Coverage 101: Explaining Your Coverage Options

So you’ve decided to make the switch to Metromile — congrats! Not only will you save major cash with pay-per-mile insurance, but you’ll have access to four different levels of liability protection, plus choices for your comprehensive and collision deductibles. But if insurance lingo has you confused, don’t sweat it: Understanding your options is easier than you think.

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Here’s a breakdown of the various types of car insurance coverage available so you can choose what’s right for you:

  • Bodily Injury (BI): Most states require BI coverage to cover costs related to injuries or deaths to other people in the event of an accident that’s your fault. This type of coverage pays for things like medical treatment, rehabilitation, and funeral costs, as well as costs related to mental or emotional distress that results from bodily injury. It may also pay for lawyer’s fees if you’re sued for an accident. Depending on the state you live in, you may be required to have a predetermined minimum amount of BI coverage.
  • Property Damage Liability (PD): If you’re in an accident that damages someone else’s property, PD liability will cover the costs. This type of coverage will pay for any type of tangible property, whether it’s another driver’s vehicle, or something like a building, utility pole, fence, garage door, etc. Some states will require you to have a predetermined minimum amount of this coverage too.
  • Uninsured Motorist Bodily Injury (UMBI): If you’re in an accident in which the other driver is at-fault and uninsured, UMBI coverage will pay for any necessary medical, rehabilitation, lost wages, pain-and-suffering, and funeral costs for you and/or your passengers. Remember that UMBI will only pay up to the coverage limit, and your state may or may not require you to have a set minimum amount.
  • Underinsured Motorist Bodily Injury (UIMBI): This one is very similar to UMBI, but it pays up to the limit for expenses in the event that the other driver is at-fault for the accident but can’t cover your costs because of their own plan’s insufficient liability limits.
  • Medical Payments: If you’re in an accident, Medical Payments could pay the medical deductibles and copayments that aren’t covered by your health insurer, or the insurer of any of your passengers. This type of coverage is optional and, depending on your state, may be possible to combine with a health insurance policy.
  • Personal Injury Protection (PIP): In general, PIP covers your medical costs regardless of who’s at fault for the accident. The benefits vary by state, with some states offering coverage for things like lost wages, child care, and/or funeral costs.
  • Comprehensive: This type of optional coverage comes in handy if your car is stolen or damaged in ways that don’t involve a collision (think hail damage, glass breakage, fire, vandalism, damage from an animal, flood, earthquakes, falling objects, and theft). 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.
  • Collision: This is another type of optional coverage that covers you if your car collides with another object (like a car, a brick wall, a tree, etc). This coverage protects your car only and not the other party’s damage. Again, the deductible amount you choose is the out-of-pocket expense you have to pay before coverage kicks in.
  • Collision Deductible Waiver: This type of coverage isn’t available in every state, but if you have it, your collision deductible will be waived in case you’re in accident with an at-fault driver who’s uninsured. You’ll need the license plate number or name of the person that caused the damage and you’ll have to report the claim quickly.
  • Underinsured Motorist Property Damage (UMPD): If you’re hit by an uninsured or underinsured driver, this type of coverage will pay for the damage to your vehicle. UMPD coverage isn’t available in every state, and some states require you to choose between UMPD and Collision coverage.

Ready to choose the type of coverage that fits your needs? Need some more info? Just visit Metromile today to get a free personalized quote.


Michelle Konstantinovsky is a San Francisco-based journalist/writer/editor and UC Berkeley Graduate School of Journalism alumna. She’s written extensively on health, body image, entertainment, lifestyle, design, and tech for outlets like Cosmopolitan, Harper’s Bazaar, Marie Claire, Teen Vogue, O: The Oprah Magazine, Seventeen, and a whole lot more. She’s also a contributing editor at Fitbit and the social media director at California Home + Design Magazine. She is an avid admirer of shiny objects, manatees, and preteen entertainment.

7 Steps You Can Take to Become a Safer Driver

No one likes to admit they could use some improvement behind the wheel. But the fact is, accidents happen and they happen a lot (over 7 million times in the United States alone in 2016). While you can’t control many of the risks on the road, you can set yourself up to be as safe as possible.
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7 Steps You Can Take to Become a Safer Driver

    1. Forget about your phone. This is one of the most important (and simplest) things you can do to improve the safety of you, your passengers, and others on the road. According to the Department of Motor Vehicles, studies have shown that using a cell phone while driving — even when it’s a hands-free phone — is the equivalent of driving drunk. Scary, right? That means if you really want to reduce your risk, it’s best to refrain from talking.

