How I Built My Career: Skills Bring Thrills

Metromile is hiring! Learn how Dev has grown her career at an insurance company in underwriting — no degree required.

Career growth at other companies can be like one-way streets: there’s a clear line of sight that gets you to where you want to go, but there isn’t much room for venturing out or trying new things. 

At Metromile, we celebrate people from all backgrounds and walks of life and recognize that skills come in all shapes and sizes. It’s your work ethic and initiative that mean the most. We make it a point to provide Metromilers with a breadth of exposure and allow for exploration to help guide them along their career journey, whatever direction it may be. 

Get an under-the-hood look at what life is like at Metromile from a member of our underwriting team.

Dev, Underwriter

Metromiler since August 2018

What was your career like before Metromile?

I don’t have a formal degree in any area and have worked in a few different industries, from call centers to manufacturing, but nothing insurance or tech-related. I was still figuring out what I wanted to do. A friend of mine worked at Metromile and always talked about how much he enjoyed the culture and how everyone was so friendly. It seemed like a unique work experience, so I decided to check it out.

During the interview process, I found that not having a degree wasn’t a hindrance at all. The hiring managers were more focused on my relevant work experience and what I could bring to the table, and I was happy that I was seen for my skills and work ethic. It felt like a level playing field.

What has your career at Metromile been like?

I started as a customer experience agent on the phones, helping our drivers with their policies. From there, I was able to move directly into our underwriting department as an underwriting assistant. Now, I am a bit more behind the scenes, reviewing policies when an issue arises or making the necessary adjustments when adding coverage to another vehicle. 

There are so many factors that influence car insurance rates. There are so many vehicle modifications that can be done, so it’s always interesting to see what I’ll come across on any given day. Once I worked on rating an old decommissioned ambulance that someone was using as their personal vehicle!

What do you like most about working at Metromile?

The opportunity, one hundred percent. As a young twenty-something, I’m proud to have gotten so far in my career already, especially not having a degree. And I also love my team and everyone that I’ve met at Metromile. It makes such a difference in your day-to-day. I don’t think I could find another team that I love so much. You can’t replace that.

What do you see next down the road for you?

I’m hoping to be able to step into a leadership position as we continue to grow. Underwriters at Metromile can soon expand what they manage. As a part of that, I’d like to develop my leadership skills and get my Chartered Property Casualty Underwriter license. It’s a pretty extensive two-year certification that demonstrates a high level of expertise and decision-making in underwriting. 

What’s been the biggest thing that’s helped you further your career at Metromile?

I ask all the questions all the time. It helped me because I’ve run into a lot of odd scenarios in my work, so don’t hesitate to get another person’s opinion; get as much knowledge as you can. 

Also be curious about other departments because you might not realize right away where your interests lie. Once I shadowed one of our claims representatives to learn more about their role and responsibilities. They loved it! No one’s ever going to turn you down. Even if  you realize it may not be something that you would necessarily move into, just having that exposure into the business is so helpful. There’s so many facets within insurance and Metromile that I never knew. And I never would have known unless I asked around!

What advice would you give a Metromile candidate who may not have a formal degree or may not come from an insurance background?

It’s not something to be put off by or intimidated by. Our team truly cares to invest in talented people. A piece of paper from a university isn’t the end-all, be-all. Go for it, and apply! 

Interested in joining the Metromile team? Check out all of our open positions. We can’t wait to hear from you!

Experience the power of pay-per-mile and see how much you could save on car insurance by taking a Ride Along™. 

Get your free quote in minutes, or earn rewards when you refer your friends and family.

Demi Greco has also been on the career jungle gym at Metromile. She is a communications specialist by way of a receptionist turned executive assistant.

Behind the Scenes with Metromile’s New Chief Financial Officer Regi Vengalil

Regi Vengalil joined Metromile as chief financial officer. A 15-year veteran of financial planning and operations, he is excited about the opportunities ahead for Metromile.

We started Metromile because we saw an opportunity for insurance to be fairer. We believe the most powerful advantage in insurance is grounded in technology and experience, and we set out to build a better experience from Day One.

Regi Vengalil might understand this more than anyone else. In addition to his more than 15 years of experience as a financial steward, corporate development strategist, and operations executive, Regi is also a Metromile customer of six years.

It’s just one of the reasons why we’re excited Regi has joined Metromile as our chief financial officer.

Here’s why Regi decided to become a Metromiler and the opportunities he sees ahead.

What should people know about you, Regi?

I recently moved back to Seattle to spend more time with my family, and my weekends and evenings are usually spent with them. My parents live nearby, so one thing we started doing recently is to have my entire family stay one night a week at my parents’ house. Growing up in the U.S., my grandparents lived in India, so I never had the chance to spend much time with them. I’m glad my two kids have the opportunity to connect with their grandparents.

I’ve also been a Metromile customer for six years in the San Francisco Bay Area and Seattle. My family and I are huge Metromile fans.

How did you first hear about Metromile?

I used to take the subway into San Francisco, and I saw Metromile ads underground and in the station. I remember seeing the ad and thinking: This makes financial sense.

I only drove my car maybe 100 or 200 miles a month, mainly on the weekends, and I thought Metromile was perfectly designed for me. My wife has a car that she drives maybe 60 miles a month to pick up groceries and run errands. I have had such a great experience between the street-sweeping alerts, remembering where you parked from the app, and understanding how much gas is in your car. 

My wife makes fun of me, but Metromile is the type of product I’m telling people about at parties and on the weekends. Otherwise, how many times do you talk to your friends about auto insurance?

Is that why you decided to join Metromile?

I think there’s so much opportunity for Metromile. I believe we’re in a unique position to shape the future of car insurance

The core success of the company is built on our existing foundation: There’s a huge market opportunity, and I believe Metromile is fundamentally changing the game. 

