Damon V.
PLEASE read all of the negative reviews…
PLEASE read all of the negative reviews before your purchase - I wish I had!! I work from home, so this insurance at first seemed to make a lot of sense. Like most insurance companies, they charge you a policy fee/set up fee. Once your first 6 month policy completes and you renew for another 6 month period, you should NOT be charged this again - they already have you set up in their system, they should not be recharging you this every time. Once I saw they were deceptively charging me, I cancelled my 2nd 6 month policy after 4 days of coverage. Of the $139.95 charge on month 1 of 6, and only having coverage for 4 days, they returned $54.47 or 39% for FOUR DAYS OF COVERAGE. When you see their very nicely worded response and how their fees are layered a certain way, bottom line there is no way I should have only gotten 39% of my money back for 4 stinking days of coverage. You have been warned...
Response from Mile AutoJul 24, 2025
Dear Damon, thank you for your feedback posted on Trustpilot. We have reviewed your renewal and want to correct your understanding of the charges associated with your policy renewal. First, $38.82 was owed for mileage your vehicle was driven during the prior term for which you had not yet been billed. Since you were with us for a full 6-month term, you will recall that Mile Auto charges a base monthly rate each month that does not change during the term, plus – in your specific case – 4.6 cents per mile. In the last month of your prior term, you drove 844 miles, which totals the $38.82 owed for the last month in your prior term. With regard to the balance, just as we did for your initial 6-month term, you were charged an upfront $25 policy fee which is collected at the beginning of each term regardless of whether you continue for the full term or terminate the policy early. The balance of the fees are for our mileage capture and validation technologies, payment processing fees and an anti-theft fee required by the State of Texas. As a result, the refund you received is actually 87% of the base premium paid and mileage charges. We hope this helps explain your particular situation. Mile Auto makes every effort to clearly share premium details and fees in each monthly statement, and we understand that charges for mileage in the prior term plus payments for the new term can create confusion. Best regards, Mile Auto Customer Success