    And texting is definitely a dealbreaker. Sending a text may seem simple, but on average, it causes you to lose your focus on the road for 4.6 seconds. And if that doesn’t sound so bad, consider the fact that you can drive the length of a full football field in that amount of time. Even if you’re fully stopped, just keep your phone out of reach and pay attention to everything going on around you.

    2. Keep your car in good shape. No, repairs aren’t cheap, but investing in the appropriate maintenance will ensure your vehicle is up to snuff and safe. Make sure you get routine check-ups for your tires, brakes, fluid levels, lights, wipers, and anything else indicated in your owner’s manual.

    3. Buckling up is always a must. Your best defense in a crash is your seatbelt — no buts about it. No matter how far you’re driving or whether your passengers are riding in the front or back, every single person in the car should be wearing a seatbelt at all times.

    4. Properly position your hands. Remember when your driver’s ed teacher insisted you keep your hands on the steering wheel at the 10 and 2 o’clock positions? Believe it or not, that 10 and 2 theory has been debunked. Guidelines have recently changed to instruct drivers to keep hands lower on the wheel, either at 9 and 3 or 8 and 4. The modified grip gives you more stability and control and it’s the most ergonomic option.

    5. Only drive when you’re well rested. Getting behind the wheel when you’re seriously exhausted is seriously dangerous. Sleep deprivation can have the same effect on your body as drinking alcohol, and as you can imagine, make it incredibly difficult to pay attention and make fast decisions. And according to a 2010 study, one out of every six fatal crashes involves a drowsy driver. If you’re tired, find an alternative plan — it’s not worth the risk.

    6. Keep a safe distance. It’s never a good idea to get too close to the other cars around you on the road. Maintain a safety cushion around your vehicle so you can see everything going on around you and you have room to act quickly if necessary.

    7. Minimize all distractions. Now you know that looking at or talking on your phone shouldn’t be an option while driving. But ideally, eating, drinking, and searching for that perfect playlist shouldn’t be on your list of behind the wheel activities either. Whenever you’re in the driver’s seat, focus all your attention on the task at the hand.

Of course, accidents can happen despite your best efforts to stay safe. That’s why it’s so important to stick with an insurance company that has your back. Make the smart choice and visit Metromile today for a personalized quote.


Michelle Konstantinovsky is a San Francisco-based journalist/writer/editor and UC Berkeley Graduate School of Journalism alumna. She’s written extensively on health, body image, entertainment, lifestyle, design, and tech for outlets like Cosmopolitan, Harper’s Bazaar, Marie Claire, Teen Vogue, O: The Oprah Magazine, Seventeen, and a whole lot more. She’s also a contributing editor at Fitbit and the social media director at California Home + Design Magazine. She is an avid admirer of shiny objects, manatees, and preteen entertainment.

The 8 Best Spring Road Trip Destinations

The weather’s warming up, the kids have a break from school, and the open road is calling loud and clear. All those pleasant post-winter happenings can only mean one thing: Spring has officially sprung.
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Road trips are one great way to soak up some sunshine and scenery, whether you’re bonding with your family or exploring on your own. But if you’re overwhelmed by the prospect of picking a perfect destination, take a deep breath: With so many amazing sights from California to Maine and everywhere in between, you really can’t go wrong on the road.

Here are some of the very best road trip destinations to consider this spring:

1. California’s Pacific Coast Highway


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Highway 1 is by far the most scenic way to maneuver between Los Angeles and San Francisco, but the 550-mile PCH has much more to offer beyond that commute. Drive from north to south to stay on the ocean-side of the road for the whole journey and you might just catch the sunset somewhere between Big Sur and Santa Monica.

2. Hawaii’s Hana Highway


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If you’re lucky enough to find yourself in this island paradise, up the ante with a super scenic 52-mile drive along the Road to Hana. You’ll see tropical flowers, bamboo fields, rainforests, and waterfalls from start to finish, but be prepared: there are over 600 hairpin turns and over 50 one-lane bridges to navigate for those stellar views.

3. Oregon’s Historic Columbia River Highway


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The 70-mile journey from Portland’s Columbia River to the 11,000-foot volcanic Mount Hood (the state’s highest peak) is a Pacific Northwest must. Wildflowers dot the landscape, and you’ll get to see Multnomah Falls, one of America’s tallest yearlong waterfalls.

