Metromile stands out from other auto insurance companies by offering pay-per-mile insurance. They can save you money on car insurance by only charging you for what you use. Your base car insurance quote will be a rate that you pay based on your driving history and vehicle. You will be charged an additional monthly mileage fee as they track the miles you drive every month. You don't have to sacrifice great coverage and customer service for a cheaper insurance rate, either. The company has a claims team that is available 24/7 and a mobile app that allows you to track your miles, bill at all times, and file insurance claims. If you live in an urban area and don't drive your car much, Metromile may be a good fit for you..
Coverage from Metromile
Metromile Insurance is a pay-per-mile auto insurance company in which you pay monthly based on how much you drive. They currently only offer insurance for personal automobiles. They offer coverage for bodily injury, property damage, uninsured and underinsured motorist, collision, comprehensive, personal injury protection/medical payments coverage, rental reimbursement, and emergency roadside assistance.
More about Metromile
Metromile allows you to start the claims process online and you can file a claim right from your mobile device. The Metromile Pulse device that measures your miles can also provide data to help speed up the claims process and you can choose to use that data. Certain claims can be resolved in the same day in as little as hours.
Metromile only tracks and charges you based on the miles that you drive. The Metromile Pulse device is installed on your car's OBD-II port to securely measure your miles. It does not track how you drive and you will not be charged based on your driving habits.
They have a modern and convenient app for policyholders. Users are able to keep track of how many miles they have driven, view their bill, and even keep track of the health of their vehicle and never lose where you park it by using the GPS portion of the Metromile Pulse device.
The base rate you pay is determined by your driving history and the characteristics of the vehicle that you drive, among other factors. Additionally, you will not be penalized beyond a certain amount of miles if you go on a road trip. Every mile that you drive over 250 miles per day is free (150 miles in New Jersey).
You can save an average of $500 on your car insurance per year, according to the company's website. If you drive 2,500 miles or less in one year, you could see savings up to $650. Even if you drive 10,000 miles in a year, you could see savings of up to $300.