I believe in Metromile and the experience the product delivers to drivers. I had a great experience when I had a rock in my windshield and had the claim solved simply. I think it starts first by convincing people with savings on auto insurance. Then, they can try pay-per-mile auto insurance, realize the benefits, and see that it’s a better experience if you ever have a claim.

And I think that’s what makes Metromile so compelling.

What opportunities do you see ahead for Metromile?

I’m naturally a problem-solver, and I can’t imagine a more relevant technical problem than what Metromile is trying to solve. Insurance is probably one of the most exciting data science problems, especially as the future of driving changes. For example, I can choose to drive the car myself or let the car drive. Few companies are positioned to price this dynamic fairly, understand the variable risk of who’s actually driving, and respond to the technical challenges because this dynamic is entirely new. 

I believe in how Metromile plans to approach the problem. We have so much opportunity ahead: We will expand nationwide and start to accelerate meaningfully, and invest for the long-term. We have the resources to scale and build differentiated auto insurance. We can also capture demand as Metromile becomes more relevant as mobility evolves to people’s new work schedules and changing driving habits.

We’re in the early innings, and the people who have the richest data and the best technical experience will win. I joined because I believe we have the team to make that a reality, and I am thrilled to be a part of this incredible company and team.

How else do you spend your time outside of work?

I’m a lifelong Seattle sports fan and follow football closely. I’m a big Seahawks fan. Growing up in Seattle, I became a Washington Huskies fan as well. I also just picked up being an assistant tee-ball coach for my 6-year-old. And we just got back from a weeklong trip to Kauai; it made me remember how much we love to travel as a family. I can’t wait for all of us to get out there again to explore and see friends and family.

Speed round:

Are you a better driver or passenger?

Driver for sure. I like to pick the speed and the route.

What are you listening to in the car these days?

Harry Potter and the Goblet of Fire on Audible with the kids (though I’m a fan, too) and 90s hip-hop.

Favorite road trip?

I’ve driven many times between Seattle and San Diego, and there is so much to see. It’s so beautiful, and there are so many fun places to explore along the way. I enjoy the mountains and beaches and walking around the cities in between.

How I Built My Career: Developing Products Through Innovation and Collaboration

We’re hiring! Hear from Brandon about the keys to success as a product manager at Metromile and what it’s like to be at the center of innovation at an insurance company.

Career growth at other companies can be like one-way streets: there’s a clear line of sight that gets you to where you want to go, but there isn’t much room for venturing out or trying new things. 

At Metromile, we like to do things a little differently. All of the left turns, byways, and side streets are not only fair game but encouraged. We make it a point to provide Metromilers with a breadth of exposure and exploration to help guide them along their career journey, whether taking professional training courses to move up into a managerial role or hopping on over to an entirely different department. 

Get an under-the-hood look at what life is like at Metromile from a member of our product team.

Brandon, Metromiler since October 2017

Director, Product Management

We’re hiring! Hear from Brandon about the keys to success as a product manager at Metromile and what it’s like to be at the center of innovation at an insurance company.

What brought you to Metromile?

I was drawn to Metromile because auto insurance hasn’t changed significantly in such a long time — super nerdy, I know! At my previous company, I briefly worked with one of the large national insurance companies. It was then that I realized how stale the industry was and that there is a lot of room for innovation. Being in the San Francisco Bay Area, I heard about what Metromile was doing and decided to make the change.

Being right in the middle of all of the action, what do you think has helped make Metromile successful?

Being able to work closely with so many different teams, whether it’s user research or marketing, helps us develop a very well-rounded product offering. We can have open conversations and challenge what hasn’t been done or what could be done better; we’re not afraid to ask, disagree, or share new ideas. You can chat with the CEO, a vice president, whoever. If you have an idea, it’s on the table. It doesn’t feel like it’s this big, stuffy pitch. 

Our level of collaboration has been incredible. I love working with the executives without all of the bureaucracy and red tape you might experience at a bigger company. That’s not our culture; we do things differently, and it plays to our advantage. In my opinion, freedom and transparency are required in the highly-regulated industry we find ourselves in. Intuitively, you might think it would be the opposite, but having worked with members of the departments of insurance in the states we’re available in, it’s clear that we’re all aligned on building a fair and equitable product for drivers. And they’re open to our methods of innovation!

What Metromile products have you helped develop?

When I started here, my first role was to help launch Metromile in Arizona. It was a hit-the-ground-running kind of project and proved to be a great way to learn about the industry right off the bat. Being involved in a state launch helped open up doors into diversity, different rating factors to consider, and behavioral pricing work. After about a year, I was able to work closely with Dan, our CEO, and with our data science team more. I think a big part of our success comes from working with such a wide variety of people from all professional backgrounds. 

Eventually, I moved into a principal product role, which came with a lot of very interesting, hands-on work of overseeing our product’s actual implementation. After talking with my manager, I realized I also had the opportunity to manage more junior employees on the product team, which has always been an interest of mine. Having those direct, open conversations with managers is a true reflection of our culture, especially with transparency being one of our core values. So that was my next phase, continuing to build out products and mentoring others to further develop the product team.

What is one of your favorite aspects of life at Metromile?

Especially with the teams working from home during COVID-19, I always have felt like I have a great work-life balance; I can take a break when I need to or dial into a meeting while I’m on a walk. The level of autonomy we have was one of the things that brought me to Metromile in the first place and has been a big reason for my happiness here these past few years. 

Autonomy is also how we’re all able to dabble in and explore different areas of the business. For instance, I could never see myself being a full-fledged data scientist, but understanding what goes into that line of work and how that team builds predictive models from scratch is super interesting to me. To this day, I am still learning more about it, and ultimately, it helps inform my work on the product.

What do you love the most about your work?

We have the creative, collective mindset of a technology company. We’re constantly moving, working, and evolving. You’re not going to work on developing a single-function button for five years. 

