The Hidden Problem with Per-Mile Insurance Estimates
Most people underestimate their driving by 500+ miles per month, leading to bill shock and switching headaches. We'll show you how to get it right from the start.
Why Do So Many People Get It Wrong?
Our analysis of thousands of customers reveals exactly why mileage estimation is harder than it seems. Here's what we discovered:
Underestimate how much they drive
Extra miles per month they actually drive
Get close to their actual driving habits
Common Mistakes
- • Only counting work commutes
- • Forgetting weekend trips and errands
- • Missing vacation and seasonal travel
- • Not accounting for traffic detours
Why Accuracy Matters
- • Per-mile insurance charges for every mile
- • Underestimating causes budget surprises
- • Accurate estimates help product selection
- • Can switch products with no fees
Real Impact
💡 Just calculates the best deal for you and notifies you when you can save money by switching plans.
Our Solution: Get It Right From the Start
Use our calculators to avoid the common mistakes and get an accurate estimate
Simple Mileage Calculator
Answer a few questions about your driving routine to get a reliable monthly estimate.
We've Got Your Back
Life changes, and so does your driving. Just actively monitors your usage and keeps an eye on the best deal for you. Need to switch plans? We make it instant - same day, zero fees, no hassle.
Active Monitoring
We track your actual usage and proactively identify when switching plans could save you money. Get notified when a better deal is available.
Instant Switching
When life changes, your insurance can change with it. Switch between per-mile and traditional plans instantly with zero fees.
🎯 The Result: Insurance that works with you, not against you
We actively look out for your best interests, monitor your usage, and keep you on the most cost-effective plan. No fees, no hassle, no getting stuck with the wrong coverage.
The Key: Matching You to the Right Type of Insurance
Both traditional and per-mile insurance have their place. The important thing is getting you on the product that saves you the most money.
Traditional Insurance Works Best For:
High-mileage drivers (1,200+ miles/month)
Predictable costs - same bill every month
Road trip lovers and long commuters
Ride-share drivers and delivery workers
Per-Mile Insurance Works Best For:
Low-mileage drivers (under 1,000 miles/month)
Work-from-home and retired drivers
City dwellers who walk, bike, or use transit
Weekend-only drivers and car sharers
The Just Advantage: You Get Both Options
Unlike other insurers who lock you into one product, Just offers both traditional AND per-mile insurance. We help you find the right fit and switch between them anytime your driving changes - no fees, same day.
Our Complete Solution: Beyond Just Getting Estimates Right
Day 1 Odometer Reading
We capture your starting odometer reading when your policy begins, establishing an accurate baseline for tracking your actual driving patterns.
Day 10 Reality Check
After 10 days, we check your odometer again to give you a realistic preview of your monthly driving. This early indicator helps you understand if your estimate was accurate.
Instant Product Switching
Realize you drive more than expected? Switch instantly to our Just Unlimited product through the app with zero wait time and no fees. Most competitors charge fees and take days to process changes.
Monthly Odometer Tracking
We use odometer readings (not phone tracking) to ensure 100% accuracy. You're never overcharged for miles you didn't actually drive.
Want Even More Accurate Estimates? Try These Methods
Use Your Phone to Track Historical Mileage
Google Maps Timeline
Google Location History
View detailed driving history with exact routes and distances.
How to access:
- 1.Open Google Maps → Timeline
- 2.Select a time period to review
- 3.Add up total driving distances
Privacy: Can be turned off in settings
iPhone Location History
Apple Location Services
iOS tracks frequent locations to help estimate driving patterns.
How to access:
- 1.Settings → Privacy → Location Services
- 2.System Services → Significant Locations
- 3.Review travel patterns and estimate distances
Privacy: Data stays on your device
Mileage Apps
Third-Party Apps
Apps like MileIQ automatically track and log your driving.
How to access:
- 1.Download a mileage tracking app
- 2.Allow location permissions
- 3.Let it run for 1-2 weeks, then review
Privacy: Check each app's privacy policy
Manual Tracking Methods
Track Everything for One Week
Log every trip - work, groceries, gym, social visits, errands. Multiply weekly total by 52 weeks.
Check Maintenance Records
Look at oil change records or registration renewals to see actual historical mileage.
Add Seasonal Buffer
Account for summer road trips and holiday travel. Add 15-20% for unexpected trips.
Don't Forget Weekends
Weekend driving often equals weekday driving. Include shopping, social visits, and errands.
Consider Life Changes
New job, kids' activities, or aging parents can significantly increase your driving.
Map Your Routes
Use Google Maps to calculate exact distances for your regular destinations and routes.
Refine your estimate with our calculators
Mileage Estimation FAQs
What if I get my mileage estimate wrong?
No problem at all! This is exactly why Just offers both per-mile AND traditional insurance with instant switching. If you underestimate your driving, simply switch to our Just Unlimited plan through the app - same day, zero fees. We make per-mile insurance completely risk-free to try.
How does Just make per-mile insurance safe to try?
Just is the only insurer that offers both per-mile AND traditional insurance with instant switching. Start with your best estimate, and if your driving changes or you realize you drive more than expected, switch instantly with zero fees and no waiting period. You're never stuck with the wrong plan.
Why do people sometimes underestimate their mileage?
It's actually pretty common - about 67% of people initially underestimate by focusing mainly on their daily commute. They often forget about weekend trips, errands, social visits, and vacation travel. The good news? With Just, you can always adjust or switch plans instantly if needed.
How does Just help me find the perfect insurance fit?
Just gives you a 10-day reality check by comparing your day 1 and day 10 odometer readings, so you quickly see if per-mile is working for you. We also provide free calculators and tracking tips. Most importantly, you can switch to traditional insurance anytime with zero fees if per-mile isn't the right fit.
How does Just track my mileage accurately?
Just uses both odometer readings and phone tracking, but odometer readings are always there to ensure we never over or undercharge you. While phone tracking provides convenience, odometer readings are 100% accurate and serve as the ultimate protection - you only pay for miles you actually drive, never more.
Can I switch between per-mile and traditional insurance if my driving changes?
Absolutely! This is what makes Just unique and risk-free to try. We offer both per-mile AND traditional insurance plans, and you can switch between them instantly through our app - same day, zero fees, no waiting period. Drive more than expected? Switch to unlimited. Driving less again? Switch back to per-mile.
Ready to Try Per-Mile Insurance Risk-Free?
Start with your best mileage estimate, get a quote, and enjoy the flexibility to switch between per-mile and traditional insurance anytime - same day, zero fees.
Free calculators • Instant quote • Both per-mile & traditional plans • Switch anytime, no fees