4. New England Coast


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Boston is a great destination in and of itself, but if you follow the southern coast from Gloucester, Massachusetts to New Haven, Connecticut, you’ll find 250 miles of marine wildlife to look at and world-famous seafood to sample.

5. Michigan’s Gold Coast


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A beach getaway may not be the first thing that comes to mind when you think of this northern state, but Americans have been flocking to Lake Michigan’s shores since the late 1800s. There are plenty of charming B&Bs and wineries to visit along the 300-mile western shoreline, and you can even take a surf break in New Buffalo!

6. Texas Hill Country


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Bask in gardens of bluebonnets as you drive the 87 miles that starts just north of Austin and continues through San Antonio and beyond. If you take U.S. 290 west to Johnson City’s Wildflower Loop and then move along U.S. 281 N, you’ll have a chance to see the state’s official bluebonnet capital, Burnet.

7. South Carolina’s Cherokee Foothills Scenic Highway


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If you plan your trip just right, you might just catch the peach trees in full bloom along SC’s Highway 11, dubbed “Great Blue Hills of God” by the Cherokees. Starting in early June, you’ll be able to pick up loads of local fruit from roadside stands, and the 120-mile route features numerous waterfalls and covered bridges to dazzle the eye.

8. Maine’s Acadia All American Road


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Add birdwatching to your agenda if you’re planning to drive the coastal 40-mile road just outside of Acadia National Park: Bald eagles and nesting peregrine are known to frequent the area. The drive starts in Trenton and follows the 27-mile Park Loop Road before heading down to Sand Beach, Otter Cliff, and and Jordan Pond. You’ll get your fill of homemade treats at all the small town haunts along the way (and have the opportunity to work up a sweat hiking Acadia’s 1,532-foot Cadillac Mountain, which overlooks the Atlantic).

Need a car insurance plan that fits your road trip needs? If you’re a Metromile customer, your daily mileage charges are capped at 250 miles per day for each vehicle (150 miles per day in New Jersey). You’ll never be charged for the miles above those amounts in any calendar day.

Make the switch: Visit metromile.com/insurance to learn more and get a quick quote.


Michelle Konstantinovsky is a San Francisco-based journalist/writer/editor and UC Berkeley Graduate School of Journalism alumna. She’s written extensively on health, body image, entertainment, lifestyle, design, and tech for outlets like Cosmopolitan, Harper’s Bazaar, Marie Claire, Teen Vogue, O: The Oprah Magazine, Seventeen, and a whole lot more. She’s also a contributing editor at Fitbit and the social media director at California Home + Design Magazine. She is an avid admirer of shiny objects, manatees, and preteen entertainment.

Car Insurance Rates Are Rising — Here’s Why

If you’ve had the sneaking suspicion that your car insurance rates have recently skyrocketed, you’re unfortunately not imagining things. Regardless of your location, chances are you’ve noticed a distinct increase on your bill, and that cost spike can be super frustrating. The silver lining is that a better understanding of the state of the auto insurance industry can empower you to make the most informed, educated choices possible when it comes to your plan. More knowledge and awareness means more opportunities to save money and drive smarter — and who doesn’t love that?

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How Much Is Car Insurance Costing Americans These Days?

According to experts, the average American pays more than $1,400 a year for car insurance coverage. And if that sounds like a whole lot, you’re right: auto insurance rates have increased at more than twice the rate of inflation. Current rates are 20% higher than they were in 2011, and every state in the country has increased its rates by anywhere from 1% to 60%. And the past 6 months have been especially rough as rates have gone up by 6% in that time period alone.

What Determines Your Premium Rate?

While $1,427 may be the national average, a lot of factors can impact your personal cost:

  • Local and state laws
  • Population changes and urbanization
  • Your claims history and driving record
  • The addition of any new drivers to your policy or changes of the primary drivers of vehicles on the policy (particularly teenagers: Parents adding a male teenager to their policy may pay as much as $6,186, and in some cases, 227% more than the cost to insure an adult driver alone)
  • Deleting a vehicle from the policy
  • Change of employment
  • Medical conditions that can increase your risk
  • A history of convictions or driving violations
  • Changes to your insurance plan’s structure or payment plan fees
  • Your credit score

But Why The Recent Surge?

