Why Does My Metromile Bill Vary?

Some things in life are consistent and predictable: long lines at the DMV, sticker shock at the movie theater, and an overflowing email inbox every Monday morning. But other things fluctuate a bit. Case in point: your monthly Metromile statement. Have you ever wondered why your bill varies from month to month? If so, you’re far from alone — it’s one of the most frequently asked questions customers have, so today, we’re tackling it head-on.

driver_holding-phone_for-web_1

Here’s the deal in a nutshell: Metromile isn’t just unique in its pay-per-mile structure and execution; it’s also totally innovative in its approach to billing. Unlike most other insurance companies who charge a hefty fee regardless of whether you drive 5 miles or 5,000 miles, Metromile charges a low base rate to cover your car while it’s parked, and then tacks on pennies per each mile your car is actually driven.

So essentially, customers really only pay for what they use, which Metromile thinks is a pretty fair way to do business. Because of that model, however, you’ll inevitably see some fluctuation from month to month. Unless you’re strictly sticking to a mileage budget, you’re probably mixing up your time behind the wheel quite a bit. Maybe one month you’re relying on public transportation a little more heavily and the next month you’re off on a road trip. No matter what comes up in your life, Metromile’s mission is to keep your costs as low as possible.

next month's base rate + previous month's total miles = 1st bill

Why Your Bill Varies Every Month and Why That’s a Good Thing

So what exactly is the math behind that monthly bill variation? There are a few good reasons for the ups and downs you observe each month.

First, let’s talk about that base rate. That sum is determined by a daily rate multiplied by the amount of days in each month. So, as you can expect, shorter months will always cost slightly less (i.e. February vs. October, or any month with 30 days versus those with 31). Despite the subtle nuances, your actual daily rate will never change within a six-month period unless you make a specific request.

While your base rate will pretty much stay the same throughout the month (give or take the cost of a few days, depending on the length of the month), the other portion of your bill may rise and fall quite a bit — that’s the pay-per-mile portion. Because Metromile doesn’t believe in charging customers for miles they don’t drive, you’ll always be in complete control of your mileage charges and have the opportunity to budget miles accordingly.

your bill pie chart

Because miles are charged retroactively, you’ll always have the opportunity to reflect on your actions from the previous month and, if necessary, make adjustments. Took one too many long joyrides or repeated Target runs last month (hey it happens)? If money’s tight this month, you might choose to do more errands on your bike or walk to work a few days a week to save some dough.

Bill Control

Having a varying bill means you’re in control of what you pay — not an anonymous insurance company charging an arbitrary rate. You can even monitor your monthly bill on a daily basis if you want to, just to be extra sure you’re staying on or below your car insurance budget. Any time you know you need to put aside some more cash for the month, you’ll know if and when driving less can save you more.

Still Have Questions?

Even when it’s simple, billing can still be confusing, so if you still have questions, don’t hesitate to reach out on Twitter, Facebook, or Instagram or visit the help center. And if you’re still not sure whether Metromile is the insurance company for you, visit metromile.com or call 1.888.242.5204 to get a free quote.

What Will Transportation Look Like in 2019?

New year… new transportation methods? Since the days of Back to the Future, the world has been poised for flying and self-driving cars. If the future really is now, how are we doing on these futuristic transportation options and what other transportation methods are available to us now that can help us keep our mileage low?

long exposure photography of road and cars

Transportation Trends in 2019

2019 is here, people. Let’s look into the forms of alternative transportation available to us now, and in the future.

Autonomous Vehicles

Pretty much every big player in the auto industry is hard at work researching and developing an autonomous vehicle. Key players include Tesla and Alphabet/Waymo (the parent company of Google). Tesla is pushing for a vision-based system, with cameras positioned strategically around the vehicle taking in the 360º view of surroundings as the car moves. Alphabet/Waymo has a LIDAR system (Light Detection and Ranging) on their vehicles, which is a spinning apparatus on the top of the car that sends out lasers and measures how long it takes for them to bounce back – similar to how bats use echolocation! This system is able to definitively calculate the distance of objects and is much more accurate and reliable than a vision-based system. However, LIDAR does not work very well in fog, rain, or dust, due to its use of light wavelengths, and doesn’t distinguish color and contrast.

Other smaller (but still extensive) companies in the space are Uber and GM/Cruse. Fundamentally, all of these companies are focused on creating a system to identify other cars and obstacles on the road and developing the navigation necessary to make self-driving cars a reality.

Some states do not allow the testing of autonomous vehicles on the road – no surprises there! The state of California requires all companies testing self-driving technology to publish a Disengagement Report. This report details how many miles the self-driving system has driven in the state of CA and reports the number of times that the human driver has had to take over for the self-driving system. Given this (and the fact that many companies are wary of publishing this information), many are moving beyond the CA state lines and testing their technology elsewhere. Uber has a large deployment of self-driving tests being conducted in Phoenix, Arizona, and Tesla has been rumored to be testing their tech entirely on a simulator.

Tunnel-Transit

Elon Musk’s Hyperloop (LA) and Express Loop (Chicago) saw a lot of testing and speculation in 2018. Often criticized, tunnels are expensive to build and take a long time. Additionally, many city infrastructures wouldn’t be able to handle it. Innovative tunnel technologies and companies, such as Elon Musk’s The Boring Company, have a ways to go before they’re ready for universal adoption. We’re at least five years out from any of them coming to fruition.

Electric Scooters

Chances are if you live in or have been to a major city recently, you’ve seen electric scooters on every street corner. Across the country, more and more cities have been adopting electric scooters as another means of public transportation. Nowadays, there are so many companies offering them it’s hard to keep track.

In the pros category, electric scooters are easy and cheap transit for short distances. They work well on flat surfaces and are faster than walking to your destination. However, the cons include a lack of dedicated infrastructure, environmental hazards (such as rain or snow), and riders not always following the rules (including wearing helmets, not riding on sidewalks, not riding when drinking, etc.). We can expect to see a nationwide crackdown on regulation of electric scooters in 2019.

