How I Drive: I Chose Pay Per Mile Because I Work From Home

Low-mileage driver & Illinois resident RJ

RJ Weiss works from home full-time in Geneva, Illinois, the western suburb of Chicago, where he lives with his wife and three children. A certified financial planner, he runs The Ways to Wealth. RJ describes it as an online community full of resources that helps people learn how to make money, budget, and invest their money wisely.

The work-from-home financial whiz became a Metromile customer in March 2018, after finding people who work from home weren’t getting a good deal from other insurance companies.

How’d you hear about Metromile?

I found Metromile while comparing options for low-mileage drivers. You could say insurance and financial planning run in my blood. I became a certified financial planner in my 20s, and my family had an insurance agency that dated back four generations. My father was the president of the agency, so we talked about insurance a lot. We still do, even though he’s sold the agency.

Why did you choose Metromile?

I thought my previous insurer wasn’t giving us enough credit for not driving much. We live about 40 miles outside of Chicago, and other than a big road trip now and then, we tend to drive close to home. With my understanding of coverage options, limits and Illinois requirements, Metromile seemed like a great fit for my family. 

We could have bundled our auto insurance with our home insurance, but my home insurer offered a discount that was only about 5% to 10% — that doesn’t come close to what I’m saving with Metromile. Unbundling was definitely a better option for us.

How has your bill been affected by shelter-in-place orders? How much is an average bill now compared to this time last year? 

I was already saving a lot, and now I’m saving even more. Last year, our monthly Metromile bill for both of our cars was usually about $60 or $70 total per month. Since shelter-in-place, it’s dropped to about $45 or $50 per month.

Have you taken advantage of Metromile’s free miles feature? In Illinois, we charge up to 250 miles driven in one day, and any additional miles after that on the same day are free. 

Yes! We took a family road trip to Tennessee last year, and that feature really came in handy. It’s sure nice to have the cap. It wound up being less than $10.

Have you used the Metromile app? 

Yes, I love the app. It’s fun to track my driving and costs. I don’t mind having the Pulse device plugged into our cars because it provides a more accurate view of our driving, keeps our rates low, and benefits me as a consumer.

What’s your advice for people who might be newly working from home or looking for ways to save money?

You have to find insurance companies that are willing to give you credit for what you already do. I found Metromile after I moved to work from home full-time, and it paid off to take advantage of the cost-savings. I know from personal experience that insurance companies have so much data about their customers that the cost can really skyrocket if they don’t want you. 

Additionally, more people are low-mileage drivers than you might think. It’s becoming more common to keep the car parked and walk to the store. It helps that I come from insurance, and I knew this trend; it made me an early mover to pay per mile.

Don’t Forget This Money To-Do When You Say ‘I Do’

Shannon Wright & her husband (Photo Credit: Kristie Hurst photography)

You know this if you’ve just gotten married: your to-do list can be immense. Add in the stress of how weddings have changed in the era of coronavirus — everything from a change of venue to front porches or Zoom celebrations — and it can get overwhelming quickly.

We asked Shannon W., Metromile’s Senior Manager of Customer Experience Operations, to help make things simpler. Newly married herself, Shannon shares tips about how your marital status might impact your car insurance rates and how to get a good rate after you say, “I do.”

Talk to your partner

You probably have a mental note on your to-do list to talk about your finances with your partner. But, have you considered talking about your driving and car insurance?

For starters, here are four questions you should ask your partner. Your partner’s answers will give you clues as to whether your car insurance bill may increase or decrease as a married couple, and what you should do next.

  1. How many years of driving experience do you have?
  2. Have you had any tickets or violations in the last few years? 
  3. Have you ever gone without car insurance?
  4. Have you ever been in an at-fault accident?

You’ll want to be equipped with the answers to these questions, so you’re both better prepared to get a competitive car insurance rate.

Review your current insurance

Now that you’ve tied the knot, you and your partner may want to tie your insurance policies together. It could pay off to take a few minutes to review your policies together beforehand.

Research shows married couples are generally deemed “less risky” drivers and could be eligible for discounts on auto insurance premiums. So, if you and your spouse both have great driving records and have no gaps in your insurance coverage, insurance companies will generally provide lower rates. Even if you previously shared a car insurance policy, you could still be eligible for additional discounts.