We operate at a pace that inherently brings a different kind of experience where you can be involved firsthand on strategies and work on a lot of projects within a single year. That’s always been a huge draw for me, personally, to see how everyone else thinks and how they approach these broader solutions of how to make pay-per-mile insurance so simple that people get excited about it. Auto insurance is boring for most people, but we’re doing something different. 

Every day I’m learning new things about the industry — and, at this point, I know way too many insurance acronyms — but it all helps inform how we can package our product and what makes the most sense for our users. I love that constant challenge. 

What are you most excited to develop in 2021?

I can’t wait to start rolling out into new states and get into that process again. It’s always so exciting to develop a game plan when we introduce pay-per-mile to an entirely new market because there are so many audiences in each state. “Low-mileage drivers” don’t all look the same. 

It’ll be great to get into that momentum of growth and adding to our community of customers. We’ll get their fresh feedback, which will help us shape the product even more. Every person in the company is involved and has a major part to play. 

What advice do you have for Metromile candidates who may not come from an insurance background?

I always try to assure candidates not to be intimidated by or focus on having an insurance background; I had only a sliver of exposure to the insurance industry prior to joining Metromile, but it never hindered my work here. 

From the start, my team and the projects I was working on helped me learn and get up to speed very quickly. So many Metromilers come from an array of industries, and it only helps strengthen our business perspective. 

I also wouldn’t want anyone to be scared of auto insurance. Yes, it’s a highly-regulated industry, but  I’ve noticed repeatedly that we continuously challenge the status quo. It’s ingrained in the culture we have. We assess how we go about things, how we can change things up in the name of efficiency and improvement, whether it’s a sales call script or how we develop our road maps. There’s a huge appeal to be a part of a company in an industry that’s rapidly changing. It appeals to those looking to not only grow in their career, but who also want what they do to have a real impact and know that they’re helping modernize a once traditional sector.

We’re a technology company that does insurance. I think that helps people understand our differentiation from these other larger insurance incumbents. Everyone’s heading in the same direction. Having that focus on creating an incredibly simple product that people love aligns Metromilers as a whole, no matter their background.

Interested in joining the Metromile team? Check out all of our open positions. We can’t wait to hear from you!

Experience the power of pay-per-mile and see how much you could save on car insurance by taking a Ride Along™. 

Get your free quote in minutes, or earn rewards when you refer your friends and family.

Demi Greco has also been on the career jungle gym at Metromile. She is a communications specialist by way of a receptionist turned executive assistant.

What You Should Know About Online Anonymous Auto Insurance Quotes

You might want to reconsider searching for an anonymous car insurance quote online. You could end up with an inaccurate rate if you don’t provide accurate or up-to-date information.

You understand that it’s important to shop around for auto insurance to get a competitive rate. However, you want to limit who has your personal information. What if you could have the best of both worlds?

Enter: The anonymous auto insurance quote.

Unfortunately, anonymous car insurance quotes aren’t what they’re cracked up to be. You could receive an erroneous quote or an estimate that might not help you make a good comparison between your current policy.

How do anonymous car insurance quotes work?

Some websites and services offer anonymous auto insurance quotes or coverage calculators. They claim to be able to provide you a quote without any personal information.

Typically, anonymous quote calculators and websites use factors, such as your ZIP code or state and basic information about your driving record. Then, they might provide auto insurance price averages for your ZIP code or state or offer a range of prices for the rates you might receive.

What information do you need to get an auto insurance quote?

Most auto insurance companies personalize the price you pay. 

You should avoid using a cartoon character’s name or a fake name like Joe Blow or John Doe, as the quote you receive may be “fictional,” too.

You’ll typically need to provide personal information to get an accurate quote, including:

Providing valid information about yourself means an insurance company can give you an accurate auto insurance quote. This way, you can make meaningful comparisons of your current coverages and limits and make a more informed decision before you switch insurers

How can I get an accurate car insurance quote online?

The personal information you provide when you receive your quote helps an insurance company understand your driving and whether you might be a risky driver. The insurer uses this information to rate you as a driver, provide insurance discounts or offers, and ensure you’re eligible for coverage.

The quotes or ranges anonymous quote calculators and websites provide generally aren’t binding, which means there is no guarantee an insurance company will sell you an auto insurance policy at these prices. 

To get an insurance quote you can purchase, you will generally need to fill out a complete application and provide information about yourself, your vehicle, and your driving and insurance histories.

Now, you can see how your actual driving can affect the price you pay for car insurance.

Metromile lets you know if you’re a low-mileage driver that could save with pay-as-you-go insurance. Download the Metromile app and start a free Ride Along™ trial before you buy.

You can get a free auto insurance quote with Ride Along. 

We’ll ask you to drive as you typically would for about two weeks (you should keep your current insurance policy to keep coverage during your trial). You can earn up to an extra 40% off your quote, depending on your state, as a reward for demonstrating safe driving habits during your Ride Along.

The bottom line

It might seem extra savvy to get an auto insurance quote online without providing your personal information, but anonymous quotes could cost you. You might find out the quoted price is just an estimate and pay a higher price later or get stuck with a policy with coverage and limits you don’t want.

Auto insurance rates are personalized heavily by insurance companies. Providing your actual and up-to-date personal information and selecting the coverages and limits you want is a good way to make an informed decision before you make a significant purchase.

Here’s How Americans Are Returning to the Roads in 2021

Drivers are returning to the road, but how they are driving in 2021 has changed. Metromile data shows a new normal is emerging.

Drivers are springing back to the roads, Metromile data from the first three months of 2021 shows. 

The total number of miles driven across the U.S. surged in March 2021 compared to the same time last year, after months of continued slumps, according to an anonymized and aggregated sample of Metromile customers nationwide.

But as the U.S. recovers from the COVID-19 pandemic in 2021, Metromile data shows life for many people may look different than it once did. Like the so-called “K-shaped” economic recovery, a bifurcation in driving and mobility is developing nationwide.