Electric Vehicles

As in 2018, California will continue setting the pace with electric vehicle policies and deployment in 2019. Other states are beginning to catch up, with legislation aimed at boosting and strengthening electric vehicle development. Expect to see electric vehicles getting bigger and better this year, with more SUVs, longer mileage ranges, and lower costs.

Additionally, utility companies are rolling out programs to meet electric vehicle demand. In addition to rebate programs, many utility companies are creating time-of-use programs to shift charging times toward less stressful times for the power grid.

Public Transportation

Public transit ridership has decreased over the last year in most major markets due to an increase in car ownership and the rise of rideshare services like Uber/Lyft. To combat this and incentivize more people to take public transit, some cities are looking at enacting congestion pricing that would charge drivers more for roadway access during rush hour. This idea has been successfully implemented in cities abroad, including Singapore, Stockholm, and London.

The question remains, however: will cities be able to overhaul their current systems with long-term investment to expand current transit coverage? That’s the only way to truly make this system work on a larger scale.

Still Have Questions?

Have questions about what you can do to lower your mileage? Reach out to us on Twitter, Facebook, or Instagram. Questions about coverage? Visit the help center. If you’re not already part of the Metromile fam, make the switch and start saving today! Click here to get a free quote.

6 Habits for A Healthy New Year

It’s never a bad idea to implement positive, healthy changes in your life, but no time of year has that fresh slate feeling quite like January. Declaring “new year, new me!” may seem cliche at this point, but self-improvement is a sincerely worthy goal (whether you post about it on social media and hashtag the heck out of it or not). And while resolving to write that movie script you know will make you millions is certainly a worthy objective to work toward, setting small, actionable intentions that benefit your overall wellbeing are worth their weight in gold.

Woman running on path next to body of water. Blue sky

Here are six to get your 2019 started off on the right foot:

  1. Eat a healthy and diverse diet.
  2. Unsurprisingly, January ‘tis the season for weight loss brands to target just about everyone with get-thin-quick plans and gimmicks. At best, most restrictive diets are ineffective in the long run; at worst, they’re dangerous. Rather than falling prey to marketers and influencers trying to sell you their “groundbreaking” food plans, consider opting out of diet culture altogether and focusing on what really matters: feeling your absolute best. Barring any allergies or specific sensitivities, most people thrive on a diet plan that consists of common sense choices and a nutritious array of mostly-plant-based options (with the occasional treats thrown in to stave off potential restriction-induced binges).

    A good guide for integrating healthier options: renowned health writer Michael Pollan’s “food rules,” which include, “don’t eat anything your great grandmother wouldn’t recognize as food,” “don’t eat anything that won’t eventually rot,” and “don’t eat anything with more than five ingredients, or ingredients you can’t pronounce.” So maybe try stocking up on more colorful fresh produce of all kinds and cutting back on the processed stuff.

  3. Drink plenty of water.
  4. Celebrities swear it’s the reason for their clear skin, and just about every wellness blogger claims to consume a gallon a day: H2O. While it may not eradicate zits or solve all your problems, water is a majorly important component in helping your body process waste, regulate temperature, lubricate joints, and protect sensitive tissues. While each person’s individual water needs may vary, sipping consistently throughout the day any time you’re thirsty is a good idea. Exercise, environment, and certain health conditions will affect your total intake needs, but try tuning into what your body is telling you and remember that beverages like herbal tea and juice can keep you hydrated too. And fruits and veggies are packed with water — another reason to include more of them in your diet!

  5. Aim for 30 minutes of exercise most days of the week.
  6. You’ve heard it a million times: physical fitness is an essential part of overall health. And it’s true: exercise can do everything from reduce your risk of heart disease to regulate your blood sugar and insulin levels and more. It can even help boost your mood and sharpen your cognitive skills.
    And it doesn’t take too much to reap the benefits: experts recommend getting at least 150 minutes of moderate-intensity or 75 minutes of vigorous-intensity aerobic activity each week in addition to twice-weekly strengthening sessions.

    But according to a recent report from the Centers for Disease Control and Prevention, only 22.9% of U.S. adults between the ages of 18 and 64 are meeting the guidelines. Whether people are intimidated by the gym or stuck in all-or-nothing thinking that convinces them to stay on the couch unless they’re ready to run a marathon, too few people are taking part in physical fitness. The good news is you don’t have to chain yourself to a treadmill to get results. Recent research indicates that short bursts of activity throughout the day count toward your overall goal. So take the stairs, park a few blocks away from your destination, walk with friends, and just keep moving as much as you can.

  7. Spend more time outside and less time online.
  8. Look, we’re all guilty of falling into a swiping/scrolling spiral, sinking far too many minutes (or hours) into our tech devices and depriving ourselves of the great outdoors. But getting outside (and off your phone) is so important for your health. According to a report published in 2018, exposure to “greenspace” (i.e. undeveloped land with natural vegetation, including parks) reduced the risk of type II diabetes, cardiovascular disease, premature death, preterm birth, stress, and high blood pressure. On the flip side, too much screen time has been linked to impaired vision, disturbed sleep, serious posture problems, and more. Consider logging off and getting some vitamin D (the “sunshine vitamin” that’s crucial for healthy bones, teeth, immunity, and more) — just be sure to wear sunblock!

  9. Get a good night’s rest every night.
  10. Ah, sleep. That critical piece of the wellness puzzle that seems to always get overlooked. We all know we need it, yet so many of us are skimping on the 7-9 hours most adults need (more than one-third of us, actually). But sleep is a non-negotiable must for good health because it allows your body to repair, heal, and recover from the stress of everyday life. Not to mention lack of adequate sleep can negatively impact your motivation, mood judgement, and perception of events.