Even if one of you has a driving record that’s still a work in progress, the two of you may be able to benefit from multi-vehicle discounts by insuring multiple cars together on the same policy.

Keep in mind that if your partner has a history of bad driving, it could negatively impact your insurance rates, and a combined policy might not make sense. You might also consider excluding your partner as a driver on your policy, so their work-in-progress driving record doesn’t affect your rate, but understand this might not be possible in all states. Additionally, excluding someone from your policy means they won’t be covered by your insurance policy while driving your car, and you’ll be personally responsible for any damage if they’re driving. 

Shop around

Whether or not you said “I do” to a great driver, you should consider shopping around for car insurance. It’s a good idea to compare rates often, as changes in your life, including getting married or moving in together to a new place, could affect the price you pay.

You could also look into whether it might be better to keep your current policies and coverage separate. Just make sure both of you are listed on the other person’s policy, as insurance companies generally require you to include everyone in your household who might drive your car. Even if your spouse has their own vehicle they drive, there may be instances when they need to drive your car.

Additionally, if you don’t drive much, you could save with pay per mile car insurance like Metromile, even if you and your partner drive separate cars.

What To Know About Car Insurance During COVID-19

Metromile is committed to supporting drivers through every mile. We understand the COVID-19 pandemic has created stress and uncertainty, and we’re here to help. We want you to be able to focus on what matters most during this time — the health and safety of you and your family.

Savings as you drive less

We think the best deal is one that you don’t have to ask for. Our community saved approximately 30% on average on car insurance in April just for staying home, and the savings can continue. Savings are built-in when you pay per mile, which means lower bills for driving less. For example, essential and frontline workers save $741 a year on average with Metromile, even as they continue to drive because they pay per mile, according to a survey of new customers who saved with Metromile in 2018.

Coverage when you need it

We understand things happen. Our claims agents remain available 24/7. You can file a claim online, through our app, or by calling us at 888-595-5485. Reach out to us about an existing claim at 888-457-4301 from 6 a.m. to 6 p.m. PT, Monday through Friday.

And if your car breaks down, we’ll be there for you. Repair shops in the Metromile network are open, even as we shelter in place. Our roadside assistance operators are also standing by to help.

Assistance with coverage and payments

We understand that you might be experiencing financial hardship because of COVID-19. We’re making payment relief options, so you won’t lose your coverage if you can’t pay now. If you need any help, we’re here for you at 888-311-2909 and through our Help Center.

We know every bit counts, so we’re not charging late fees or fees for payment extensions during this time.

Get rewarded for helping others

We’re rewarding our community so that you can get paid to help your friends save on car insurance. With each friend who gets a quote from your unique referral code, you will get $25 and could earn up to $100 per calendar year.

Now you can also choose to donate your referral reward to support those impacted by COVID-19. Metromile will donate $25 on your behalf — up to $100 per calendar year — to Direct Relief for each friend who completes a quote using your unique code when you refer someone from the Direct Relief page on our website. Direct Relief is a leading humanitarian aid organization providing medical assistance, including protective gear and critical care medications, in the U.S. and around the world.

Support for the community

We understand that our local communities need us now more than ever, which is why we’re taking steps to support small business owners. If you’re a small business owner or have a favorite restaurant or shop that deserves a shoutout, share it with us for a chance to be included in an upcoming Shop Local with Metromile spotlight.

Support for our New Jersey customers

For New Jersey customers experiencing financial hardship because of COVID-19, we’ve taken these steps for you:

  • We won’t cancel your policy for 90 days from May 1, 2020, if you’re having difficulties paying your bill. (Keep in mind that while you won’t lose your coverage because you can’t pay now, you’ll still be responsible for making these payments.)
    • You may make these payments over the rest of your current policy term or up to 12 months.
  • We’re not charging late fees or fees for payment extensions as we shelter in place.
  • We won’t consider any late payments in rate calculations for future policy terms.

If you need any help, we’re here for you at 888-311-2909 and through our Help Center.

How I Drive: A Turo Host Says He Saves 50% with Metromile Fractional Insurance

Lance C. is a software engineer who lives in the West Loop neighborhood of Chicago. He’s never driven much. Before the coronavirus pandemic, he would bike or take public transit to work. Now, because of COVID-19, he’s driving even less because he’s working from home. He keeps a car for the weekends for weekend getaways, his soccer matches, and errands. He owns three BMWs that he lists on the car-sharing marketplace Turo.

