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Why Is Car Insurance So Expensive, Explained

You’re reviewing your monthly expenses and combing through the list and aside from food and housing, there’s one number that jumps out at you — your car insurance. If you’ve checked your car insurance bill and wondered “Why is my car insurance so high?!”, there are a variety of reasons. Read on to learn what factors make up your car insurance rate and why your car insurance might be expensive.

Why is My Car Insurance So High? | Metromile

The type of car insurance you have 

If you look at your bill and let out a deep sigh and think “Why is car insurance so expensive?” it might have something to do with the type of insurance you have. 

Traditional car insurance rates take into account a number of factors that we’ll go over later, but you typically pay a standard monthly premium. You pay the same amount regardless of how much you drive. 

In many cases, that doesn’t make the most sense. When you drive more, you’re taking on more risk. But the converse is also true. If you drive less, you take on less risk and there is less wear and tear on the vehicle. Given we’re in pandemic times and many people have made the shift to working from home, you might be driving less than you ever have. Why wouldn’t you want to be rewarded for that?

The good news is you can be if you use pay-per-mile auto insurance. Pay-per-mile auto coverage with Metromile offers you the ability to pay a low base rate each month while paying just several cents for each mile you drive up to 250 miles per day. You pay for gas by the gallon, why not pay for insurance based on the miles you actually drive and not for anything more? 

Using Metromile, on average customers have saved $741 per year*. Imagine putting that money in the stock market, toward your student loans, or for a fun vacay. The type of insurance you have can heavily impact how much you pay for car insurance. 

Your location 

You know the saying “location, location, location” when it comes to real estate evaluations? Your location and where you live affect not only real estate values but also your car insurance. 

Consider how where you live might add additional risk factors that play into your car insurance rate. For example, do you live in a congested, population-dense city where the streets are narrow, parking is hard to come by, and break-ins are fairly commonplace? Or do you live somewhere more rural, where the streets are wide, there are more covered garages, and fewer instances of theft and damage? The weather where you live may also impact the rate as well. 

As you can see, there are many factors that are location-dependent that ultimately affect your car insurance rate. Car insurance providers use data from your zip code to make risk assessments about your area. 

How old you are 

In some cases, you might think age is “just a number” but that’s not the case when it comes to car insurance. If you’re a younger driver, you’re much more likely to have a higher car insurance premium compared to someone with more years of experience under their belt. 

Why? Well, it comes down to experience and risk. As a younger driver, you have less experience on the road and have a higher likelihood of an accident. In fact, according to CDC data, car accidents are the second leading cause of death for teens in the United States. 

The risk of dying in a car accident is about three times higher for teens ages 16 to 19 compared to drivers who are 20 and older. Teen male drivers within the 16 to 19 age group were two times more likely to die in a car accident compared to female drivers. On top of that, the risk of a car accident is higher for teens within the first few months of getting a driver’s license. 

Your driving history 

If you’re scratching your head thinking “Why is car insurance so expensive?” the first thing you want to consider is your driving history. Your driving history, or driving record, may play a big role in your car insurance rate. 

For example, if you have an at-fault accident or a speeding ticket on your record, that can affect how much you pay for car insurance. In fact, the financial site states that drivers can see an average car insurance premium increase of 38% after an at-fault accident. 

If you have a DUI or DWI, that number could be even higher. If you have many back-to-back incidents, your car insurance provider may even drop you, according to the Insurance Information Institute (III). 

The type of coverage you have 

When you get car insurance, there are different types of coverage you can get. For example, if you get comprehensive coverage and collision coverage, that will be at a higher price than liability only. Comprehensive, collision and liability in one policy can protect your finances in case of an accident. 

Those policies are higher priced because they cover more and help recoup costs for damages you may incur in case of an accident. Typically, you simply pay the car insurance deductible and your car insurance provider covers the rest. 

According to financial site, liability coverage is on average 64% lower on its own than when combined with collision and comprehensive coverage. Most states require minimum liability coverage. While that may be more affordable, you also get what you pay for. So if you get in an accident, the financial burden may fall mostly on you. 

 Credit-based insurance score 

Your credit score and credit report aren’t just for applying for a loan or credit card. In fact, some states allow use of your credit information as a factor when determining car insurance premiums as part of creating a credit-based insurance score. The reasoning is that those with poor credit or no credit typically have a higher likelihood of filing a claim, according to the Insurance Information Institute. 

