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Old 10-10-18, 12:39 PM
  #11  
I-Like-To-Bike
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Join Date: Oct 2004
Location: Burlington Iowa
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Bikes: Vaterland and Ragazzi

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Originally Posted by genec View Post
Right, but we are getting that rate based on the fewer miles we drive, not our "skill" as cyclists.
I get a better car insurance rate for insuring my house with the same company, I also get a better rate for insuring a second car with the same company.

I get a discount on both cars because of their low annual mileage.

All of these reductions are NOT based on my driving skill; that reduction I get in addition because I never had a car collision claim.

I have made claims on comprehensive insurance for hail damage (totaled the car), stone and volleyball damaged windshields and deer strike fender damage, but that did not affect insurance rates in any way.
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