How long have you been a Metromile customer?

I joined Metromile around the beginning of 2020. As soon as Turo notified hosts about the partnership with Metromile, I jumped on it. Insurance can get expensive!

I had been looking for a pay per mile, low-use car insurance for the last two years. I couldn’t find one that fit my situation because other insurers with a pay per mile model would have still charged me for miles driven by Turo guests. That didn’t work because most of the miles being put on my cars are from my Turo guests, not me. Prior to Metromile, I was basically paying double for car insurance — for cars I wasn’t driving.

How do you like your Metromile insurance?

I love my Metromile insurance! It costs me about $20 a car each month. It’s the best thing there is! It’s cut my bill at least in half. It’s just great, and I saved so much money. Even if there are no guests, Metromile provides huge savings when the cars aren’t making money for me on Turo.

The Metromile app is also awesome. I love to see where my cars are parked. I have three cars on the Turo platform, so it’s great to know where the Turo guests park them. I also love the street-sweeping alerts and near real-time billing.

I’d love to see a car unlocking and locking feature, and I’d also like to see an integration that makes it easier and more seamless for Turo guests to share their gas and mileage. Also, add renters insurance, so I can dump my other insurer and bundle with Metromile!

With many people still staying close to home during COVID-19, what changes have you seen with trips taken by Turo guests?

I’m starting to see an uptick in rentals again this summer. People are still renting my cars to run errands like big grocery runs, but they are also driving to visit their families out of town.

Cities like Chicago are conducive to Metromile, and I think there will always be a need for pay-per-mile car insurance. It can take a long time to find parking, so many people are like me: The times you use your car are few and far between.

How I Drive: A Good Samaritan Finds Her Stolen Car with the Metromile App

Jenna M., a Metromile customer of 3 years from Chicago, IL.

Jenna M. is the cousin we all want to have. She moved to Chicago from San Francisco about five years ago for a new job, and coincidentally, so did her cousin. When her cousin fell ill recently, she did a grocery run for him. As she quickly ran the groceries to his door, thieves moved even faster and stole her car. Here’s how Jenna used the Metromile app to help the police find her car within just a few hours.

How long have you been a Metromile customer?

I’ve had Metromile for a while; this is my third year. I work downtown in the Loop, and I don’t drive to work. A friend of mine told me all about Metromile—she was using it—so I looked into it, and I couldn’t believe it. I thought I should definitely do this.

When you say you don’t drive, how often do you drive?

I probably drive a total of 20 miles a week. I use my car on the weekends to go to the grocery store and Target because I live in the city. The more and more I learned about Metromile, I thought, I’m getting this right now!

Recently, you had your car stolen. Can you share how it happened?

It was 7:30 at night, and I‘m dropping off two loads of groceries for a cousin who lives alone in a high-rise. There was no one around, so I pulled my car up to the loading zone in front. My car was off, and I had my keys with me in my pocket, along with my phone. I had to make two trips because it was just me. I make one trip, come back down, and my car is still there, flashers still on. I wasn’t having any contact with him, so it was very quick. On the way back up on my second trip, I had sent my cousin a text “OK, coming back up,” so he could buzz me in. It had been four minutes from the time that I sent the text to the time that I had got back down to the lobby, and my car was gone.

That’s terrible! What did you do next?

I just couldn’t believe it. I came out and was just standing out on the curb. It didn’t even cross my mind that it got stolen. It just didn’t occur to me.

I call the non-emergency number: “I’m just helping out my sick cousin right now, and you towed my car!” The dispatcher told me the city of Chicago is not towing any vehicles right now. The minute she told me that, it just occurred to me: I’m going to pull up my Metromile app! I have “Find my iPhone,” basically, for my car.

What did you find on the Metromile app?

I just sat on my couch all night with my husband watching my car traveling all over the South Side. I see my car just floating down Lake Shore Drive, heading south, south, south! And I couldn’t believe it. It was a very surreal moment. Is this happening to me right now?

I immediately called the cops and explained that I thought my car was stolen. I have a device in it that’s associated with my car insurance, and I know exactly where it is. They were all so surprised. I had to explain what a Pulse was and everything. The police officer said, “Oh, that’s cool!”

Because I knew where it was, they told me: keep watching it. They would send a cop to the last location.

Where did the car go?

