Your anecdote supports my point and undermines your own. Use has everything to do with it. That is why your insurance company wants that mileage information. I change my own oil and easily go years between visits to the mechanic, so there is no way my mileage info is leaking. There are only two times I have had to report mileage: 1. when I had a special discount from liberty mutual for driving less than 500 miles a year; and 2. now because I switched to metromile.

In both cases (again) use has everything to do with it.