According to the American Automobile Association, the average national price of unleaded regular gasoline on June 9, 2008 was $4.023 per gallon. On June 9, 2007, the price was $3.091 per gallon. Motivated by news reports of the escalating price of gas and the confirming reality at the pumps, consumers are looking for an edge. The Consumer Federation of America and similar public interests groups are promoting the "drive less, pay less" mantra of reduced insurance premiums. Now policyholders are asking agents and insurers, "How much less do I need to drive, and what can I save?" The answer isn't simple. Different underwriting rules abound, even within companies. Allstate, for instance, offers decreased mileage deductions at certain levels of policy choices.

Main Street America Group takes a longer view. Spokesperson Mark Friedlander said,

"We price based on three-to-five year results, a process called smoothing. With regulatory requirements in the 17 states where we write business, we do not adjust our pricing based on current market conditions."