I just sat on my couch all night with my husband watching my car traveling all over. They were deep in the South Side of Chicago. The cops told me they’re joyriding, but eventually, they’ll ditch it. I’m just refreshing and pulling the app up. The app shows your gas usage, so I figured once my gas would run out, they would ditch my car.

My car got stolen at around 7:45 p.m. When I started the night, my gas was at 60%, and at this point four hours later, it was at 10%. Finally, the car had stopped moving, and they had turned around close to where they stole it from me. Then, they parked it. It had been stopped for about 15 minutes, and I called the cops right back. At 1 in the morning, I went and retrieved my car. The cops sat there and waited for me. They did a thorough search and helped me disinfect the whole thing, which was nice because of what we’re dealing with right now.

Did anything happen to your car?

I got really lucky. They didn’t do anything to do it. They stole a bunch of things—all my groceries and my daughter’s car seat. I was just glad to have my car back! I guess they just took it for a joyride.

Getting your new Pulse device up and running

Welcome to Metromile! Within 2 weeks of your policy start date, you’ll receive a small, secure device in the mail called the Metromile Pulse device. You’ll receive a Pulse device for each vehicle you’re insuring with Metromile. The Pulse device counts your miles, helps you find your car, and enables you to understand your car’s health. It’s one of the most important parts of your Metromile insurance.

Here you’ll be able to find instructions on how to plug in your Pulse device and some frequently asked questions people have when they’re first getting set up. We want to make sure plugging in your device is easy! If you have any questions, don’t hesitate to contact us by visiting our Help Center

How do I change my shipping address?

You can change your shipping address from your online account under Policy. We can also update your shipping address if you contact us.

How can I track the shipping of my Pulse device?

Once we ship your Pulse device, we’ll send you an email and text with a tracking number. You should receive the device within 7 days of shipment.

What if I didn’t receive my Pulse device in the mail?

If you haven’t received your Pulse device within 7 days of it being shipped, contact us. You can also review the tracking number from your shipping notification email for more information.

How do I connect my Pulse device?

  1. Locate your OBD-II port 

Find the port near your dashboard, pedals, or center console.

  1. Plug in your Pulse device

If the device’s red light is on when it arrives, it may have woken up in transit, but still needs to be connected to your vehicle to count your miles. Wiggle the device into your OBD-II port, making sure it’s plugged all the way in. 

Note: if you have multiple Pulse devices, each device is labeled with the year, make, and model of the vehicle it needs to be plugged in to.

  1. Go for a drive

Take at least a 5 minute drive within 24 hours of plugging in your Pulse device. 

  1. Check for the light

A red light should now be illuminated on your Pulse device, indicating it’s powered up.  

Note: Even if you see the red light before taking a drive, it’s important you still drive your vehicle to make sure it sends us a signal.

  1. You’ll hear from us

We’ll let you know by email and text when we get a signal from your device—this can take up to 1 day.

What if my car doesn’t have an OBD-II port?

We may be able to support some electric cars, such as Tesla vehicles, with an adapter. If you didn’t receive an adapter with your Pulse device and have an electric car or car older than 1996, contact us.

What should I do if I can’t see the light on the Pulse device?

If you don’t see the light on your Pulse device, it may be loose. Try plugging it into your OBD-II port again.

If the device is connected and you don’t see a red light, plug the device into a different car (it’s ok if it’s not yours). If the red light turns on in the new car, the problem is likely your OBD-II port. We recommend checking the fuse or having a mechanic take a look. If you don’t see a red light in the second car, or if your mechanic says your OBD-II port is healthy, contact us.

Is there a deadline for plugging in my Pulse device?

Yes — we’ll let you know when you need to plug in your Pulse device once we ship your device to you. Our devices should arrive within 7 days of shipment, so you’ll have plenty of time to plug yours in. On the day your Pulse device arrives in the mail, look out for an email or text message. This email will have details about how to plug in your device as well as the exact date and time we need to receive a signal from your device.

What if I’m away and can’t plug in the Pulse device when it arrives?

You should receive your Pulse device in the mail within 7 days. If you need more time to plug in your device, contact us, and we can set a grace period for you.

What is a grace period?

A grace period lets us know you’ll be away from your car and won’t be able to plug in your device right away. During your grace period, you won’t be charged fees if we aren’t able to receive a signal from your car’s Pulse device.