    There are a slew of ways you can start cleaning up your sleep hygiene, but one important tip is to ditch tech, as studies have shown the blue light emitted from screens and electronics can suppress your body’s natural production of melatonin, the hormone that controls sleep-wake cycles. Other tips harken back to some of the health goals here: integrate more exercise, balanced eating into your life and you might just find yourself drifting off to dreamland with ease.

  11. Drive less (and save more!).
  12. Everyone loves to save a few bucks (maybe it’s another one of your new year’s resolutions?), but budgeting is always better when there’s a health bonus involved. Enter Metromile: the pay-per-mile car insurance that’s perfect for low-mileage drivers. By stepping up your daily walking, jogging, biking, and more, you might find yourself keeping the car parked in the garage more than before. And while that might seem wasteful if you’re shelling out tons of cash on a monthly insurance premium, Metromile makes sure you’re only paying for the miles you actually drive, on top of a low monthly base rate. So no guilt, better, health, and more money in the bank. Sounds like a win all around — what a way to start the year!

    If you’re ready to stop overpaying for car insurance and start fresh in 2019, visit metromile.com for a free quote or call 1.888.242.5204 to talk to a qualified agent. And if you’re already a Metromile customer and you’re looking for more ways to save, contact an agent online or by phone to talk about all the options out there.

Honda Car Maintenance Checklist

Chances are, if you’re a Metromile policyholder, you drive a Honda. How do we know? Since 2017, the top 2 cars that Metromile has sold policies for are the Honda Civic and Honda Accord. Eagle-eyed readers know that we’ve already shared our top tips for car maintenance if you’re a low mileage driver and our guide to Metromile Roadside assistance, so today we’re diving into something special for all you Honda drivers.

Honda SUV overlooking a cliff full of clouds

Did you know that Honda is the largest engine manufacturer in the world? Honda sure knows their way around a car engine! In 2011, Joe Cicero from Maine became the first person to ever to reach 1 million miles on the original engine and transmission (a 1990 Accord!). To celebrate his accomplishment, Honda gave him a parade and a new 2012 Accord. By taking great care of your Honda engine today, you could become the next Joe Cicero! Let’s dive into some of our best car care tips for all you Honda drivers.

How To Keep Your Honda Running Like New

For all Honda models, performing regular maintenance according to the factory-recommended maintenance schedule is the best way to keep your vehicle running in optimal condition. Take care of your Honda now and it will give you miles and miles of worry-free driving in the future.

If you drive a Honda Civic

Maintenance schedules can either be calculated with miles or months, depending on which you reach first. If you’re a consistent commuter, you’ll want to schedule your maintenance around a mileage system; if you don’t drive the car as often, you’ll want to follow the month system.

Here’s a quick list of maintenance items for your new Honda Civic:

  1. Every 7,500 miles/12 months: Get your oil changed
  2. 15,000 miles/12 months: Replace the engine oil filter, inspect front and rear brakes, check parking brake adjustment, and visually inspect elements such as brake hoses, fluids, cooling systems, exhaust systems, etc.
  3. 30,000 miles/24 months: Replace the engine oil filter, replace air cleaner element, inspect front and rear brakes, check parking brake adjustment, replace spark plugs, inspect and adjust drive belts, and inspect valve clearance
  4. 45,000 miles/36 months: Replace the engine oil filter, inspect front and rear brakes, check parking brake adjustment, replace brake fluid, and replace engine coolant
  5. 60,000 miles/48 months: Replace spark plugs, replace the engine oil filter, inspect front and rear brakes, check parking brake adjustment, inspect and adjust drive belts, and replace air cleaner element

If you drive a Honda Accord:

If you take care of it, your Accord can keep going, and going, and going…. Honda recommends a routine service appointment about every 5,000 miles for your Honda Accord. You should also schedule additional special services at other mile intervals as well.

Below is a breakdown of all of the services your Accord needs and when they need to be performed:

  1. Every 5,000 miles: Change oil and filter, rotate tires, inspect brakes, and top off fluid levels
  2. Every 30,000 miles: Replace spark plugs and air filter and inspect and adjust drive belts
  3. Every 45,000 miles: Replace coolant and brake fluid
  4. Every 90,000 miles: Change transmission fluid
It’s important to note that each service appointment should involve an oil change to promote the longevity of your engine.

General Honda Maintenance Checklist

Low oil can have a disastrous effect on your Honda’s engine, so you’ll need to check that level the most often. Following the guidelines below of items to check (but not necessarily change), you can rest assured that you have all of your bases covered:

  • Check the engine oil and coolant levels every time you fill the fuel tank
  • Check the transmission and brake fluid levels about once a month
  • Check your tire pressure every month, since the pressure inside the tire can change when the air temperature outside the car changes
  • Every month, check to make sure all of your lights are working properly

Periodic Maintenance Items By Mileage:

Every 5,000 Miles
  1. Change the engine oil and oil filter
  2. Rotate the tires
  3. Inspect the front and rear brakes
  4. Check all fluid levels and conditions
  5. Inspect the suspension and exhaust system
  6. Check brake lines and hoses, cooling system hoses and connections and fuel line hoses

The following mileage marks are when you should have these items changed, replaced or checked. Do these maintenance items when this mileage shows up on your Honda’s odometer.

30,000 Miles
  1. Inspect valve clearance
  2. Replace spark plugs
  3. Replace air cleaner element
  4. Inspect or replace drive belts
45,000 Miles
  1. Replace engine coolant
  2. Replace brake fluid
60,000 Miles
  1. Replace spark plugs
  2. Inspect or replace drive belts
75,000 Miles
  1. Replace engine coolant
90,000 Miles
  1. Change brake fluid
  2. Replace air cleaner element
  3. Replace spark plugs
  4. Replace drive belts
  5. Change transmission fluid

While it initially may seem like a lot, staying on top of these vehicle maintenance guidelines will keep your Honda in tip-top shape for years to come. Who knows – maybe Honda will even throw a parade in your honor!