While all the factors mentioned above can certainly have an impact on your premium, they don’t account for the recent surge in premium pricing. Experts believe a few different factors could be at play:

  • Extreme weather. In recent months, various parts of the United States have experienced hurricanes, wildfires, and other major natural disasters. Devastating events like these can result in more claims, which drive up the cost of insurance rates.
  • Distracted drivers. Texting and driving don’t mix under any circumstances. As drivers allow themselves to be distracted by their smartphones, they cause more accidents; many of which could be deadly. According to reports, 40,200 people died in 2016 in traffic accidents, an increase of 14% over 2014. Because more road accidents equate to higher costs for insurance companies, those insurers are forced to raise their rates, passing the increased costs along to customers. That’s why in some states if you’re caught texting or using your phone while driving, you’ll see your insurance premium go up by anywhere from 16% to 40%.
  • Better (pricier) technology. While cars are becoming safer thanks to ever-improving technology and design, those very same features are making cars way more expensive to fix in the event of an accident. As insurance companies have to pay more to repair more expensive cars, so do customers.
  • Fraudulent claims. According to a study by the Insurance Research Council, up to $7.7 billion in car insurance injury claims filed in 2012 were fraudulent or included fudged numbers (that’s 33% more than the reported $5.8 billion in 2002). The more claims an insurance company has to pay out, the more the cost of premiums increases. According to the National Insurance Crime Bureau, “not only does fraud cause higher insurance premiums for all of us, but it also raises our taxes and inflates prices for consumer goods.”

Tips For Keeping Your Premiums As Low As Possible

Luckily, there are some easy ways you can keep your car insurance rates as reasonable as possible:

  • The simplest way: Stop paying for miles you’re not driving and switch to pay-per-mile insurance — you’ll pay a low monthly base rate plus a few cents per mile when you sign up with Metromile. Because you are paying-per-mile, you’ll always have visibility into what your monthly bill is, giving you greater control over your premium amount.
  • Maintain a clean driving record. Staying accident-free on the road may help you score a lower rate.
  • Keep your credit score up. All insurance companies factor your credit score into your quote, so stay on top of those bills. In fact, bumping your score one tier, like from Good to Excellent, can save you up to 17%.

Ready to start saving? Get your personalized quote right now and see how much you could be saving.


Michelle Konstantinovsky is a San Francisco-based journalist/writer/editor and UC Berkeley Graduate School of Journalism alumna. She’s written extensively on health, body image, entertainment, lifestyle, design, and tech for outlets like Cosmopolitan, Harper’s Bazaar, Marie Claire, Teen Vogue, O: The Oprah Magazine, Seventeen, and a whole lot more. She’s also a contributing editor at Fitbit and the social media director at California Home + Design Magazine. She is an avid admirer of shiny objects, manatees, and preteen entertainment.

Full Tort v. Limited Tort – What’s the Difference?

Full tort? Limited tort? …. what’s a tort? Don’t worry, we’ve got you covered. If you live in Pennsylvania, you may know what tort is. For the rest of the country (attorneys excluded), tort is not only a cute nickname for a tortoise but is also a legal term meaning “civil wrongdoing – in civil law, a wrongful act for which damages can be sought by the injured party.” In other words: tort means that someone can seek legal action against someone else for causing damage to them during an accident.

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Still confused where Pennsylvania comes into the equation? Let me explain. Full tort and limited tort car insurance options were instituted by the state of Pennsylvania in an attempt to decrease the number of pain and suffering lawsuits in Pennsylvania courts. Individuals who now purchase insurance in Pennsylvania are classified as either “limited tort” or “full tort.”

So, what’s the difference between full tort and limited tort? So glad you asked – you’ve been paying attention. Let’s discuss.

Full Tort

Regardless of the extent of the injury or damages, someone with full tort coverage is able to assert a claim for pain and suffering – so long as the accident was not their fault. Someone with full tort coverage is not obligated to first demonstrate that they received a serious injury from the accident before they can recover damages for pain and suffering. Because there is no threshold which must first be met, someone with full tort coverage can automatically assert a claim with their insurance provider for all of the losses they experienced from the accident, such as damages to the vehicle, medical bills, etc. – not just the out-of-pocket costs.

Limited Tort

The other side of this coin is limited tort coverage. Limited tort permits someone injured in a car accident to only recover for their out-of-pocket medical bills, wage loss, automobile repair costs, and other actual monetary loss. When someone elects to have limited tort insurance coverage, they are foregoing the right to pursue damages in a personal injury claim for pain and suffering and other similar damages, even in situations where they are not at fault.

