[Ben Ficklin]

"The cost of tracking the milage would be enormous."

USAA Auto insurance simply asks the customer how many miles per year. This is done on a yearly basis.

[Alberta's Child]

I know. But once you get above a certain point (10,000 miles per year, I think) the rates don't change. USAA is more interested in how the vehicle is used than in how much it is used. Someone who takes a bus to work most days but puts 12,000 miles per year on the vehicle pays a lot less than someone who drives five miles each way to work and puts only 5,000 miles on the car.