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Metromile

Metromile is a modern auto insurance provider that works well with drivers who need coverage but do not drive very much. Traditional insurance carriers underwrite their premiums based on many external factors, including driving history, state mandates, car make and model, and other personal information. Metromile is challenging the traditional insurance premium by offering a mile-by-mile payment plan that aggregates your driving data and assigns a flat per-mile rate. Metromile claims drivers can save over $900 annually thanks to their unique pricing structure. Drivers who drive less than 10,000 per year will enjoy the cost savings and flexible pricing offered by Metromile. This review will discuss Metromile’s operating strategy and help you decide if they may be a good fit for your personal situation.
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  • pay-per-mile car insurance
  • Save up to $947/year
  • Modern Car Insurance
  • Pay Per Mile
  • User Friendly
  • Coverage
  • Claims
  • Discounts
  • Final Thoughts

Modern Car Insurance

The auto insurance industry is constantly evolving, and technology-driven carriers are making a big impact. Data analytics and driver behavior become important components for underwriting coverage as technology grows.

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Pay Per Mile

Metromile’s primary benefit is its pay-per-mile program. Policyholders pay a monthly fee ranging from $30-$60 depending on their coverage, and Metromile charges a fixed rate per mile driven.

Road trips don’t impact your daily driving rate because all miles above 250 in a single day are free. Consumers utilize Metromile’s Pulse plugin device for their car, which tracks their driving data and sends it to the insurance carrier.

Metromile will tailor your bill to your driving habits by automatically billing you once it has all of the data from the previous month.

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User Friendly

Metromile is a very user-friendly platform, and most of its functionality can be used through its app. Whether you want to go on a trip, submit a claim, or alter your policy, you can do all of it through the Metromile mobile app.

The app also has unique city functionality so you can track where you parked your car, analyze your trip data, and in some cities, it will alert you of street sweeping so your car won’t get towed or ticketed.

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Coverage

Metromile offers the following coverage lines:

  • Comprehensive coverage
  • Collision coverage
  • Uninsured or underinsured motorist coverage
  • Bodily injury and property damage liability

Most consumers will be familiar with services such as comprehensive coverage and collision coverage, but Metromile also provides pet protection coverage with its policy.

If your pet rides with you regularly, it will be covered for up to $1,000 of medical expenses in case you are in an accident.

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Claims

You can submit claims through the app or call Metromile directly. They use an AI-backed claims processing service that cuts down on the adjustment process by guiding users through it. For example, the service will instruct policyholders to take photos, document the scene of the accident, and more.

Once you gather all of the information, Metromile will connect you with roadside assistance and other services providers, so you don’t need to worry about getting a ride or scrambling to find help.

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Discounts

Metromile offers a handful of discounts depending on where you live.

Discounts can include:

  • Vehicle alarm system
  • No at-fault accidents
  • Discount for continuous coverage
  • Discount for mature drivers
  • Multicar
  • Car safety equipment discount.
  • Online quote discounts
  • Paperless statement discount
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Final Thoughts

Metromile is a powerful insurance solution for drivers who need coverage but don’t want to overpay for miles they aren’t driving.

One of the most compelling aspects of Metromile’s business is the free trial offered by its Ride-Along program. If you want to know if your driving style can benefit from Metromile, you can sign up for Ride Along, which lasts 17 days. At the end of the Ride Along period, Metromile compiles your driving data to provide the most competitive rate they can offer you.

If their rate is a better deal, you can lock it in and switch to Metromile’s auto insurance.

Whether you want to learn more about auto insurance or compare rates from some of the top providers in the market, you should check out our other guides and reviews. Our team has vetted many providers, and we want to equip you with the knowledge to make an informed decision on your next auto insurance policy.

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