Whether you’re a Honda driver or not, this handy maintenance checklist is valuable to any car owner. Want to join the Metromile fam and save hundreds on your car insurance? Click here to grab a free quote. To our Metromile family members, we love and appreciate you every day – you are the reason we do what we do! Refer a friend to Metromile and get $25. Everyone likes a little extra cash in their pocket this holiday season! Be safe out there and see you on the roads.

10 Ways to Save Money in 2019

There’s no better time to initiate good habits than January. Everything feels fresh and new, and you’ve likely already resolved to be a new and improved version of your former self. Maybe you’ve vowed to be more responsible, more organized, or more independent. One route to achieving all those goals and more? Cha-ching.

That’s right: making smarter decisions when it comes to spending can completely transform your personal and professional life. Money definitely isn’t everything…but it sure does help. And feeling totally secure about your finances will help you feel in control in all areas of your life.

Ready to start feeling like a total boss? Here are 10 ways to grow your bank account in 2019:

    1. Set financial goals. Hoping to travel? Buy a new car? Maybe even purchase your first home? Think about what you really, truly want, get excited about it, and then strive for it. Commit to your goal by writing it down or even creating a vision board with pictures and phrases that motivate you — bonus points for displaying it somewhere you can see it every day.

    2. Take stock of what you pay for. Are you really watching anything on cable these days or are you exclusively getting your entertainment via Netflix? Have you actually attended a class at that expensive gym since….last January? If you’re not getting full use out of each of your expenses, consider downgrading or eliminating them completely.

    3. Pack your lunch. Maybe it doesn’t sound as fun as an impromptu afternoon at the Olive Garden (or wherever your coworkers wind up), but it’s unbelievable how much money you can save just by making your own meals at home. Think about it: if you spend $10-$15 (or, let’s be honest — more) five days a week, that’s anywhere from $2,600 – $3,900 a year. Brown bag it instead and save all that cash for something special.

    4. Look for deals. You don’t have to be a compulsive coupon clipper to reap the rewards of available bargains. Websites and apps like RetailMeNot and BradsDeals make it ridiculously easy to comparison shop and find deals on big-ticket items and smaller splurges.

    5. Brew your own coffee. Just like packing your lunch will help you save, skipping the super fancy and overpriced coffee shop latte will spare you tons of wasted dollars. You can even buy a personal french press that doubles as a travel mug to brew your own on-the-go java for pennies.

    6. Set up automatic transfers. Everyone’s eyes widen with possibility when they see their paycheck hit their bank account, but to avoid the temptation of burning through it, set up an automated transfer to your savings account on your paydays. It doesn’t have to be a big amount, but putting a chunk of change out of sight will keep you from spending it.

    7. Couple bad habits with good ones. Everyone deserves to indulge now and then, but if you’re trying to break a bad habit, kill two birds with one stone and pad your savings account while you’re at it. For every dollar you spend on something you consider a “bad habit” purchase (alcohol, junk food, cigarettes, etc.), deposit a dollar directly into your savings account.

    8. Walk whenever you can. In some cases, logging the steps necessary to get to the office takes just as much time as dealing with gridlock traffic or the hassle of public transportation — not to mention it’s great for your health and it’s totally, completely free.

    9. DIY more. Modern technology has made it absurdly easy to pay your way out of every inconvenient task, but taking the time to fix your old appliances, making your own homemade gifts, or putting together your Ikea furniture will save you lots of cash and help you realize how capable you totally are.

    10. Switch to Metromile. Not only will you save money on your car insurance, but you’ll avoid the exorbitant costs of street sweeping tickets, mechanic shop visits, and other money pits. Wanna know how? Check us out now.

Making sound money saving decisions now can set you up for big success in the long run. Try these ten tips and pat yourself on the back for showing 2019 who’s boss.

How Do Low-Mileage Drivers Get Around?

As the go-to experts on pay-per-mile car insurance, Metromile decided it was high time to dig a little deeper into people’s driving habits to uncover just how low-mileage drivers are getting around if and when they’re not commuting behind the wheel. After surveying over 2,400 drivers, Metromile discovered some surprising insights that shed some light on just how people are getting from point A to point B (and C and D and beyond). Check out the findings and see if you can relate to the revelations:

cars at busy intersection in New York City

Low-Mileage Drivers’ Transportation Habits

First of all, when it comes to self-identifying as low-mileage drivers, participants are pretty spot-on.

According to the survey, 67.8% of Americans consider themselves “low-mileage drivers” (defined by researchers as less than 251 miles per month).

That stat isn’t too far off from the truth, which is that more than 70% of Americans between the ages of 18-24 are low-mileage drivers, based on their self-reported monthly mileage. Older drivers tend to get behind the wheel a bit more, but even the age group with the least amount of low-mileage drivers (ages 45-54) counts more low-mileage commuters than high-mileage ones (57.75% vs. 42.25%).

So if so many drivers aren’t driving all that much, how exactly are they getting around?

While respondents cited a variety of transportation modes (walking, biking, scooting, etc.), a lot of people picked rideshares (like Uber and Lyft) as their top pick. And the rideshare love seemed significantly associated with location; Californians, for example, really like to rely on these services, with more than 20% of respondents from the state saying they use them.

Californians are also the most flexible and progressive when it comes to which respondents bounce back and forth between driving their personal vehicles and utilizing alternative transportation methods. While Virginians are deeply committed to their cars (over 70% of respondents from that state said they only use their own autos for commuting — no bikes, buses, or subways for them), Californians weren’t so loyal and liked to jump around from one mode of transportation to another (more than 60% of respondents from that state said they use their own cars in addition to alternative transportation methods).

One big reason drivers — regardless of location — choose to use alternative modes of transportation is convenience.

More than half of respondents ages 18-34 said they like to find other ways to get around because those methods just fit into their lives better and make their day-to-day commutes easier.

