maximum daily rate of 150 miles at your per-mile rate until it's plugged back in, and we may cancel your policy.

• Our little black box can't always communicate with us in real-time if you have low GPS signal, but it will keep tracking your journey in the background. If you're in an underground car park or you're driving in an area of outstanding natural beauty and there's no signal or reception, it might take a little while to find signal again, but when you do the journey will show up in your app.

• When you get a quote from us, we'll check your car is compatible with our Miles Tracker. All cars made after 2002 will have an OBD-II socket, but some might be harder to find than others.

• The OBD-II socket is normally found under your car's dashboard, generally within 2 feet of your steering wheel. Depending on your car's make and model, it might be hidden behind a panel or in a drawer.

• Once you're a By Miles member, if you download the By Miles smartphone app or log into our web dashboard, you'll see full instructions for your car about where the black box plugs in.

• If you still can't find your car's OBD port or you're struggling to plug in, you can contact us via live chat in the app, or get in touch with our activations team at a-team@bymiles.co.uk . If your OBD-II socket is in an awkward location, we can send you a free extension cable so you can put the Miles Tracker in a more convenient place.

• By Miles car insurance policies are all about the miles you drive, and we either use your car's mileometer readings or use our Miles Tracker telematics device to measure the miles you drive. It's important to note that we price your car insurance premiums on how far you drive, not how well.

• While we'd always encourage motorists to drive safely, responsibly and within the speed limit, we don't change your premium based on the way you drive, where you drive, when you drive, or the speed you drive at. We only use the information you give us when you start your policy and the miles you travel to work out your car insurance premiums.

• Your driving data is safe and secure with us, too. We use information from you connected car or the Miles Tracker to manage your insurance policy and better understand how and when accidents occur, but we'll never share it with anyone else without your permission. We'll never share any information about your driving with the police either, unless we're specifically asked to as a result of a court order.

• For more information on the data we collect from your car or with our Miles Tracker and what we do with it, you'll want to read our privacy notice.

• Not at all. We built the By Miles smartphone app to offer you a range of handy driving tools and help you easily keep track of your journeys so you can see how many miles you've driven and the cost of each trip.

• At the same time though, you don't need to use our car insurance app to be insured.

• If you don't have a smartphone, you can use our web dashboard instead — and if you don't want to use the app or website, that's fine too.

• Whether you're using a Miles Tracker or you're on a trackerless policy, we measure your mileage automatically and it works totally independently of the app and website. We email you a monthly statement to let you know how much you've spent anyway.

• Our user-friendly smartphone app offers more than just your journey history. We've added a range of free tools and reminders that can help you save time and money, including:

• Find my car – Use the app to help find your car if you've forgotten where you've parked in a massive airport car park (if your car is stolen, it can help us track it down too)

• Car medic – If you've got a warning light on your dashboard, you can use the app to scan your car for codes related to the engine, battery or other mechanical issues. Car medic helps to translate your engine codes into plain English.

• Handy reminders – Get reminders for your MOT or car tax from our team, with automatic reminders soon to arrive in the app.

• Journey estimate and petrol calculator – Work out the likely cost of your motor insurance for a journey before you drive it, and calculate the cost of petrol for the trip too.

• Please note: Depending on whether you're on a trackerless or Miles Tracker policy, we can't always offer all of the tools above - it totally depends on the make and model of your car.

• Click here for a free, no obligation quick quote. We like to think we've made it as easy as we possibly can. Just answer a few simple questions and we'll give you an instant estimate for a pay-per-mile policy.

• If the numbers look like they'll work for you, you can go ahead and get a full quote in a matter of minutes. Don't forget to enter your information accurately and honestly or the quote you see might not be valid.

• Yes. With By Miles every policy you have fully comprehensive cover at all times. That means when you take out a policy, and subject to any excess, you'll get cover included for:

• With By Miles, you pay your premiums for your driving on a monthly basis.

• However, at the start of your annual policy, you still need to pay an upfront fee for the year to cover your car while it's parked.

• At the moment we don't offer the option of paying the annual fee on a monthly basis, as we're not keen on adding hefty interest payments like many other insurers do.

• After you start your policy, you just pay monthly premiums, based only on the number of miles you've driven. So if you don't drive, you won't pay a penny more — a bit like a pay-as-you-go phone bill.

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• Churchill Court, Westmoreland Road, Bromley, BR1 1DP

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• Contact us between 10am - 4pm on weekdays, weekends and bank holidays.

• Email us any time at hello@bymiles.co.uk

• Get in touch on live chat:

• Click here to chat

• Contact us between 10am - 4pm on weekdays, weekends and bank holidays.

• Email us any time at hello@bymiles.co.uk

• Authorised and regulated by the Financial Conduct Authority (FCA) number 773046. By Miles Ltd, Churchill Court, Westmoreland Road, Bromley BR1 1DP is a registered company number 09498559 incorporated in the United Kingdom. Registered with the information commissioner’s office (ICO) number ZA219758.

• Prices in the image are for illustrative purposes only. Actual per mile rate is individually tailored and could be higher or lower once we’ve taken into account factors such as your address, no claims history and driving record that may change your premium or ability to be insured.

• © By Miles Ltd.