The recent driving behavior may be a good indication of a “new normal” as more people embrace flexible hybrid schedules for in-office work and use their cars differently than they had last year.

How has driving in the U.S. changed in 2021?

While driving recovered occasionally in 2020, notably in the summer and year-end, vehicle use remained low. Metromile customers nationwide collectively drove 30% fewer miles from April through December 2020 compared to the same period in 2019.

Early data showed signs these low levels would continue in 2021. 

Miles driven nationwide in January and February 2021 were both 28% lower year-over-year, not dissimilar from the 30% drop observed throughout 2020.

The situation changed dramatically in March. Drivers nationwide collectively put 19% more miles on their vehicles year-over-year and 20% more than February 2021.

Despite the recent rebound, mileage hasn’t yet returned to pre-pandemic levels. The total number of miles driven nationwide in March 2021 is 79% of the miles driven in February 2020.

People in Illinois and Washington state ramped up driving the most by 29% and 30% in March, respectively, from the year prior. The increased mileage might be a result of resumed commutes as large employers in both states reopened offices. Notably, tech giants encouraged employees working from home to return to their Seattle area campuses at the end of the month.

Californians and Oregonians added 19% and 16% more miles on their vehicles, respectively.

Smaller upturns in driving came from East Coast Metromile customers. The total number of miles driven in March 2021 grew by 18% in Pennsylvania, 12% in New Jersey, and 11% year-over-year in Virginia.  

Arizona, one of the last states to implement a stay-at-home order last year, saw the smallest increase in March 2021. Mileage in the Grand Canyon State rose by only 6% compared to the year before.

Will these new driving trends continue in 2021?

While the total number of miles driven is quickly approaching pre-pandemic levels, it is becoming more apparent how people drive has changed. A new normal may be developing.

People returning to the office may be in for a pleasant surprise: Drivers may find fewer congested roads, as people plan to commute less often than they did before. The trend will likely persist as employers embrace hybrid work schedules, and full-time remote work continues to be more accepted.

Already, the number of miles driven from January to March 2021 during the weekday morning rush hour of 7 a.m. and 10 a.m. fell by 15% year-over-year.

The changed behavior could be positive for road safety. Rush hour and evening driving are typically more risky journeys because of increased road congestion and poorer visibility, respectively.

Drivers have also shifted when they get into their vehicles to the weekend and the afternoon.

The increase in miles driven nationwide may be a result of road trips and other long-distance driving. Highway driving, as measured by miles driven 60 miles per hour or faster, grew considerably in the first three months of 2021 compared to the year before.

Metromile customers nationwide took 14% more trips to new locations more than 75 miles away in 2021, and the number of miles driven in trips 75 minutes or more soared by at least 25% year-over-year.

While miles driven nationwide increased recently, traffic levels remain at pre-pandemic lows. The number of miles driven at 30 miles per hour or slower is down — no matter the trip duration.

News headlines have also focused on the sharp increases in reckless driving and speeding as fewer cars are on the road during the pandemic. According to Metromile data, high-speed driving is most common in short trips between 15 and 30 minutes and on road trips of two hours or more.

While speeding 75 miles per hour more is up 74% from January to March 2021 compared to the previous year, there is some reversion to pre-pandemic norms emerging. 

Speeding in the first three months of 2021 has decreased by 32% compared to last spring, and the average speed of trips between 30 and 75 minutes has also reduced.

The bottom line

The COVID-19 pandemic created a nearly instant shift in the way people get around the United States. 

Local and state shelter-in-place and public health orders minted millions of new low-mileage drivers overnight, as many people limited their vehicle use to the bare minimum.

While some drivers may return to their pre-pandemic habits, Metromile data from the first three months of 2021 reveals how people return to the road has likely diverged. Emerging social trends, such as increased remote work and household moves to further away suburban and rural communities, may advance these changes and create different driving routines and a new normal going forward.

How I Built My Career: Claims Adjuster to Salesforce Administrator

At Metromile, we like to do things a little differently. (We are disrupting the auto insurance industry after all.) From offering drivers more fair and personalized pricing to streamlining claims with our AI-powered process, innovation is at the core of everything we do. 

Especially when it comes to our employees’ development.

In this blog series, you’ll hear from some of our very own to get a taste of what’s possible with a career at Metromile.

Metromile is hiring! Learn about Kyle’s career path and how he became a Salesforce administrator in less than two years.

Kyle, Salesforce Administrator

Metromiler since August 2017

Metromile is hiring! Learn about Kyle’s career path and how he became a Salesforce administrator in less than two years.

How did you hear about Metromile?

A few years ago, a recruiter at Metromile reached out to me about a claims adjuster position. At the time, I was perfectly happy working in a similar role at a big-name auto insurance company and wasn’t necessarily looking to go anywhere. But they had taken the time to reach out, so I figured why not hear them out and see what they have to offer.

At the large insurer I was at, career development happens in a singular funnel, confined within your department. Learning more about Metromile through the interview process, I could already foresee a lot more growth from the breadth of the role’s scope. 

What sold you on Metromile? 

Being part of a smaller company gives you more opportunities to help pave the path and directly impact the business — something that means a lot to me that I didn’t have in my previous role. And with technology and innovation being such a core part of the company, it really got me looking forward to what the future could hold. 

I started my career with Metromile as a standard claims adjuster. After about seven or eight months, I was able to move into an injury adjuster role — still within my insurance wheelhouse, but it was definitely a different daily workload. 

A while later, a position opened up for a Salesforce administrator. This was a bit more in line with what I was looking to do long-term. I’ve always been super interested in technology and being able to own a product within the company. My previous Salesforce experience up to that point had been fairly limited, but as I started learning what exactly an administrator is responsible for and seeing the career opportunities available with that role, the more I was excited about the position. So I reached out to my manager to let him know I was interested in applying, and he was all for it. Having that openness and encouragement meant so much. I went for it, and here I am two years later!