What happens if I don’t plug in my Pulse device by the required date and time and don’t have a grace period set?

We want to make sure this doesn’t happen—you can always contact us for help. If you don’t have a grace period set up, each vehicle without a functioning Pulse device will receive a No Signal charge.

What is a No Signal charge?

If we don’t receive a signal from your Metromile Pulse device, we may charge a No Signal fee to cover any miles you may have driven. We’ll send an email to remind you to plug in or troubleshoot your device before we charge the fee. The device must be plugged into your car at all times so that we can accurately measure and bill the miles you drive.

We understand that there are times when you may need to unplug the device, like when you get your car serviced. Don’t worry; it’s ok to remove the device so that the mechanic can access the port. Just be sure to plug the device back in after service is complete.

No Longer Driving Much? Here’s How to Keep Your Car in Good Shape

To say the last few weeks have been a whirlwind would be the understatement of the century. As people all over the world reorganize their lives to cope with the coronavirus pandemic, social lives, personal relationships, and professional responsibilities have been looking a whole lot different than usual. 

One thing’s for sure. Many of us are not driving as much as we do normally. If your company has instituted a work-from-home policy or you’re simply skipping your regular trips to the grocery store or to hang with friends, you may have considered what your car needs to stay in top shape. As we weather the uncertainty of the coming weeks and months, here are some maintenance tips to reduce anxiety in at least one area of your life: 

Park indoors if possible (or use a car cover). To prevent damage from rain, sun, or debris from the environment, keep your car as protected as possible. If you’re lucky enough to have a garage, use it. If not, try to find covered parking, or perhaps consider purchasing a cover to keep your car safe as it sits on the street.

Scrub down the interiors. You already know that proper hygiene and sanitation are of the utmost importance right now — don’t ignore your car in all that cleaning up. Use a disinfectant wipe to clean the steering wheel, gear shift, dashboard, seats, radio, and any other high-touch areas.

Inflate the tires. Tires can lose pressure and generate flat spots when they’re just sitting around. Top them off to the recommended pressure to help prevent this. If you want to be hardcore about it, you can lift the car on blocks or splurge for some “tire savers” small ramps that you park the car on top of to keep the tires rounded.

Start it up once in a while. Even if it’s just a spin around the block or parking lot, it’s good for your car to get warm once or twice a month.

The tips above are a good start if you’ll be driving rarely. If you’re really expecting to not drive at all for a few months, you can go even further:

Change the oil and air filters before putting the car away. Because all kinds of icky elements can accumulate in air filters and used oil (like moisture and metal filings), it’s not a bad idea to fill your engine with fresh oil before putting your car to rest for a long while. 

Consider removing the spark plugs. If you know your car isn’t going anywhere for a long while, you may want to remove the spark plugs. These little devices are responsible for creating the ignition for the combustion necessary to start your car. Over time, spark plugs deteriorate, so removing them can save you some trouble later on, when you’re ready to start driving again.

The most important thing during this time is to stay physically healthy. If you’ve got that covered, make sure you’re taking care of your ride too. And when it comes to your financial health, pay-per-mile car insurance is a great fit for occasional drivers.

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Michelle Konstantinovsky is a San Francisco-based freelance journalist, UC Berkeley alumna, and Metromile customer.

A Few (More) Easy Steps to Take Control of Your Finances

Do you ever feel overwhelmed by your finances? If so, you’re not alone. In a previous article, we covered how to assess your financial situation and put together a budget. Here, we’ll explore some practical ways to get your finances in order.

Current events have added a high level of uncertainty to the mix. The sooner you take charge, the better.

Pay down debt

If your aim is to take control of your finances, it’s hard to imagine anything that stands in the way of that quite like debt. That’s why paying it down should be a priority.

Here are a few tips that may help:

  • Once you’ve made all your monthly minimum payments, put any extra funds toward the debts with the highest interest rates first. For example, credit cards usually have higher rates than student loans. By tackling your highest interest rates first, you minimize the total amount of interest you’ll pay.
  • See where you can cut back on spending. Making your own coffee and canceling subscriptions you don’t use is a good start, but don’t be afraid to get creative and look for ways to save money on necessary purchases. For example, you can take control of your car insurance bill by enrolling in pay-per-mile insurance with Metromile. 
  • If you have good credit, consider asking your credit card company to lower your rate. Or, apply for a card that offers a 0% introductory APR. This way, more of your money goes toward your principal instead of interest.