If you think this is an unfair metric to determine credit-based car insurance scores, there are some states that agree and have banned the use of credit scores in some capacity as it relates to car insurance. 

If you’re not in those states, the best way to boost your credit score is to make payments on your loans on time and in full, when possible. Some states may not use your credit score to set the car insurance rate but may have restrictions based on whether your policy can be canceled or non-renewed due to your credit. 

Your car’s make and model 

Do you dream of driving a corvette or mustang? You may end up paying more for car insurance because of it. In fact, your car’s make and model affect your car insurance rate. All of these factors play into the safety of the vehicle as well as how likely they are to get stolen. 

Cars that tend to be fancier and more expensive also have higher rates, as do newer cars and electric cars. So if you’re thinking of buying a car, you might want to consider how the make and model will affect your car insurance rate. 

Your insurance record 

If you want to know why is car insurance so expensive, you also want to consider your insurance record. Having car insurance is important as a driver. If there are gaps in coverage, even for a short period of time, it may impact your car insurance premium in certain states. If you switch car insurance providers, make sure there isn’t a lapse in your car insurance coverage. 

The number of miles you drive 

Do you drive a lot? That could impact your car insurance premium as well. Every time you get on the road, you’re gambling a bit with safety. The more miles you drive, the more risk you have which insurance providers have to take into account. 

When you sign-up for car insurance, you might have to provide the number of miles you drive per year which can affect your rate. If your mileage shifts, it makes sense to contact your car insurance provider. If you don’t drive that often, pay-per-mile insurance can make a lot more sense for your budget.

The bottom line 

If you’ve ever wondered “Why is my car insurance so high?” now you know there are many factors that affect how costly your premium is. There are some things that are out of your control but there are other things you can do to make car insurance more affordable. If you’re a low-mileage driver, check out pay-per-mile auto insurance. Don’t pay a penny more than you need to and only pay for the miles you drive, along with an affordable base rate. Get your free quote today.

​​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.

*Average annual car insurance savings by new customers surveyed who saved with Metromile in 2018.

Uninsured & Underinsured Motorist Coverage in California: What You Should Know

While most states have minimum requirements for auto insurance, sometimes the coverage isn’t enough. Not every driver may be insured or have enough coverage. According to a 2021 study by the Insurance Research Council, one in eight drivers were uninsured.

Uninsured and underinsured motorist coverage can help protect you if you get into an accident with a driver who doesn’t have liability coverage or is underinsured. Here’s what you need to know about the car insurance coverage in California.

Why uninsured motorist coverage California is important?

California has minimum auto insurance requirements for every driver on the road. The minimum liability coverage in California is:

  • $15,000 to cover the injury or death of a single person
  • $30,000 to cover the injury or death involving more than one person or per accident
  • $5,000 to cover property damage

But that doesn’t mean everyone is insured. It is estimated that 16.6 percent of motorists in California are uninsured, according to the Insurance Research Council. So, when these uninsured motorists in California end up getting into an at-fault accident, things can get messy. 

To help combat this issue, California car insurance providers must legally offer uninsured motorist coverage and underinsured motorist coverage. You can decline these coverages by signing a waiver, though that might not be the best idea. 
You can opt for uninsured motorist bodily injury, which covers medical costs for you as well as any passengers if an uninsured or underinsured motorist hits you. There’s also uninsured and underinsured motorist property damage, which covers the cost of physical damages to your vehicle after an accident.

Is uninsured motorist coverage in California required if I have health insurance?

If your primary concern is potential medical costs after an accident with an uninsured driver, you might wonder if you need uninsured motorist coverage in California if you already have health insurance. 

While health insurance can help lower costs and provide care, health insurance can also have pricey deductibles and copays. On top of that, your health insurance may not cover all the services you might need after a car accident, such as a chiropractor. 

Getting uninsured motorist coverage in California can help ensure you get access to the funds necessary for your health and wellbeing.

Getting the right amount of uninsured motorist coverage in California

If you’re considering uninsured motorist coverage or underinsured motorist coverage in California, you probably want to know just how much you need or what is the “right” amount. 

