What Are the Consequences of Exceeding Your Annual Mileage Limit with Progressive Insurance?
Maintaining proper insurance coverage is crucial, especially when your vehicle is financed or leased. Recently, I secured a new policy with Progressive, set for an annual mileage of 11,999 miles. However, due to the nature of my job, my yearly driving distance can fluctuate significantly, raising questions about what happens if I surpass this limit.
According to my insurance broker, if I go over my estimated mileage, the typical scenario is that Progressive might attempt to adjust my premium accordingly. Alternatively, they could suggest switching to a different provider that offers more flexible terms. From my research online, I’ve encountered claims that exceeding your mileage cap could result in being denied claims in the event of an accident, but I haven’t found specific details in Progressive’s official policy documents.
Since my vehicle is relatively new and still under financing, it must remain fully insured at all times. I want to avoid any surprises or complications should my travel needs increase unexpectedly during the year. To clarify, my policy’s mileage cap is 11,999 miles, but I estimate I drive around 12,000 miles annually—give or take. I want to emphasize that I am not attempting to misrepresent my driving habits; my goal is to understand the real-world implications of exceeding my mileage limit.
Has anyone experienced a similar situation or has insight into how Progressive handles mileage overages? What should drivers know to ensure they remain compliant without risking coverage issues? Your advice and experiences would be greatly appreciated.