But let’s go back to ridesharing for a second. Despite the fact that drivers around the country are definitely dabbling in the services, certain states just aren’t sure how they feel about them.

At first glance, Illinoisans, for example, seem to love ridesharing, since more than 40% of respondents from that state said they do it once a week or more. But while many residents claimed they tool around town in an Uber or Lyft that frequently, many more Illinois drivers said they’re not such heavy users — in fact nearly 70% said they use them less than once a month.

Confusing, yes, but they’re not the only ones feeling unsure about rideshares — Virginians are actually the slowest to adopt the services, with nearly 90% of respondents from that state saying they use it less than once a month (which makes perfect sense given how much we know they love their personal cars).

More Options for Low-Mileage Drivers

All in all, the Metromile survey results are pretty enlightening and offer some unprecedented insight into the habits and preferences of drivers around the country. With technology changing the landscape of life on the road, commuters now have more options for how to move around.

Metromile believes one of those options should be high-quality, affordable insurance coverage for low-mileage drivers, whether those people are hopping in Ubers more often than they’re starting up their own vehicles, or if walking to the office just makes more sense during the work week. If you’re already a Metromile customer, discover all the ways you can make your coverage work for you at metromile.com. And if you’re thinking of making the switch, visit the website or call 1.888.242.5204 to speak to a qualified agent and receive your free quote today.

Metromile in 2018: The Year in Review

It’s hard to believe that 2019 is right around the corner. If you’re anything like us, you’ve still got a to-do list longer than your arm before you can slap up the ol’ OOO reply on your email. All to-dos aside, however, 2018 was a big year for us here at Metromile! With the introduction of our AI crash-testing system, and the announcement of our latest round of funding, we’re proud of all our accomplishments this year. None of them would’ve been possible without the support of our Metromile fam, and for you, we are eternally grateful.

Metromile’s 2018 By the Numbers

Let’s take a look at 2018 by the numbers, shall we? According to the U.S. Department of Transportation Federal Highway Administration, the average American drives 13,476 miles each year. Metromile customers in major cities drive an average of 6,000 miles each year, less than half of the national average!

In 2018, Metromilers in big cities across the country averaged 5,599 miles. Which city drove the least? Check out our ranking below!

The per-city average miles driven in 2018

  1. Portland, OR – 4,315 miles: Topping our list for the second year in a row, our Portland Metromilers are making us proud. In 2018, they drove 204 fewer miles than in 2017, and 1,405 fewer than in 2016. Keep outdoing yourselves, Portlandians! We’ll be here cheering you on.
  2. Chicago – 4,702 miles: Sliding into second place, Chicago Metromilers drove 1,234 fewer miles in 2018 than in 2017. Well done, Chicagoans!
  3. Seattle/Tacoma – 4,879 miles: Coming in for the bronze medal, Seattle-ites drove 248 fewer miles in 2018 than in 2017 – and almost 2k fewer miles than our LA Metromilers!
  4. Sacramento/Stockton/Modesto – 5,234 miles: The Sacramento metropolitan area is new to the list this year, with a modest(o) 5k miles driven. Nice work!
  5. San Francisco/Oakland/San Jose – 5,923 miles: Our little City by the Bay ekes out a lower ranking this year, driving 131 fewer miles in 2018 than in 2017.
  6. Philadelphia – 5,789 miles: Philly moves up the list this year, with 540 fewer miles driven in 2018. Woo-hoo!
  7. San Diego – 6,612 miles: San Diego took the last spot in 2017, so we’re excited to see that they are moving up our list and drove over 1k fewer miles in 2018!
  8. Los Angeles – 6,869 miles: With a city as large as Los Angeles, it’s no surprise to see it taking the last spot on our list, with the most miles driven in 2018.

The most popular day of the week for Metromilers to drive

Through and through, Metromilers prove that cars are best for weekend use. The most popular day of the week to drive for Metromilers is Friday.

Our low-mileage drivers like to get out and do stuff on the weekends and we love seeing their travels on Instagram. Going somewhere cool soon? Don’t forget to tag us (@metromile) and/or #Metromile.

The most common vehicles that our Metromile fam drives

Raise your hand if you drive a Honda or Toyota. We knew it wasn’t just us.

  1. Honda Civic
  2. Honda Accord
  3. Toyota Corolla
  4. Toyota Camry
  5. Toyota Prius
Interestingly, this is the exact same list as 2017! Metromilers are very consistent. Additionally, the most popular car in 2018 for the top 10 Metromile accounts is the Honda Civic.

Most popular day of the year to drive

The most popular day to drive was November 30th, 2018. However, with every passing Friday, we get closer to surpassing that all-time high!

Metromile Claims, By the Numbers

Some other interesting stats to note. Because who doesn’t love some fun stats? Here at Metromile, we handle thousands of claims every year. Curious what the percentage breakdown is for the different kinds of claims filed in 2018? Don’t worry, we did the math for you.

Percent breakdown of claims handled in 2018

  • Glass Repair: 8.3%
  • Roadside Assistance: 52.4%
  • Stolen Vehicle: 0.7%
  • Traditional Claim: 39.3%

The most common type of claim

If we take roadside/glass repair claims out of the equation, rear-end collisions were the most common type of claim processed by Metromile claims specialists in 2018.

Curious about the performance from past years? Check out our year-end reviews for 2017 and 2016.

2018 has been an amazing year for us here at Metromile, and we are looking forward to offering our customers even more awesome perks in 2019. If you aren’t already part of the Metromile fam, get a quick quote to see how much you could save with pay-per-mile insurance in 2019.
From all of us here at Metromile: happy holidays and see you in the New Year!