According to the California Department of Insurance, uninsured motorist bodily injury limits are equal to your liability coverage limits. If you get general underinsured motorist insurance, you’ll be covered for a limited amount if there is bodily injury due to an accident with someone who doesn’t have enough coverage to cover all the costs. 

Uninsured motorist property damage coverage in California offers up to $3,500 to cover vehicle damages due to an accident with another driver who is at-fault and doesn’t have insurance. It’s important to note that if you have collision coverage, you may not need this. On top of that, this coverage pays out only in cases where the driver is identified. So, if they drive off in a hurry, you may be out of luck if you’re involved in a hit-and-run accident.

How underinsured and uninsured motorist coverage in California works?

Let’s say that you’re on the road and get T-boned by another car. It’s not your fault, but there are major damages to your car, and you want to get your neck checked out. You have car insurance, but the other driver doesn’t. 

If you have uninsured motorist bodily injury insurance, and the driver has no coverage, your medical bills and any passengers’ will be paid for up to your overall coverage limit. The same goes for uninsured motorist property damage coverage in California. 

If the other driver is underinsured and can’t cover all the costs, both the uninsured motorist bodily injury and uninsured motorist property damage coverage can pay the difference for your medical bills and car repairs if the other party’s insurance doesn’t cover all the costs. 

For example, the other driver could have minimum liability coverage of $30,000 for injuries to more than one person. Let’s say your hospital bill is a whopping $55,000, and your car repairs that are required to fix your car total $25,000. The total cost of the accident is $80,000, but the other person only has $30,000 in coverage. When you have underinsured and uninsured motorist coverage in California, you can get help covering that difference. 

With Metromile, you can file a claim with the Metromile app soon after the accident. If you purchased underinsured and uninsured motorist coverage, and your claim is approved, a check will be on its way to help cover the costs to repair any damage to your car or other eligible expenses.

Other ways to recoup costs if an uninsured motorist hits you

If an uninsured motorist hits you, your health insurance plan may cover costs related to your healthcare. If you have uninsured motorist coverage, your health insurance is legally entitled to any proceeds from the policy as part of something referred to as subrogation

One option to consider is medical payments coverage, sometimes referred to as “med pay,” which covers the cost of any injuries regardless of who is ultimately found at fault. These payments aren’t part of subrogation, but you should know that the limits may not be as extensive as you need. 

Your best bet is to get uninsured motorist coverage. You can also look into an umbrella insurance policy for additional coverage and protection. If needed, you may want to consult with a lawyer or financial advisor for additional support navigating your situation.

The bottom line

Getting into an accident can be jarring and frustrating. Uninsured and underinsured motorist coverage can help cover costs if you have to deal with an uninsured motorist or someone without enough coverage.

Metromile offers uninsured and underinsured motorist coverage so that you can stay protected.

Many drivers save money when they switch to Metromile and pay-per-mile auto insurance. Drivers can save $741 a year, according to a 2018 survey of new Metromile customers who saved, and they don’t have to sacrifice their coverage or experience. You can get a free quote to see whether you might save and how much uninsured and underinsured motorist coverage costs to add to your policy.

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.

Do You Need Insurance to Register a Car?

If you want to drive a car, you’ll need to register your car. Car registration and auto insurance are crucial must-haves for drivers and are typically required by most states, though the exact requirements can vary.

Here are the states and territories where you need proof of insurance so you can finally answer the question: “Do you need insurance to register a car?”

Do You Need Insurance to Register a Car - State guide

Does your state require insurance to register your car?

State or TerritoryDo you need insurance to register a car? 
Alabama Yes
Alaska Yes 
Arizona No, you can register without but must get insurance within 30 days of registering 
California Yes
Colorado Yes
Connecticut Yes
Delaware Yes
Florida Yes 
Georgia Yes
Hawaii Yes
Idaho Yes
Illinois Yes
Indiana Yes
Iowa No, you can register without insurance but must have minimum liability coverage to operate the vehicle
Kentucky Yes
Louisiana Yes
Maine Yes
Maryland Yes
Massachusetts Yes
Michigan Yes
Minnesota Yes
Mississippi No, you can register without insurance but must have minimum liability coverage to operate the vehicle 
Missouri Yes
Montana Yes
Nebraska Yes
Nevada Yes
New Hampshire No, insurance isn’t required to register and isn’t mandatory but strongly encouraged 
New Jersey Yes
New Mexico Yes
New York Yes
North Carolina Yes
North Dakota No, you can register without insurance but must have minimum liability coverage to operate the vehicle
Ohio Yes
Oklahoma Yes
Oregon Yes
Pennsylvania Yes
Rhode Island Yes
South Carolina Yes 
South Dakota Yes
Tennessee No, you can register without insurance but must have minimum liability coverage to operate the vehicle
Texas Yes
Utah Yes
Vermont Yes
Virginia Yes 
Washington, D.C. Yes
West Virginia Yes
Wisconsin No, you can register without insurance but must have minimum liability coverage to operate the vehicle
Wyoming Yes