In your role, how are you helping our customers’ experience?

Our sales, customer service, and underwriting teams use Salesforce. I’m responsible for debugging that platform and ensuring everything works and improving and expanding on our use of the tool. Essentially, I help optimize it so our agents will have to make less clicks, type less and spend less time on tasks so that they can get our customers the information and help they need more quickly and efficiently. By continually improving our Salesforce platform, we’re ensuring we maintain our high level of service and create fiercely loyal customers!

What excites you the most about your role?

The problem solving! I love diving right into fixes, as well as identifying areas of improvement that we want to implement down the road, and figuring out how to piece that strategic puzzle together. If we want Z, we also have to do X and Y to get there. And then I get to work on those individual pieces to get closer to the end result. It’s pretty exciting. And the same holds true even for small debugging tests. If one of our licensed agents lets me know they click somewhere and get an error, I follow that string of errors back to the source issue. 

Currently, I’m working on making further efficiencies to our policy management system. It’s a project I’ve been able to be involved in at a high level at first, but as we’ve started to implement it, I’ve taken a step back to start working Salesforce into it and manage more of the backend to ensure the integrations are working correctly.

What do you love most about working at Metromile?

Career growth is a big one. I’ve been responsible for Salesforce for a little over two years. In your work here, you can see the immediate benefit in real-time to both our customers when they interact with us and our agents who are using these platforms on the other side. 

I’ve been able to take on additional programs to grow the scope of what I do. And even then, there’s always an outlook for even more growth, as the company and the scope of Salesforce grows, which definitely keeps me busy!

Beyond that, I’ve loved everyone that I’ve worked with. Our team is motivated to do their part and see how their work carries over into Salesforce and the end-results. Whenever I release a new product or improvement to the Salesforce platform, everyone rallies and is fired up about the changes and improvements. And the flip side of that, whenever a platform change indirectly has a bit of a negative effect on our users, the team is always quick to tell me so that I can iterate on the issue and start working towards a solution. It’s a level of collaboration I haven’t had at past companies, making us that much stronger as a business.

What career advice do you have for insurance professionals about joining a challenger brand?

Metromile is the newest company I’ve worked for, but it has been so worth it. When I first switched from the large auto insurance company, I was a little bit unsure, but I was excited about the notion of working for a company aimed at challenging the status quo. 

My best advice would be to be open and ready for a change of pace. As a company, we may set our eyes on a certain goal or objective, and before it’s complete, we may make calculated changes along the way based on the results we’re seeing. That’s fairly normal, I think, for smaller, more nimble companies. It was definitely something that, at first, I had to adjust to, but after a while, I came to enjoy the whole journey. 

I would say it’s 100% worth it and way more exciting than you could even imagine. And after being here for three years, it’s come to blow my expectations away and make me even more enthusiastic about my work than I ever thought I would be. 

Interested in joining the Metromile team? Check out all of our open positions. We can’t wait to hear from you!

Experience the power of pay-per-mile auto insurance and see how much you could save by taking a Ride Along™. 

Get your free quote in minutes, or earn rewards when you refer your friends and family.

Demi Greco has also been on the career jungle gym at Metromile. She is a communications specialist by way of a receptionist turned executive assistant.

How is car insurance calculated?

Many drivers could save money with Metromile because they don’t drive often. Metromile customizes bills based on someone’s driving habits.

Have you ever wondered how your auto insurance rate is calculated?

Most car insurance companies consider your driving record, the type of car you drive, how much policy coverage you want, and demographic information, such as your age or where you live and park your car. 

But Metromile takes it a step further and focuses the rate you pay on how you drive.

Unlike other insurance companies, Metromile’s rates are based on how far you drive. Instead of paying a fixed rate, your actual car usage determines your car insurance premiums. This means low-mileage drivers could save money with one of our pay-per-mile insurance policies. And if you’re a safe driver, we want to recognize and reward that behavior, too.

But before we get into all that, let’s take a look at how insurance companies calculate car insurance rates.

What factors into my car insurance rates?

Car insurance companies look at certain factors when setting your rates.

While each insurer has its proprietary formula, many insurance companies tend to use the same information to calculate your car insurance premiums:

  • Your age
  • Your gender (in some states)
  • Your education (in some states)
  • Your job (in some states)
  • What type of car you drive
  • Where you live
  • Your credit score (in some states)
  • Your driving record
  • Your insurance record


Your age can play a big role in determining your car insurance rates.

Studies have shown that young drivers, especially teenagers, who might have less experience on the road, are more likely to get into car accidents than older drivers. So if you’re just starting, your rates might be higher due to the increased risk.

The best thing you can do is prove you’re a safe driver by following the rules of the road, so you don’t get traffic tickets or into accidents. 

Over time, insurance companies will reward your safe driving with lower prices or discounts. 


Gender might also play a role in determining your car insurance rates.

Men are more than twice as likely to be killed in a car accident than women, according to the nonprofit Insurance Institute for Highway Safety. In 2019, the most recent year for which data is available, 11,896 male drivers lost their lives in crashes, compared to 4,868 female drivers.

This might be because men tend to drive more often and may be more willing to take risks on the road.

So you might be surprised to learn that some auto insurance industry studies show women, including those older than 25, might pay a little more than men for car insurance.

Because of this, places like California, Hawaii, Massachusetts, Montana, Pennsylvania, North Carolina, and certain areas in Michigan have banned car insurance companies from considering gender when calculating a driver’s rates. But in many other states, insurance companies can still consider gender.


Some car insurance companies also look at your education.

While some states have banned this practice, in other states, drivers with a higher level of education, such as those with a college degree, could save money on car insurance compared to those who only have a high school diploma.

Some insurers might also provide a discount for college students.


Auto insurers might also look at the type of job you have.