How to Handle Accidents with Animals

The last thing an animal lover wants to think about is a car accident involving a creature of any kind. But animal-related accidents happen, and unfortunately, they happen a lot. According to the most recent roadkill statistics, 253,000 of the 6.3 million annual auto accidents in the U.S. involve animals. And while that number may be shocking, it may not even be the half of it: it’s estimated that about 50 percent of collisions between vehicles and large animals go unreported. The vast majority of these accidents involve deer (90 percent), but an appalling amount of vertebrates are run over each and every day — 1 million (that’s one creature every 11.5 seconds).

two people walking on a snowy path with a deer in the foreground

Tips for Avoiding Accidents with Animals

While animal-related accidents are undeniably common, they’re not inevitable. There are a number of ways drivers can take precautions to avoid an unfortunate event:

  • It may sound impossible, but if you see an animal run out in front of your vehicle, try to remain calm. If possible, quickly scan the road and the shoulders ahead of you to get a sense of where you can direct your car.
  • Believe it or not, swerving suddenly is not the best plan of action. Rather than suddenly steering in one direction, attempt to slow down as much as possible while keeping an eye on your rearview mirror to make sure no one is directly behind you and might risk crashing into your vehicle. However, be careful not to slam on your breaks as this can cause skidding.
  • If you see the animal approaching from the right side of the road, steering in that direction and attempting to go behind the creature might encourage it to cross faster.
  • If there’s no oncoming traffic, flash your high beams to alert the animal (this may also help illuminate some creatures’ reflective eyes). Avoid keeping the lights on since the steady brightness can cause deer to stop in their tracks. Honking your horn may also help drive the animal out of the way and/or alert other drivers to stop or slow down.
  • If you’re traveling in areas with a lot of wildlife, stay extra vigilant, especially around dawn and dusk when many animals tend to be active.

What To Do If You Hit An Animal While Driving

Even if you take all the proper steps to avoid a collision, it’s impossible to completely guarantee against an animal-related accident. If you do have the misfortune of hitting an animal with your vehicle, it’s crucial to know how to proceed post-accident.

The legal stuff

While the United Kingdom has an overarching law that requires drivers to report accidents involving certain animals like dogs, goats, horses, etc., the U.S. rules vary by state. However, most states require drivers to pull over if they hit a domestic animal, and immediately contact the appropriate state or local authority (if you’re driving on a busy road or highway, however, where it might be dangerous to stop, keep moving and call the police to report the accident). Check the driver’s handbook for your state to know all the legal requirements.

The safety stuff

Large animals:
  • Animals like a deer or elk have the potential to do major damage to your vehicle, and in some cases, you and your passengers. If there’s no time to slow down or avoid impact, it’s important that you lower your body down in the driver’s seat so you’re maximally protected by the dashboard in case the animal shatters your windshield.
  • Large animals tend to roll over a vehicle if they’re hit and crush the center of the roof and windshield — to minimize your risk of injury, lean toward your door, not the center of the car.
  • If you do hit a large animal, pull over immediately and stay in your vehicle — while your instinct may be to help the injured creature, you could put yourself in serious danger by coming close. Put on your emergency flashers and call for help ASAP.
Injured animals:
  • Even house pets can act in unpredictable ways when hurt. If possible place a blanket or jacket around domestic animals but do not approach if they seem aggressive or in serious distress. Call the police (and if you can see contact information on their collar, call their owner immediately).
  • Wait with the animal until authorities arrive.
  • Once the animal has been helped, you may choose to file a police report — because most states require pet owners to keep their pets under control, you may be able to receive compensation for vehicle damages.

The car insurance stuff

Immediately report the accident to your car insurance company — if you have comprehensive coverage, your plan may compensate for the cost of damages. However, if the cost doesn’t exceed your deductible, you may be responsible for the full cost of repairs.

What About Metromile Customers?

Here’s where comprehensive coverage really comes in handy. This is the type of plan that will be a big help if your car is stolen or damaged from issues like natural disasters, theft, and yes, animal-related incidents. It’s up to you to choose a deductible amount — that’s the out-of-pocket cost you agree to pay before coverage is afforded.

A lot of people make the mistake of confusing comprehensive coverage with collision coverage. Both types of plans insure your car, but each covers different events. Collision covers car accidents, and comprehensive covers events out of your control. Think of it like this: “Collision” means colliding with something else (other than animals), while “comprehensive” basically covers all other events. Animal-related accidents are covered by comprehensive (and not collision) because these accidents are considered out of your control.

Still Have Questions?

While no one likes to think about the prospect of hitting an animal, understanding the ways to prevent and react are an important part of driving safe. Still have questions? Whether you’re already a Metromile customer or considering making the switch, the Metromile Help Center is a great resource for getting answers. And if your concern isn’t addressed, check out the rest of the site or call today to talk with a qualified agent and/or get a free personalized quote.

Driving at Night: A Primer

With the days getting darker earlier and the nights getting longer, the winter can feel like a major slog. Commuting to work before the sun wakes up and commuting home after its gone to bed can feel like you’ll never see daylight again. Additionally, driving when it’s dark outside is the most notoriously dangerous time to drive. Shorter days, fatigue, compromised night vision, rush hour and impaired drivers all contribute to making driving at night more dangerous than any other time of day.

Cars waiting at light at night in Chicago

How to Drive Safely At Night

Did you know that the risk of a fatal crash is three times greater at night, according to National Safety Council research? Daylight Saving Time has officially thrown us into the darkest days of the year, and a lot of us are probably spending more hours on the road in the dark. Here at Metromile, we’re committed to the safety of all of our customers, which is why we’re sharing our best tips for driving at night.

But First: Some Scary Stats

We know that night driving increases crash risk for all drivers, but did you know that the risk is even higher for young inexperienced drivers? Here’s a scary stat: only 14 percent of the miles driven by 16- to 17-year-old drivers occur between 9 p.m. and 6 a.m., yet this time period accounts for 32 percent of fatal crashes in this age group. Let that sink in for a minute.