Not all states require insurance and registration at the same time

You must have auto insurance before registering your car in most states and territories in the U.S.

Some states, such as Arizona, Iowa, Mississippi, New Hampshire, North Dakota, Tennessee, and Wisconsin, don’t require drivers to have auto insurance before registering a car, but generally, drivers need insurance. However, it’s a wise idea to get liability insurance and other insurance coverage, as New Hampshire drivers must show “proof of financial responsibility.” 

Car insurance is a good idea, as it can help protect your finances, vehicles, and wellbeing. In New Hampshire, drivers will have to deposit $25,000 to $50,000 with the state treasurer to avoid purchasing a car insurance policy. If you don’t have that kind of money lying around and live in New Hampshire, getting auto insurance and keeping it current is a good idea.

The bottom line

Even if your state or region doesn’t require you to have auto insurance to register a car, having a car insurance policy with adequate coverage is a good idea to protect yourself and others.

Many drivers choose pay-per-mile auto insurance from Metromile. Drivers can save 47% a year on average, according to a 2018 survey of new customers who saved, without sacrificing their coverage or experience.

You can see if Metromile is right for you before switching with the free Ride Along™ feature. Download the Metromile app from your favorite app store and drive as you usually do for about two weeks. (Make sure to keep your current insurance policy to keep your coverage during the trial.) 

After your Ride Along, you’ll see how much you could save based on your actual driving, and in some states, earn an additional discount of up to 15% off your initial quote for demonstrating safe driving during your trial.

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.

Why Pay-Per-Mile Auto Insurance May Be a Good Choice for Military Members

Military Pay Per Mile car Insurance | Metromile

If you’re a military service member, you have a unique set of considerations. You could be deployed, need to relocate frequently, or store your car when you’re away. We hear you and understand this can make managing your bills and insurance coverage tricky.

The good news is there are military car insurance options that may be a good fit for you. Here’s what military service members should know about auto insurance.

Who is considered a military service member?

Many auto insurance companies offer military discounts on car insurance or specialized military car insurance policies. 

Military service members may be able to take advantage of these savings. In some cases, insurance companies might extend any benefits, discounts, or eligibility to family members or former military service members, including veterans. 

To qualify for most military car insurance, you typically must have an affiliation with one of the following branches of the Armed Forces:

  • Air Force
  • Army
  • Coast Guard
  • Marine Corps
  • Navy

If you work in or are affiliated with one of these branches, you likely qualify for military car insurance. Drivers who are affiliated with the National Guard, Space Force, reserves, or other areas of the U.S. Department of Defense may also be eligible.

Can you get a military discount car insurance option?

If you’re looking for military car insurance, you might have encountered higher-than-expected costs. 

Because military service members may not use their cars as much as other drivers, especially when deployed, military car insurance rates may sometimes be higher than other types of car insurance.

When looking for car insurance coverage, military service members should consider many options and see what insurance companies can offer a military discount for car insurance.

Consider pay-per-mile auto insurance as an alternative

Because you likely won’t be driving much, you may want to consider pay-per-mile auto insurance

Pay-per-mile auto insurance is a usage-based car insurance, which means your rate is primarily based on how you use your car. If you don’t drive long distances or often, you could save hundreds of dollars compared to traditional car insurance policies.

How much could Metromile save me on car insurance?

Metromile offers affordable auto insurance coverage.

Drivers pay a low monthly base rate each month to keep their car covered, even when they aren’t driving. Then, they pay a few cents for each mile they drive.

Drivers can save 47% a year on average when they switch to Metromile, according to a 2018 survey of new customers who saved with Metromile.Depending on how much you drive, you could stand to save even more. Savings of about $1,000 or more a year are not uncommon with Metromile’s pay-how-you-drive auto insurance:

Pay per mile savings explanation
* Average annual car insurance savings by new customers surveyed who saved with Metromile in 2018.