While this practice is not allowed in some states, your job could affect your insurance rates in other places. 

Some companies and professional groups work with insurers to provide an auto insurance discount to their employees. On the other hand, some professions might travel a lot more than other drivers, for example, and might be considered riskier and pay higher rates.

Car type

Car insurance companies also look at the type of car you drive.

If you trade in an older vehicle for a fancy sports car, it stands to reason you might pay more for insurance because your new car would cost more to replace. The more expensive it is to replace your vehicle, the greater the risk and cost for your insurance company. So they might charge a higher premium to make up for the pricey repairs.


Where you live can have a big impact on your car insurance premiums. 

That’s because some places are more dangerous for car owners than others. 

No matter how safe of a driver you are, sometimes accidents caused by other drivers are unavoidable. And even if you don’t get into an accident, your car could get stolen or affected by the weather.

So if you live in a big city with more cars on the road, where accidents and vehicle thefts might be more common, you might pay more for insurance than if you lived in a rural town.

Some car insurance companies might also ask you where you park your vehicle at night and whether it’s parked somewhere covered. It could be riskier to park your car on the street than inside your home’s garage, and this additional risk could increase your car insurance rate.

Credit score

Building an excellent credit score is not only a good way to qualify for an auto loan with low interest rates, but it could also save you money on car insurance.

In some states, car insurance companies might use your credit score to determine how responsible you are. They figure if you’re responsible with your finances, you’re more likely to be a responsible driver or less likely to file a claim.

Insurance record

Similar to your credit score, car insurance companies track your auto insurance history.

They look at previous claims you’ve filed and whether you maintained continuous insurance coverage. If you filed a claim after an accident or totaling your car, that could factor into your rates. Likewise, in many states, if you sell your car, stop driving and skip insurance coverage for a few years, it might be more expensive when you start back up.

Driving record

As you might imagine, car insurance companies are especially concerned with your driving record.

While things like your age, gender, and where you live might help car insurance companies gauge your risk, your driving record provides the most accurate representation of the type of driver you are.

If you have a pile of speeding tickets or were at fault in a car accident, your car insurance rates could skyrocket.

But over time, a clean driving record can go a long way toward helping you save money on car insurance.

What things DON’T affect the price of car insurance?

You might have been surprised about some of the information car insurance companies might use to determine your rates. But you’ll be relieved to know that your race, ethnicity, and religion should never be factored into your car insurance rates.

That information is strictly off-limits.

Furthermore, while insurance companies might look at the type of job you have, they’re not supposed to factor in your income into your car insurance rates.

How does Metromile calculate my car insurance rates?

At Metromile, we care more about the way you drive.

Our pay-per-mile car insurance policies focus on your driving record, insurance claims history, the type of vehicle you drive, the amount of coverage you get, and theft and accident rates in the neighborhood where you live.

In some states, we might also consider your age, driving experience, education, profession, and whether you’ve had continuous insurance coverage.

But what sets Metromile apart is our ability to look at your driving patterns in some states. The Pulse device we send you to count your miles can also gauge how safely you drive over time and give us an understanding of the quality of each mile you drive.

All of this information helps us get a better picture of you as a driver to personalize your insurance rates, and hopefully, offer you a lower price.

How can I save money on car insurance?

Now that you know how car insurance is calculated, let’s take a look at how you could save money on car insurance.

Here are a few ideas to get you started:

  • Shop around: Compare prices from different car insurance companies to make sure you’re getting the best price. Auto insurance prices can change over time, so you’ll want to stay up to date on the latest rates.
  • Take a closer look at your insurance coverage: You might be able to adjust your coverage levels or deductible to save money on your monthly premiums if your lifestyle has changed. But it’s crucial to weigh the pros and cons before making any changes to your policy.
  • Drive safely: Metromile offers discounts to good drivers who are accident-free and mature drivers, as well as those who install safety equipment in their cars in select states. 

The bottom line

One of the easiest ways to pay less for auto insurance is to drive less. Low-mileage drivers could save hundreds with a pay-as-you-go car insurance policy from Metromile.

Metromile offers a Ride Along™, so you can try before you buy for free. 

After you download the app and get a free auto insurance quote, you’ll have a 17-day trial period (you should keep your current insurance provider to maintain coverage) to show us how much you drive and whether you’re a safe driver. We’ll then use how you drive to show you an accurate rate or give you a discount up to an additional 40% off your quote, depending on your state, for safe driving. 

What It’s Like to Drive in the United States During COVID-19

Many Americans drove less during the COVID-19 pandemic, but for some, auto insurance prices remain high. Metromile can help low-mileage or infrequent drivers save with pay-as-you-go auto insurance.

It’s not your imagination: Many of us now drive less often than we did before the COVID-19 pandemic.

The decline in driving may have started last spring, as states and other areas adopted stay-at-home orders and other public health guidelines beginning in March 2020. In some cases, the number of cars on the road dropped dramatically. In the month from March 19, 2020, the total number of miles driven dropped 58% nationwide, according to Metromile data.

Some signs point to this trend continuing.

Driving in the United States before the coronavirus pandemic

A majority of Americans are infrequent drivers, and this trend started before the coronavirus pandemic.

The U.S. Department of Transportation reported Americans drove less than 37 miles a day on average in 2018, the most recent year for which data is available. In fact, 65% of Americans drive less than the national average, making them low-mileage drivers

And there is no single group of low-mileage drivers, a sign of how commonplace this is across the United States. Some of these drivers include:

How driving in the United States changed because of COVID-19

Despite indications last year that driving may be rebounding, including increased road trips in December 2020, the number of miles driven nationwide remains lower than pre-pandemic levels.

Metromile customers nationwide collectively drove 30% fewer miles year-over-year from April through December 2020.