Another disturbing stat: nationwide, 49% of fatal crashes happen at night. Not only that, but nighttime crashes have a fatality rate (per mile of travel) about three times as high as daytime hours. Of people killed at night, roughly two-thirds aren’t wearing seatbelts. Just to put that in perspective, during the day, the percentage of unrestrained fatalities tends to be under half.

Reduced Visibility

When was the last time you felt you could see really well in the dark? Unlike most animals, humans naturally do not have great night vision, so driving at night is inherently much riskier. Let’s explore some of the major risk factors for night driving and some tips on how to overcome the risk of driving at night.

Major Risk Factors

Some of the major risk factors for driving at night include:

  • Reduced depth perception
  • Reduced color recognition
  • Compromised peripheral vision
  • Temporary blindness caused by the glare of headlights from an oncoming vehicle
Tips to Overcome Risk

Here are a few things you can do to combat these risk factors:

  • Aim your headlights correctly, and make sure they’re clean and free from haze
  • Dim your dashboard brightness to reduce the contrast between dark and light, which can be difficult for your eye to process
  • Avert your gaze from oncoming headlights
  • If you wear glasses, make sure they’re anti-reflective to reduce glare on the road
  • Clean both the inside and outside of the windshield to eliminate streaks and haziness
  • Drive slower to compensate for limited visibility and reduced stopping time

Fatigue and Rush Hour

The hours between 4pm and 7pm are the most dangerous times to be on the road. Couple that with the fact that the national average time of sunset is around 4:30pm during the winter months and you have a recipe for disaster. Driving in the dark also triggers fatigue in many people. With tired drivers rushing to get home after dark, driving during winter rush hour is a majorly scary undertaking.

Major Risk Factors

Some of the major risk factors for driving during winter rush hour include:

  • Drivers eager to get home who may be less cautious and more aggressive
  • Crowded roadways
  • Driving in the dark, which may cause drowsiness and fatigue in both you and other drivers on the road
Tips to Overcome Risk

Here are a few things you can do to combat these risk factors:

  • Carefully monitor your own fatigue levels, and know when you need to pull over to a safe rest area
  • Leaving early (preferably before dusk) will help you stay awake, see better, and avoid crowded roadways
  • Practice defensive driving and be vigilant for other drivers’ mistakes
  • Be courteous to other drivers on the road and only use your high beams when there’s no one driving towards you or in front of you

Distracted Drivers

After a tiring day at the office, the last thing you should be doing on the drive home is texting, ‘gramming, or dining in your car. Distracted driving is a leading cause of car crashes, and distracted driving at night can be even more deadly.

Major Risk Factors

Some of the major risk factors for driving while distracted in the dark include:

  • Slower reaction times
  • Disability glare from your phone screen (i.e. the glare from your lit phone screen causes light scatter in the eyes, which in turn reduces the contrast of roadway objects)
  • Not practicing defensive driving to watch for other drivers’ mistakes
  • Not paying attention to pedestrians or other obstacles in the roadway
Tips to Overcome Risk

Here are a few things you can do to combat these risk factors:

  • Never, ever text and drive (or use social media, or check email… you catch our drift)
  • Same goes for eating while driving and talking on the phone
  • Switch your phone to auto-reply or do not disturb while you’re driving so you’re not tempted to check your notifications
  • Watch for other distracted drivers and steer clear – notify the authorities if they appear to be a danger to others on the road

Driving Under the Influence

‘Tis the season for endless holiday parties which also include open bars and free-flowing alcoholic beverages. If you’re relying on a car to transport you home after the party, always plan out a designated driver ahead of time. If you’re the one driving home, abstain from drinking at the party to ensure you and your passengers all make it home safely. There are more drunk drivers on the road at night, which increases the risk of accidents. In fact, the NSC indicates weekend nights are the worst time of the week for fatal accidents.

Major Risk Factors

Some of the major risk factors for driving while under the influence include:

  • Slower reaction times
  • Less inhibition while driving which can lead to riskier behavior
  • Impaired judgment, concentration, comprehension, coordination, and visual acuity
  • Injuring or killing yourself or others
Tips to Overcome Risk

Here are a few things you can do to combat these risk factors:

  • Never get behind the wheel while intoxicated (yes, this includes being buzzed)
  • Always designate a DD before imbibing or take another form of transportation home
  • Abstain from drinking or becoming intoxicated if you are planning on driving
  • Be vigilant for other drivers who are driving under the influence, and if you spot one, be sure to move out of the way of harm and dial 911

TL;DR

Whew, that was a lot of info. If you didn’t have time to read the full article, here’s the reader’s digest and our best tips for driving at night.

Top 17 Tips for Driving at Night

  1. Aim your headlights correctly, and make sure they’re clean and free from haze
  2. Dim your dashboard brightness to reduce the contrast between dark and light, which can be difficult for your eye to process
  3. Avert your gaze from oncoming headlights
  4. If you wear glasses, make sure they’re anti-reflective to reduce glare on the road
  5. Clean both the inside and outside of the windshield to eliminate streaks and haziness
  6. Drive slower to compensate for limited visibility and reduced stopping time
  7. Carefully monitor your own fatigue levels, and know when you need to pull over to a safe rest area
  8. Leave early (preferably before dusk) to help you stay awake, see better, and avoid crowded roadways
  9. Practice defensive driving and be vigilant for other drivers’ mistakes
  10. Be courteous to other drivers on the road and only use your high beams when there’s no one driving towards you or in front of you
  11. Never, ever text and drive (or use social media, or check email… you catch our drift) – the same goes for eating while driving and talking on the phone
  12. Switch your phone to auto-reply or do not disturb while you’re driving so you’re not tempted to check your notifications
  13. Watch for other distracted drivers and steer clear – notify the authorities if they appear to be a danger to others on the road
  14. Never get behind the wheel while intoxicated (yes, this includes being buzzed)
  15. Always designate a DD before imbibing or take another form of transportation home
  16. Abstain from drinking or becoming intoxicated if you are planning on driving
  17. Be vigilant for other drivers who are driving under the influence, and if you spot one, be sure to move out of the way of harm and dial 911

Always remember that driving is a privilege that should not be taken lightly. At this time of year, we’re spending more time than usual driving in the dark, and we hope that this primer refreshes our beloved Metromile fam with some best practices for driving at night.