5 reasons why pay-per-mile car insurance makes sense for military personnel

Searching for military car insurance can be a hassle, but it doesn’t have to be.

It’s possible to find a low auto insurance rate without sacrificing your coverage or experience. Here are five reasons why pay-per-mile auto insurance could make sense for military service members:

1. You pay for the miles you drive.

Military service members and their families are often on the go and might not use their cars for long periods of time. If your vehicle spends more time in your garage or storage than on the road, you don’t need to pay more than you have to for auto insurance.

Pay-per-mile car insurance helps keep your bill reasonable, as you’ll pay for what you actually use.

2. All miles over 250 per day are completely free.

Pay-per-mile auto insurance can help you avoid bill surprises.

At Metromile, all miles over 250 in a single day (150 miles per day in New Jersey) are free. This bonus can help you keep costs manageable, even if you decide to drive more than you ordinarily would.

3. You can personalize your coverage from a variety of limits and deductible options.

Pay-per-mile auto insurance offers the same types of coverage as traditional insurance, including liability protection, comprehensive coverage, collision coverage, medical payments coverage, personal injury protection, roadside assistance, and more.

You can also adjust the limits and deductibles to help protect your vehicle, finances, and wellbeing.

Metromile gives you the opportunity to choose the type of auto insurance that’s right for your lifestyle, which can come in handy for the military lifestyle.

4. The claims process is simple.

Filing an insurance claim can be stressful, which isn’t helpful after a car accident. The claims process can be easy, even if you have a pay-per-mile auto insurance policy.

Metromile, a leading pay-per-mile insurer in the U.S., makes it easy for you to file a claim. You can file a claim 24/7 on the phone or online on the Metromile website or app.

Drivers have access to our AI claims assistant AVA, which can help guide you through the claims process from submitting photos of any damage, collecting other information, and submitting a claim. Some claims can also be automated end-to-end, which means your claim could get resolved more quickly.

5. You can access important data.

Pay-per-mile auto insurance policyholders typically have access to their past driving and trip data for as long as they are customers.

Drivers who have pay-per-mile auto insurance coverage with Metromile can access smart driving features for free through the Metromile app.

Metromile customers can set up alerts to avoid parking or street-sweeping tickets in select U.S. cities, check on their car’s health, locate their car if it’s ever lost or stolen, and review their fuel use and past trips with the gas and trip planners.

The bottom line

Military service members deserve flexibility for their lifestyles, and pay-per-mile auto insurance can help provide the right coverage.

Pay-per-mile auto insurance can also provide a lower rate than military discounts on car insurance because drivers pay for how far they drive.

You can try Metromile to see if pay-per-mile auto insurance is right for you. Download the Metromile app from your favorite app store and take a free Ride Along™

You’ll drive for about two weeks as you typically would (you should keep your current insurance policy to keep coverage during the trial), and then Metromile will tell you how much you could save if you switch insurance companies. You can even earn an extra discount of up to 15% off your initial Metromile quote if you show you’re a safe driver during your Ride Along™ in select states.

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 to Avoid the Most Common Types of Car Accidents

How to avoid car accidents | Car from behind

Being a safe driver means always being on the lookout for any potential dangers or threats that come your way when you’re on the road. 

It’s essential to stay aware while driving, as conditions could change in a matter of seconds.

Consider these safety tips to help you reduce your risk of some of the most common types of car accidents.

1. T-bone accidents

T-bone accidents occur when one vehicle is hit on the side by the front of another vehicle. They typically happen at street intersections and are, unfortunately, very common. 

The name T-bone accident refers to the T-shaped position the cars might make after a collision. It is sometimes also referred to as a broadside collision. 

It’s important to recognize who has the right of way at an intersection. This knowledge can help prevent T-bone accidents. 

Pause when crossing an intersection to make sure other drivers are honoring their stoplights or stop signs. Make sure you’re aware of any stop signs and stoplights and follow the right of way.

2. Rear-end accidents

When you get hit by a car behind you, you’re getting rear-ended. Rear-end accidents are fairly common and can often occur from distracted driving or not braking on time. You may be more likely to be rear-ended in traffic or if you change lanes quickly and someone doesn’t see you.