The Exception to the Rule

BUT (and there is a but) – there is a limited exception to this general rule that permits someone with limited tort coverage to pursue a claim for pain and suffering where the injuries they sustained in the car accident were considered “serious.” Yes, serious in quotes, because “serious” injuries are not always clearly defined or proven. Of course, in cases where someone requires life-saving treatment following a car accident, those injuries sustained would be considered serious and allow full recovery for pain and suffering. The problem here is that in the majority of cases, the line that differentiates a serious injury from that of a non-serious injury is less clear.

So Which Tort is for You?

Limited tort is the more appealing option for many people because it’s less coverage and therefore less expensive. However, this choice could end up costing them greatly if they are ever involved in a car accident later on. Metromile offers both full tort and limited tort options for our customers in Pennsylvania.

Click here to get a free quote today and find out which coverage option is right for you! Be safe out there and see ya on the roads.

Julianne Cronin is a Bay Area freelance writer, content creator, and founder/editor of the women’s lifestyle site, The Wink. You can find her working on her capsule wardrobe, collecting cacti, and trying out the latest beauty products on Instagram

The Best Wet Weather Driving Safety Tips for Spring

Seems like March came in like a lion but didn’t come close to going out like a lamb. Wet weather driving conditions can be treacherous this time of year. From poor visibility to water-filled potholes, one wrong turn can leave even the most experienced driver in complete panic mode. Each year, wet pavement is a contributing factor to over 1.2 million car crashes. That’s insanity!

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Here at Metromile, we want you to be safe every time you get behind the wheel. Driving on wet pavement can be tricky, but with these tips you’ll be on your way to safer travels this Spring!

Before You Leave Your Driveway

Driving safety starts before you put the car in Drive. Do I sound like your Mom? Good. Your goal this Spring should be to A) See and B) Be seen. Make sure your windshield wipers are in good condition (sometimes old, dull wipers can leave film or streaks on the glass), and all of your external lights (headlights, tail lights, blinkers, etc.) are working properly. Always turn your headlights on while driving in the rain – it’s even a law in some states. Check that you still have a good amount of tread left on your tires by implementing the Lincoln Test. Use a tire pressure gauge to test the pressure of your tires, and inflate if necessary.

On the Road

  • Skip cruise control. On a dry day, cruise control is a perfectly safe and lovely thing to use. On wet and rainy days, the chances of losing control of the vehicle are greater. In order to avoid losing traction, the driver may need to reduce speed by lifting off the gas pedal. This cannot be accomplished when using cruise control, which may cause the vehicle to go into a skid. Skip the cruise control when it’s raining to maintain better control of the car.
  • Leave plenty of room. When visibility is low, it is especially difficult to see how the drivers in front of you are behaving. By leaving plenty of room between you and the vehicle in front of you, you’re reducing your chances of crashing into them if you suddenly lose traction.
  • Respond to hydroplaning. If your tires are worn and the tread depth is below 2 millimeters, you may experience hydroplaning, especially at higher speeds or in deep water. With even as little as 1.5 inches of water on the road, your tires have to displace 1 gallon of water per second in order to maintain contact with the pavement. If you feel you have suddenly lost traction and the vehicle has started to hydroplane, do not immediately panic and slam on the brakes. Doing this will disrupt the balance of the car and make things much worse. Instead, continue to steer in the direction you need to the vehicle to go. Gently let your foot off the accelerator to slow the car down naturally, without use of the brakes. If you do need to brake, do so lightly in a tapping or pumping motion (only do this if your car does not have anti-lock brakes).

To be honest: the biggest factor when driving in wet-weather is you and your judgment. If visibility drops and the roads suddenly become flooded, only you will know if it is time to pull off and wait it out. Sure, it may take you a bit longer to reach your destination, but in the end, the few minutes spent to be safe will always be worth it. Grab a quick free quote with Metromile and be safe out there this rainy season!

Julianne Cronin is a Bay Area freelance writer, content creator, and founder/editor of the women’s lifestyle site, The Wink. You can find her working on her capsule wardrobe, collecting cacti, and trying out the latest beauty products on Instagram

7 Easy Ways to Deter Distracted Driving

In the age of the smartphones and fast food, it seems like everything is a potential distraction. Even the most cautious drivers can get sidetracked by a notification chirp or an errant bonus fry (Jim Gaffigan fans?). With restaurants literally having a drive-thru window, how are we supposed to be expected to pay attention to the road 100% of the time?