Automate your finances

Automating your finances might be scary and may even feel counterintuitive — are you really in control if you’re not taking action yourself?

The answer is yes — you are telling the robots what to do, after all. And in many cases, automating your finances is one of the best decisions you can make. When something is unpleasant, like paying a bill or saving (when you could be spending), sometimes it’s best to put as little thought into it as possible. Enrolling in automatic payments or automatically transferring some of your paycheck into a savings account is especially helpful if you tend to spend whatever’s in your checking account. Out of sight, out of mind. 

Just be sure to regularly check up on your accounts so you don’t end up overdrafting. Plus, you’ll want to make sure the robots are actually doing their job.

Save for the future

If you really want control of your financial life, you need to be prepared for the future. This means saving for both emergencies and retirement.

Don’t let fear of what the future holds control your life. While you’ll probably have to sacrifice some of your fun money, saving now is worth the peace of mind knowing you’re covered whenever life happens. Here are a few tips to get started:

Pay yourself first. This basically means transferring a set percentage or dollar amount of your paycheck into a separate account every time you get paid. By socking away money before you get the chance to see it in your checking account, you’ll learn to live off of less — and build a nice rainy day fund in the process. Alternatively, try using an app like Digit, Chime, or Empower, which can help you save money without you having to think about it. A good rule of thumb is to have at least three to six months of living expenses saved for emergencies.

Take advantage of your company match. If your company matches retirement contributions, you should contribute at least the minimum amount required to get their match — otherwise, you’re just losing out on free money! Contributing to a retirement account like a 401(k) or IRA can also help lower your tax obligation, too, so it helps you both today and in the future.

Start! Absent a time machine, the best time to start is now. Time is your friend—just start saving and let compounding returns do the rest.

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Jenna Lee is a content marketer, Oxford comma enthusiast, and cat lover living in the Bay Area. 

7 Ways to Disinfect Your Car

If you, like me, cringe every time you hear one of those studies about how disgusting an everyday item is, then brace yourself: your car probably isn’t the pristine safe haven you think it is. According to one study, the average steering wheel is four times dirtier than a public toilet seat. The cup holder, seat belts, and door handles aren’t too much cleaner. 

Now more than ever it seemed timely to offer some tips on keeping your car extra clean. Of course, we support driving less in general — and especially so these days — but if you have to get out and about we suggest a clean ride.

Here are some must-know tips to disinfect your vehicle:

  1. Sanitize, sanitize, sanitize. You already buy those handy disinfectant wipes for the surfaces in your home — why not keep a spare box handy in your trunk? Wipe down the steering wheel, gear shifter, handles, and any other surfaces in your car that get a lot of attention. 
  2. Don’t wait to clean up messes. Most of us are guilty of snacking or full-on dining in the driver’s seat from time to time. But some research indicates that food spilled on a dashboard has 10 times the bacteria than the seat belt or radio dial, so make sure you promptly clean up any soda spills, sandwich crumbs, or other food-related deposits. 
  3. Shampoo and vacuum the upholstery. It’s one of those tasks we often ignore, but vacuuming the upholstery in your vehicle can make a big difference in removing dust mites, food crumbs, and all sorts of icky substances that can get you sick.
  4. Replace the air filter. Spraying disinfectant into your intake vent and replacing your old air filter can help weed out some of the germs circulating in the cabin of your car. 
  5. Roll the windows down from time to time. Viruses love stale, stagnant air, so do your best to prevent those conditions in your car. Roll down the windows when you can and let some fresh air waft through.
  6. Take a mop to the mats. Think about it: your feet, which drag on all kinds of sidewalk gunk and street junk, rest on your car mats. Shouldn’t you make it a point to clean those every once in a while? Taking them out and mopping or spraying them can help clean up some of the mess.
  7. Clean your keys too. Your car keys see a lot of action, whether they’re buried in your backpack or jammed along with discarded tissues into your pocket. Get in the habit of wiping them down with sanitizer too.

Stay safe and stay healthy — in and out of your car! We’re available as usual for pay-per-mile insurance quotes, customer support, and to take care of our customers’ claims.

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Michelle Konstantinovsky is a San Francisco-based freelance journalist, UC Berkeley alumna, and Metromile customer.