To avoid hitting someone else:

  1. Make sure you pump the brakes with plenty of time and distance between you and other vehicles.
  2. Always put your turn signal on when changing lanes.
  3. Avoid distracted driving. You shouldn’t be texting, eating, or driving under the influence.

Rear-end accidents happen, and sometimes it’s not your fault. However, to stay safe and avoid the risk of rear-end accidents, it can pay off to be aware of the driver behind you. You could take some defensive driving steps if they’re getting too close or you notice they’re not paying attention.

3. Accidents with animals or debris

Not all car accidents have to involve another car. Accidents involving animals or debris are rare, but they could happen. For example, you could hydroplane and hit a tree if it’s raining or snowing, which can cause you to lose control and hit a tree or other debris. You may also unexpectedly hit wildlife or an obstacle on the road.

Be aware of your surroundings and try to drive at a reasonable speed. Driving at high speeds is dangerous because you have less time to react to an obstacle or change on the road. It also takes time for your vehicle to stop or turn away if you’re speeding, which adds to the risk of an accident.

It is also helpful to have the right tires for the weather and take other precautions if the weather is bad, the road conditions are poor, or if you’re unfamiliar with the area where you’re driving.

4. Accidents while parked

You don’t need to be driving to get involved in a car accident. Your car can be hit by another car while it’s parked.

Take proactive steps to help avoid accidents while parked. Start by trying to avoid parking spots on busy streets and intersections. Congested roads can increase the likelihood of your car getting sideswiped or hit.

You should also ensure there’s enough distance between you and any other vehicles when you park. Don’t try to squeeze into a tight parking spot. If your vehicle doesn’t have some buffer space, your car could get hit when you try to exit your space or when other people try to get out. 

Parking your car in a parking lot or garage could help you avoid accidents while parked. Parking lots often have painted lines and other buffer areas that make parking a bit easier and less risky.

5. Objects damaging the windshield

Don’t forget about environmental hazards when driving. For example, rocks or other debris could fall and damage your windshield or tires when driving near a mountain. Your car could also be damaged or hit if you’re driving too close to another vehicle and debris falls or is ahead on the road.

Try to drive on the outer lane if you’re near a mountain or rocky area, and most importantly, drive slow so that you give yourself enough time to react to the environment and what other drivers are doing.

6. Reverse or backup accidents

When you reverse or back up, there’s a risk of hitting another vehicle or object if you’re not careful. To help avoid these types of accidents, use your backup camera or rearview mirror for guidance. You should also remember to look over your shoulder to make sure you have enough room and watch out for any objects, people, or vehicles behind or around you. 

It would be best if you also considered backing up slowly so that others can also see you.

Make sure to avoid your phone or anything else that distracts your complete attention.

The bottom line

Driving can be risky, but it doesn’t have to be dangerous. You can take steps to protect yourself and others when you’re behind the wheel to avoid a car accident. Whenever you get into your vehicle, it’s important to be aware of your surroundings, spend your full attention on the road ahead, and drive at a reasonable speed.

Having the right auto insurance can also help you stay safe when driving.

Metromile provides pay-as-you-drive auto insurance. Drivers pay a monthly base rate to help keep their car covered and then a few cents for each mile they drive. Discounts are also available for demonstrated safe driving.

You can see if Metromile’s pay-per-mile car insurance is right for you by taking a Ride Along™.  Download the Metromile app and let us ride along for 17 days. After your trial, we’ll show you how many miles you drove and how much money you might save if you switched. Drivers can also earn up to an additional 15% off their initial auto insurance quote for demonstrated safe driving in select states.

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.

Washington State Banned Credit Scores. Here’s What This Means for the Price You Pay for Insurance

Washington credit based insurance score

If you’ve been waiting to shop for a better auto insurance rate, you might be in luck. Drivers in Washington state could start to pay less to insure their cars beginning June 20, 2021.

After June 20, 2021, insurance companies will no longer use credit scores to set rates for auto insurance and homeowners or renters insurance in Washington state.

The Washington state Office of the Insurance Commissioner issued an emergency rule in March 2021 to temporarily ban insurers from considering credit history to determine premiums and eligibility for personal property insurance. The new rule is in effect for three years after the coronavirus pandemic is declared over.