Coastal drivers had the most significant changes in 2020. Virginia drivers put 33% fewer miles on their vehicles, the largest drop among Metromile customers during the pandemic, while those in California and Washington state plunged 32% and 30% miles from their daily routines, respectively. People in Oregon and New Jersey both reduced miles driven by 25%, while Pennsylvania cut their driving by 26%. 

Arizona and Illinois drivers may have rebounded the soonest, as their miles fell 21% and 23%, respectively, the lowest decreases among Metromile customers.

There are also indications Americans changed how they drive during the coronavirus pandemic.

While Metromile customers drove less overall, they started to take longer trips. The number of trips to new locations 75 miles or further away from April through June 2020 increased by 21% compared to the same period in 2019.

During the same period, drivers across the country drove more often in the afternoon, seemingly replacing their morning commutes and late-night driving with mid-day trips.

What the new driving trends mean for auto insurance

As Americans drive less often, they could stand to save on auto insurance.

Pay-per-mile auto insurance, sometimes called pay as you go or pay as you drive auto insurance, can reduce costs for low-mileage and infrequent drivers. Instead of paying a flat rate with traditional car insurance companies, drivers can instead pay for what their lifestyle might require.

Unlike other auto insurance, pay-per-mile insurance rates focus on someone’s actual driving.

Car insurance savings can add up. During the COVID-19 pandemic, Metromile customers collectively saved about 27% in per-mile premiums from April to December 2020 because they pay per mile. 

As a result, some drivers saved double (or more) the auto insurance discounts provided by other insurance companies or suggested by the state.

Perhaps unsurprisingly, Virginia drivers, who reduced their driving the most among Metromile customers during the pandemic, saved the most, paying 41% less in per-mile premiums than they did the year before.

Drivers in Washington state and Arizona had per-mile premium reductions of 31% and 29%, respectively.  

Metromile customers in Oregon and Pennsylvania paid 26% less than they did in per-mile premiums than the year before, while California drivers cut their per-mile bills by 27%. 

Finally, Illinois and New Jersey drivers saw 20% and 18% lower per-mile premiums, greater savings than the partial refunds some insurance companies provided during the pandemic.

The bottom line

Many Americans could benefit from pay-per-mile auto insurance. For many drivers, Metromile can provide the same coverage as other car insurance companies without a pricey bill. 

Metromile offers a trial called Ride Along™, which gives drivers the opportunity to try pay-per-mile auto insurance before they buy. 

After you download the app and get a free auto insurance quote, you’ll drive as you typically would for about two weeks (you should keep your current insurance provider to maintain insurance coverage during the trial) to show us how much you drive and whether you’re a safe driver. We’ll then use how you drive to show you an accurate rate or give you a discount up to an extra 40% off your quote, depending on your state, for safe driving.

How do car insurance claims work?

Metromile makes it easy to file an auto insurance claim. Here’s how it works and what you can expect if you need to file a claim.

After getting into a car accident or having your car stolen, it’s normal to feel pretty shaken up. After the shock wears off and you ensure everyone involved is okay, it’s time to deal with the not-so-fun part — filing a car insurance claim. 

It can be tough to deal with everything you have to do, and you might have a lot of questions. In this guide, learn about the car insurance claim procedure and what you need to know to get started. 

How do auto insurance claims work?

After a car accident or instance of car theft or damage, you generally need to file a car insurance claim. As part of the insurance claim process for car accidents, vehicle damage, or personal injury, you will want to get in touch with your insurance company and provide details about what happened. 

The car insurance claims process can differ depending on the nature of the event. For example, the insurance claim process for car accidents will be different from a stolen car insurance claim investigation. Typically you’ll need the following information to get started:

  • Names and contact information for everyone involved
  • Insurance policies for both parties (as part of a car accident claim procedure compared to a stolen car insurance claim investigation)
  • The date, time, and location of the incident
  • Photos of any damage 
  • A copy of the police or accident report

When you file a claim with a car insurance company, you’ll get assigned a claims adjuster. The adjuster will review all of the information and determine which party is at fault. In some states, an insurance company can find you partially at fault and therefore partially responsible.

The claims specialist will help determine who’s at fault. If you disagree with the settlement, you can get started with the car insurance claim dispute process.

If the other party is at fault, your insurance company may seek payments from the other insurance provider. If you’re deemed at fault, you’ll need to pay your car insurance deductible. 

How do car insurance deductibles work? 

A car insurance deductible is an amount you pay out-of-pocket before your insurance company covers anything. So let’s say you had a $1,000 deductible, and the damage to your car would cost $3,000, your car insurance provider would cover $2,000 for the repairs. 

It’s important to know how much your deductible is and what type of coverage you have, such as collision coverage or comprehensive coverage

Frequently asked questions about car insurance claims 

You might have a lot of questions about how auto insurance claims work, so here are some answers to some common FAQs. 

Do I need to file an auto insurance claim?

Yes, in most cases, it is advised to file a car insurance claim. 

You must report and file a claim if there has been an accident. If there are minimal damages and no injuries, some people think it’s a good idea to settle with the other party (Hint: it’s often not). You could open yourself up to trouble down the line if they realize the damage is more than they initially realized, and your car insurance company may not cover you since you didn’t report it. 

If the damage to your car is minor, for example, scraping the side door, and no one else is involved, you generally don’t need to file a claim. The cost of repair may be less than your car insurance deductible, which means you’ll have to pay for any necessary fixes out of pocket. 

When do I file an auto insurance claim?

You need to file a claim if there has been an accident or injury involving another party as soon as possible. 

If you’ve experienced car theft, file a claim quickly so your car insurance can get started with a stolen car insurance claim investigation.

Should I file a claim with my insurance or the other person’s insurance?

If a car accident is your fault, you’ll want to file a claim with your own insurance company. 

If you’re not at fault and have collision coverage, it’s a good idea to file a claim with your own insurance company. This is a good route if the other party isn’t cooperative or has issues with their insurance. 