Still Have Questions?

No worries, we have the answers. Check out our FAQ page in the Metromile Help Center to see if there’s already an answer to your inquiry. And if your question isn’t answered there, you can get direct, customized guidance from one of Metromile’s licensed agents by calling 1.888.242.5204 to talk it out.

If you haven’t joined the Metromile fam yet, what are you waiting for? Start the New Year right by saving some cash! Grab a free quote today. As always, be safe out there and see you on the roads.

What To Do If Your Car Is Stolen

There are the minor inconveniences that make a morning tough — insufficient caffeine consumption, overflowing inbox, etc. — and then there are the major, stomach-churning situations that derail more than just your day. A prime example? Walking out to your car, only to find an empty spot.

Vehicle theft sucks, and unfortunately, it’s on the rise: As Metromile reported in June, 5.9 billion dollars were lost to motor vehicle theft in 2016, according to the FBI. That equates to 765,484 total vehicle thefts in the U.S., 60,000 of which happened in the L.A. area alone. And while recovering a stolen vehicle is possible, it only happens 42% of the time.

The silver lining here (seriously, there is one) is that while having your car stolen is a violating, unpleasant experience, knowing what to do when it happens and how to avoid it in the first place can significantly cut down on the emotional turmoil and post-theft logistical headaches.

Avoiding Car Theft In The First Place

The best strategy for sidestepping any theft-related unpleasantness is, of course, to avoid the theft altogether. And while you can’t guarantee a theft-proof future for your vehicle, you can take important steps to minimize the risk.

  • If you’re on the market for a car, it’s worth knowing which makes and models are most likely to be stolen. According to the National Insurance Crime Bureau’s 2017 Hot Wheels Report, the 1998 Honda Civic, 1997 Honda Accord, and 2006 Ford Pickup are the three most likely to be taken. Check out the top 10 list to see which vehicles you might want to avoid if you can help it.
  • This may seem obvious, but don’t — seriously, don’t — leave your car running while you hop out for a quick errand. It takes a split second for a thief to take advantage of an easy situation, so always turn your car off and always take the keys with you (and lock up!).
  • Never leave personal belongings on the seat or in plain sight.
  • Try your best to always park in well-lit, populated areas.
  • Consider investing in an anti-theft device — in some states, Metromile offers a discount for having an anti-theft or recovery device installed.
  • If that’s not enough of a reason for you to switch to Metromile, consider this: the Smart Driving app and the Pulse device helps customers track down their vehicles in the unfortunate event that their car is stolen.

What To Do If Your Car Is Stolen

The most important thing you can do if your car is stolen is to act quickly — the longer you wait to take action, the less likely it is that your car will ever find its way back to you. Here’s your to-do list:

  1. Contact the police right away. You won’t be able to file an insurance claim until you file a police report, so talk to law enforcement ASAP. Be prepared to share some key info, including the make, model, year, and color of your car, the license plate number, any distinctive features, and the vehicle identification number (VIN).
  2. Contact your insurance company. You’ll also want to do this quickly — preferably within 24 hours of the theft. Depending on the type of coverage you have, you may be able to receive payment for your stolen vehicle. But even if you don’t have comprehensive coverage, you’ll need to notify your carrier so that you’re protected in case the thieves hurt someone or damage something with your vehicle.
  3. Contact the DMV — since the agency keeps a database of stolen vehicles, they may be helpful in the search.

The Metromile Customer Advantage: Metromile Car Recovery

While it’s tough to consider anyone who’s experienced car theft “lucky,” Metromile customers who are victims of the crime do have a unique advantage. The Metromile Pulse device can actually help track a car’s location so that it’s visible on the Metromile app.

This isn’t just a theoretical tool — the Pulse has been used to recover stolen cars before! If you’re a Metromile customer and your car is stolen, it’s still imperative that you follow the proper protocol and report the theft to the appropriate parties, but know that you may have helpful information on your side.

If The Car Is Gone For Good, Are You Covered?

No one wants to face the fact that their property may just be lost for good, but if enough time has passed and it looks like your car is long gone, never to return, it’s time to take stock of your losses.

The only form of insurance that totally reimburses the cost of a stolen car is comprehensive coverage — this is the type of plan that will also cover your vehicle in the case of a natural disaster, or a fluke accident, like a fallen tree.

So what happens if you don’t have comprehensive coverage? If you’re dealing with a stolen car, then you have a “total loss,” meaning the lost value, or repair cost of your vehicle exceeds its insured value. Metromile customers who experience a total loss will still need to have insurance to cover a rental car, but won’t be charged for any mileage while shopping for a replacement vehicle.

As for the items that were taken along with your stolen car, there’s good news and bad news. First, the bad: car insurance doesn’t typically cover the cost of stolen personal items. However, if you have renter’s or homeowner’s insurance, you may be able to get some help covering the costs.

What To Do If/When You Get Your Car Back

So you got your car back — congrats! Now what? Do a happy dance and then take a look around to see if any personal items were stolen. It’s also a good idea to assess any damage to the interior or exterior and check with your insurance provider to see what is/isn’t covered under your plan.

Still Have Questions?

No worries, we have the answers. Check out our FAQ page in the Metromile Help Center to see if there’s already an answer to your inquiry. And if your question isn’t answered there, you can get direct, customized guidance from one of Metromile’s licensed agents by calling 1.888.242.5204 to talk it out.

Whether you’re freaked out by the prospect of a stolen car or trying to recover from a theft, you’ll want to work with an insurance company that has your back in every situation. If you’re thinking about making the switch, call 1.888.242.5204 or visit https://www.metromile.com today for a free quote.