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Fortunately, there are a few best practices for preventing distracted driving. If you promise that you’re not reading this on your phone when you’re behind the wheel, we’ll clue you in on our best tips for deterring distracted driving – they’re easy, we promise!

    1. Make adjustments before putting the car in Drive. This includes the seat position, rearview mirror, side mirrors, seat belt, and steering wheel adjustments. This also includes deciding on your route and inputting it into your phone or GPS before ever putting your foot on the gas.

    2. Finish getting dressed and putting on your makeup before leaving the house. Besides just being courteous to others who may see you in your half-dressed state, you’ll also reduce your chances of getting into an accident while applying that final swipe of lipstick.

    3. Secure children and pets before leaving. By making sure your passengers are securely fastened in, you limit the amount of times you might need to reach into the backseat – and potentially causing a car accident.

    4. Avoid eating and driving. We know this one is tough. If you must eat and drive, be sure to pick something that will be easy to hold and eat with one hand – and nothing that will cause a mess, because you might be tempted to clean it up while driving.

    5. Only use your cell phone in an emergency. There’s a reason that many states have outlawed texting/talking and driving – it’s extremely distracting. In addition to being ticketed and fined, you may risk your life or others’ lives by engaging your phone while driving (this includes checking email, social media, etc.). Only use your cell if it’s an emergency, and even then it’s best to pull off to the side of the road.

    6. If you’re drowsy, pull over. Did you know that drowsiness increases the chances of getting into a crash by nearly 4 times? A government study showed that 37 percent of U.S. drivers have nodded off or actually fallen asleep at least once during their driving careers. If you feel tired, get off the road; don’t try to floor it to get home faster.

    7. Limit the number of passengers in the vehicle. Most states’ driver licensing laws prohibit teens from having teenage passengers in the car with them during their early months of driving solo – and for good reason. Driving with friends (whether you’re a new or experienced driver) can create a distracting driving environment because you’ll be focused on your friends rather than the road.

See, didn’t we say that they were easy? Follow these simple guidelines for deterring distracted driving and you’ll be a safer driver, both for yourself and others on the road. As always, be sure to get a quick free quote from Metromile to see how much you could be saving by making the switch! Be safe and see you out there!

Julianne Cronin is a Bay Area freelance writer, content creator, and founder/editor of the women’s lifestyle site, The Wink. You can find her working on her capsule wardrobe, collecting cacti, and trying out the latest beauty products on Instagram

5 Things You Could Do With the Money You Save Using Metromile

How are your New Year’s resolutions coming along? *crickets* Yeah, same. But hey, we’re not judging – in fact, we’re here to help! Did you know that on average, Metromile customers save $611 per year? If one of your resolutions this year was to save money (and honestly, when has that not been a resolution), then settle in and get cozy. We put together this list to show you all the things you can do with the money you save by switching to Metromile!

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5 Things You Could Do With Your Metromile Savings

    1. Deposit more into your 401k. Getting into some seriously sexy money talk right out of the gate. I like it. If your 401k hasn’t been getting the love it deserves, take that extra dough and up your monthly contributions. You won’t be missing the money (because it’s what you were already paying with your previous insurance company) and it will help your future, retired self! By contributing to your retirement fund at a young age, you will turn yourself into a millionaire by the time you retire at age 65.

    2. Pay down debt. Sexy money talk, part II. Having debt is a totally normal thing, so there doesn’t need to be all this unnecessary shame surrounding it. Face your debt head-on and see which payments are the highest interest, and pay those off first. You’ll be amazed at how fast you can tackle your debt if you consistently, and even somewhat aggressively, put money towards it.

    3. Create an “Experience Fund.” Okay, now that sexy money business is out of the way, we’re into the fun stuff. Instead of creating a vacation fund, try out an “experience fund” instead. Life is about creating experiences, beyond those knock-down-drag-out, five-star vacations. This includes weekend excursions, social events, and pretty much anything that you can come away with an epic story. The best conversations and stories with friends revolve around experiences, not just a bunch of stuff that looks pretty. Use the extra money you save by switching to Metromile and get experiencing!

    4. Put a down payment on a new car. Or buy out your car lease (like I did!). Having an extra chunk of change means you can get ahead of certain things you’ve been putting off, like getting a new car. If it’s time for an upgrade, use that extra coin you’ve been saving from your Metromile switch and put it towards that car you’ve been dreaming of!