Lastly, if you’re not at fault and want to avoid paying your car deductible, you can file a claim with the other party’s insurance. 

Should I use my insurance company’s network of repair shops?

After a car accident, your car insurance company may refer you to a network of repair shops to help fix the damaged vehicle. These repair shops are vetted and help keep costs affordable, but you’re not required to use them. If you have another repair shop you’d rather work with, you can do so. 

Some people may get a payout if there is a total loss when the cost of repairs exceeds the vehicle’s value, so you may not need to visit a repair shop. 

How long do I have before I need to file an auto insurance claim? 

You should file a claim with your car insurance provider as soon as possible after an accident. Consult with your insurance policy to see about file claim deadlines. 

Why the vehicle insurance claim process is important 

Whether you’re in an accident or dealing with car theft or some other issue, the car insurance claim process is important for a number of reasons. Car insurance can provide financial support or peace of mind during a difficult time.

The auto insurance claims process should ideally be easy to manage, but often, it can lead to a lot of back and forth. That’s why Metromile set out to create a car insurance claim procedure that is different from the rest. 

How car insurance claims work with Metromile

Traditional car insurance companies treat filing a claim differently than Metromile. Notably, Metromile aims to save you the hassle by using technology to help you with the car accident insurance claim procedure. In some cases, your entire claim could be completely automated, meaning you can be made whole again more quickly.

We have AVA, which is Metromile’s AI claims system that can make the car insurance claims process easier than ever. AVA guides you through getting damage photos, collecting information, and even same-day payments for some claims. Using this innovative technology, you can resolve the issue at hand sooner. For example, AVA can help determine what actually happened and connect you with local repair shops or rental cars for your convenience. 

Our goal is to make auto insurance seamless. Because when you’re in a position when you need to file a claim, the last thing you need is to add any more stress to your plate. 

Melanie Lockert is a freelance writer, podcast host of the Mental Health and Wealth show, and author of Dear Debt. She’s a cat mom to two jazzy cats, Miles and Thelonious, an amateur boxer, music lover, and needs coffee to function.

How I Recovered my Stolen Vehicle with Metromile

After thieves stole Isabel's car from a covered garage in Oakland, Calif., Isabel used the Metromile app. She then recovered her stolen vehicle.

As a long-time Metromile customer — and former Metromile employee! — Isabel is well-versed in the ways of pay-per-mile auto insurance and Metromile’s insurance coverage.

But Metromile still found a way to surprise Isabel.

Now that she’s working from home, her odometer may be taking a break, but her Metromile insurance is still hard at work — most recently helping her recover her stolen Audi in February 2021. Here’s how Metromile reunited Isabel with her car.

What’s been your experience as a car owner living in the city?

Let me start by saying I’ve had terrible luck with parking garages: a popped tire here, a yanked-off bumper there. 

I never had a problem when I lived in San Francisco and would park on the street. You would think someone would have broken in then! Half of the time, I would forget what street I parked on, so I always pulled up the Metromile app to find my car. 

Now I live in Oakland, California, in an apartment building that has an attached covered garage. During the day, it’s open to the public as paid parking. Since I’ve been working from home this past year, I don’t drive very often, and I don’t check the app as frequently anymore. 

How did you find out someone stole your car?

One night I received a text alert from Metromile saying my check engine light was on. It was really bizarre.

I brushed it off, thinking my car was parked safe and sound downstairs. It wasn’t until the next day, around noon, that I discovered my car was missing. I just wanted to get the pack of La Croix I had left in the backseat!

I remembered, from my time on the Metromile customer experience team, when I helped people find their stolen cars; I immediately pulled up the Metromile app to find my car’s whereabouts. 

Luckily, the thieves hadn’t spotted my Pulse device or thought to pull it out. I could see them driving around in Oakland, California. I called the police, and we waited for a few hours until the car stopped moving. It ended up only a mile and a half from my house behind a motel.

How did they manage to get your car out of the garage?

The people who stole my car were very professional. On the security footage, you could see them drive into the garage in another Audi. They managed to start my car without breaking any of the doors or windows. It took them less than five minutes, so they were in and out before they had to pay for parking. 

They exited the garage with both cars close together so they could get out in one go before the barrier arm came down. The police said the way they stole my car is very common nowadays. 

I would have thought that would only be the case in public parking garages. That’s why I pay extra for my parking spot in the first place! 

What state was your car in when you found it?

The thieves had tinted the windows, spray-painted the wheels, and changed the license plates in just a few hours. 

The engine was fine, but they must have tried tinkering with something under the hood, which had prompted the Metromile alert earlier. 

The interior was full of trash and all of the tools you would need to steal cars, like power tools and batteries. There was a cell phone, computer parts, and some people’s identification cards. Thankfully I hadn’t left many personal items or valuable items in the backseat, so I’m really lucky. 

It was pretty inconvenient and feels a little violating, but it could have been much worse had I not had Metromile. 

Having gone through this, what advice do you have for other occasional drivers like yourself?

My tip for other drivers out there: even if you have covered parking, beware. 

Without the help of the Metromile app, I wouldn’t have gotten my car back. Metromile has saved me money, and now, having recovered my car, I love it even more!

The bottom line

As Isabel learned, things can happen to your car, even when you’re not driving much, or take precautions like purchasing covered parking in a garage. This is why it’s important to have the right amount of auto insurance coverage for your lifestyle and budget.

Metromile has reunited drivers with their lost or stolen vehicles. We even boast a 90% stolen vehicle recovery rate as of the end of February 2021.

Not sure if Metromile is a fit for you? 
Take a Ride Along™ to try before you buy. Download the Metromile app and get a free auto insurance quote. You’ll keep your current coverage and drive as you typically would for about two weeks. Then, we’ll consider your actual driving to provide you with an accurate rate. You could even save up to an additional 40% off your quote in select states for your safe driving.