... That could save money and trouble: Insure the Driver, not the Car. In the State of Utah, if you (an individual, no family, etc) have 4 cars that are capable of being driven (registered, etc) you are REQUIRED by law to have insurance on each vehicle...so figure as cheap as you can per vehicle and times that by 4 or as expensive as you can imagine, and times that by 4... Why not figure the most expensive to insure vehicle that you own, and just charge you that much...then you could drive any other car you own, and it would be covered, because your insurance is geared to the most expensive to insure car... This makes sense because you can only drive one vehicle at a time. Then I could also drive other people's vehicles (no real special rider needed) because my insurance would be on ME and not on the car... Rental agencies do this to some degree... As for this idea...I don't see what the problem is. Each year you go in for Safety and Emissions inspections, just have the agency take the odometer reading and report back to the insurance company, who then figures the miles driven by a simple mathematical operation called "subtraction"...who then sends you a bill for the insurance on the miles driven (or an estimate of the miles you drive per year, making up the difference (to you or to them) in subsequent years...) How much more simple could it be?