    5. Invest it. It’s a myth that you need a ton of money to invest in the stock market. You can still make financially sound investments, even if you only have a couple hundred dollars kicking around. With apps like Acorns, you can take a small amount and gradually invest it, without having to do any upfront legwork. This means that you can literally be making money in your sleep – all by investing the money you’ve saved by switching to Metromile! Go you!

Now that you have all of these great ideas, you have no reason not to make the switch to Metromile! Up those 401k contributions, pay down your debt, or set up an experience fund – the choice is yours (+ all that extra money!). What will you do with the money you save by switching to Metromile? We’d love to know!

Julianne Cronin is a Bay Area freelance writer, content creator, and founder/editor of the women’s lifestyle site, The Wink. You can find her working on her capsule wardrobe, collecting cacti, and trying out the latest beauty products on Instagram

A Senior’s Guide to Car Insurance

With every season of life, there are bound to be changes. From your sweet sixteen to going off to college, getting married, having kids, and finally settling into retirement, your car insurance needs are going to change. Today, we’re talking to you, seasoned retiree – because your lifestyle needs haven’t stayed the same, which means your car insurance shouldn’t stay the same, either.

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Often times, retirement can lead to a lot less driving because your life is changing drastically. Instead of the usual grueling commute to work each day, you may be riding your bike or walking – or you just drive less by taking the daily drive to work out of the equation altogether. Metromile might be the perfect car insurance solution for you – with Metromile, you pay a low monthly base rate plus pennies per mile. In this handy guide, we’ve compiled a guide to help seniors (like you!) research and get the best deal on car insurance.

Discounts and Rate Decreases

Generally speaking, people over the age of 65 can find great discounts on their car insurance. Why, you might ask? It’s because their mileage tends to drop, on average, from 10 – 15k miles per year to only 5 – 8k miles per year. That’s about a 50% decrease in the amount of driving that seniors are doing per year! So, because you’re on the road less, some insurance companies will see you as less of a risk and therefore might give you a low-mileage discount. That’s where Metromile comes in – we give all our customers, regardless of their age, a low-mileage discount 24 hours a day, 7 days a week.

However, there is something else to keep in mind: on average, rates do tend to go up slightly once you reach the age of 75. According to the 2009 census, this is due to a higher percentage of fatal crashes that are caused by an elderly driver. So, even if you personally have never been in an accident or caused a crash, your rate could still go up based on this data. In fact, according to The Zebra, in some cases premium costs starts to increase rapidly after a driver turns 64. For a person who has stopped commuting, it makes no sense to pay more, especially if you’re driving less.

Finding the Right Amount of Coverage

When assessing your current policy, there may be a few ways to adjust your coverage and save some money:

  • Your deductible: if you find yourself driving fewer miles than before, you may want to look into raising your deductible. This tactic will save you money in the long-term.
  • The primary driver: if you’re no longer the primary driver of your vehicle (i.e. your child or caretaker drives you), you can look into saving money by changing the primary driver on your policy.
  • Your coverage: if you’re driving significantly less than you used to, it might make sense to adjust your coverage level. For example, if you drop comprehensive or collision insurance from your policy, you will save money on your premium.
  • A second vehicle: when you’re retired, you may find that you no longer have the need that you once did for a second vehicle. Dropping down to one vehicle on your policy is a great way to save some money and streamline your finances.
  • Other insured drivers: with your kids out of the house, you’ll no longer need to cover them on your insurance policy. Reducing the number of people insured on your policy is another great way to reduce your expenses as a senior.

When to Stop Driving

The day that you have to stop driving, either by your own volition or otherwise, will be a difficult pill to swallow. Just like getting your license at 16 meant getting the keys to your freedom, giving up your vehicle symbolizes letting go of your freedom. These are some things to keep in mind as you start to age:

  • Consistently driving faster or slower than the flow of traffic
  • Having a medical condition and/or being on a medication that impairs your ability to:
      1. Concentrate
      2. See clearly
      3. React quickly
  • Experiencing deteriorating vision, hearing, or mobility
  • Getting lost in familiar areas
  • Experiencing frequent small accidents, scares, or moving violations

As a senior, there are many changes happening in your life – so why should your car insurance stay the same? Metromile’s pay-per-mile insurance may be a great option for you as you glide gracefully into your golden years! Get a free quote today – it only takes a few minutes and you could be on your way to a stress-free retirement.

Julianne Cronin is a Bay Area freelance writer, content creator, and founder/editor of the women’s lifestyle site, The Wink. You can find her working on her capsule wardrobe, collecting cacti, and trying out the latest beauty products on Instagram

8 Things You Should Never Leave in Your Car

Hide your phone chargers and take your wallet – if you live in an urban area, you already know to not leave anything in your car that could potentially attract thieves. Not leaving chocolate bars, lollipops, or anything that could potentially melt and cause a mess is also a no-brainer. But did you know that you shouldn’t leave a pair of glasses in the car? How about sunscreen? If these surprised you, keep reading to find out the eight things you should never leave in your car.

8-Things-You-Should-Never-Leave-in-Your-Car

    1. Glasses:
    First up: glasses and sunglasses. If you’re thinking, “I have a pair of sunglasses in my car right now”, don’t panic. This rule is really only applicable if it’s a particularly sunny or warm day. Leaving glasses on your dashboard can cause the plastic to melt, warping your precious specs. Metal frames could become too hot to touch (let alone too hot to wear) due to the way that the windshield attracts and traps sunlight.

    2. Medications:
    Most medications, whether prescription or otherwise, are sensitive to temperature changes. On a hot day, a car can act like an oven, trapping in the heat; on a cold day, a car can act like a refrigerator, trapping in the cold. In order to ensure your medications retain the greatest potency, it’s important to keep them in a cool, dry place – and this place is not your car. If you have certain medications you take on-the-go with you every day, we suggest that you keep them in your purse or bag instead.

    3. Wine:
    Glass bottles are also very sensitive to temperature changes. If left in a hot car, the wine inside the glass bottle will expand and the bottle might burst or the wine might seep around the cork. If you don’t want to clean up a giant mess or have your car smelling like wine for weeks, it’s best to take your after-work purchase inside right away (and drink it, obvs).

    4. Electronics:
    Okay, if you leave electronics in your car in plain sight I won’t feel bad when someone breaks your window and steals them (harsh but true). However, not only are they thief-candy, but electronics and heat/cold do not mix. A car is not like a building – it doesn’t regulate heat in the same way. Once a car is not running, the temperature inside can fluctuate drastically and may cause irreversible damage to phones, laptops, tablets, cameras, etc.

    5. Plastic water bottles:
    Most modern translucent plastic is made from polyethylene terephthalate and contains BPA (the chemical that gives the plastic strength). When cold/room temperature, BPA is inert; however, when heated up, BPA can seep out of plastic and into the liquid it surrounds. Drinking water from a plastic bottle that’s been left in a hot car is quite dangerous for your health, as BPA has been linked to certain kinds of cancers. If you must leave water in your car, it’s much safer to do so in a glass, ceramic, or metal bottle.

    6. Cosmetics:
    Boys, this one doesn’t apply to you so keep scrolling. Ladies, we shell out a lot of cash for those expensive cosmetics – don’t let them get ruined by leaving them in your car! On a warm day, your NARS lipstick will turn into a waxy, red puddle. On a cold day, your Benefit mascara will freeze in the tube and become dry and unusable. Protect your cosmetics and don’t leave them in your car, as tempting as it is for a quick on-the-go touch-up.

    7. Sunscreen:
    If I surprised you by mentioning that sunscreen should never be left in the car, let me explain. The active ingredients in sunscreen break down when exposed to heat; the shelf life becomes shorter and the efficacy reduced. Additionally, you could be left with a big, greasy mess to clean up if the heat in your car causes the cap to blow off.

    8. Flammable liquids:
    All flammable liquids have a warning printed on the side of the canister. This includes hairspray, spray paint, aerosol cans (of any kind), lighters, etc. This is because, above these temperature recommendations, the contents of the pressurized canisters can expand and potentially explode. When dealing with combustibles, it’s better to be safe than sorry.

Off to go clean out your car? Don’t worry – We won’t tell! Of course, you should never leave pets or children in a car, even if it’s just for a moment. As always: be sure to get a quote with Metromile today – it only takes a few minutes and could be the best switch you make all year!

Julianne Cronin is a Bay Area freelance writer, content creator, and founder/editor of the women’s lifestyle site, The Wink. You can find her working on her capsule wardrobe, collecting cacti, and trying out the latest beauty products on Instagram