Because of this change, many drivers (and homeowners or renters) could see new insurance premiums. 

Drivers who may have previously received a lower rate because they have a strong credit history could now see their auto insurance premiums increase because of the credit score ban. The opposite is true, too: Drivers may be due for lower auto insurance premiums if they have a lower credit score.

Who will be impacted by Washington state’s credit scoring ban?

Washington state’s credit scoring ban will impact nearly all of the state’s residents with personal auto, homeowners, or renters insurance. 

About 200 companies are licensed to sell auto, homeowners, and renters insurance in the state, and according to the Washington state Office of the Insurance Commissioner, 97% of these insurance companies recently filed new rates to comply with the order.

The Washington state insurance regulator reports about 1.3 million people should expect a change in the premiums they pay for auto, homeowners, or renters coverage over time. 

Depending on someone’s credit history, this might mean someone might have to pay more or less for their insurance coverage when they renew their policies for another term.

How do insurance companies use credit scores?

Some insurance companies might use a credit score as one factor to determine the rates they charge, often in addition to other factors.

Auto insurance companies sometimes consider a credit-based auto insurance score as one factor to set premium prices. If auto insurers consider credit, they might use it alongside factors such as a driver’s experience or history, accident or claims history, the type of car driven, or how far someone typically drives.

Additionally, insurance companies sometimes use similar credit scores for homeowners and renters insurance.

Which states have credit scoring bans for insurance?

Washington state is not the first state to restrict insurance companies from using credit-based insurance scores.

California, Hawaii, Maryland, Massachusetts, Michigan, Oregon, and Utah forbid insurance companies from using credit-based scores or someone’s credit history to set rates or make some underwriting decisions, such as canceling a policy, refusing coverage, or renewing a policy, for auto or homeowners insurance. 

Other states have temporary bans or are considering similar restrictions.

Why do insurance companies use credit scores to determine premium costs?

Insurance companies use different types of data to help make sure the premiums they charge are fair for consumers. They might use someone’s credit history as an additional data point to ensure their premiums are competitive and predictive of someone’s insurance risk. 

Credit-based insurance scores are designed to help insurers predict the risk of accidents or other claims.

What can I do to make sure I have a fair insurance rate?

Some consumer groups believe Washington state’s decision to ban credit scores is a step in the right decision to ensure insurance is fairer for more people. 

You can also take steps on your own to get an equitable insurance rate.

Pay-per-mile auto insurance considers how someone actually uses their car, notably how far someone drives or whether they drive often. As a result, drivers can earn and pay fairer auto insurance rates.

Most car insurance companies charge drivers a flat rate for coverage each month or policy term. This approach to pricing can be problematic as it might not consider lifestyle changes as they occur, like if someone starts to work from home more often or replaces their driving with car-sharing, ride-sharing, or public transportation.

With pay-per-mile auto coverage, sometimes called pay-as-you-go or pay-as-you-drive insurance, drivers pay a low monthly fee to help keep their car covered and then a low per-mile rate, usually a few cents for each mile driven. Sometimes, there are caps on the miles charged. For example, Metromile doesn’t charge its customers for miles driven over 250 miles (or 150 miles in New Jersey) in a single day.

Is pay-as-you-drive auto insurance a good alternative?

Metromile, a leader in pay-as-you-drive auto insurance, uses technology to accurately and securely bill someone for the miles they drive. The company also uses this technology, sometimes called telematics technology, to understand someone’s driving behavior, such as how many miles are driven, the speed, or how drivers brake or make their turns.

If you’re not sure if Metromile or pay-per-mile is right for you, you can take a Ride Along™ trial for free. You’ll keep your current insurance provider but download the Metromile app and let us ride along so we can learn how you typically drive.

The Metromile app will let you know how many miles you drive and how much you might save if you switched to Metromile at the end of your 17-day trial. If you demonstrate you’re a safe driver during the trial, you could also save up to an additional 15% off your initial quote in select states.

Metromile also uses information from its telematics technology to determine if someone might qualify for additional discounts for safe driving or help drivers find their car if it’s ever lost or stolen and check on their car’s health.

The bottom line

Washington state recently banned insurance companies from using credit scores to determine how much someone should pay for auto, homeowners, or renters insurance. The state hopes the new rule will make insurance rates fairer for more people.

You can take steps to get fairer insurance, even if you don’t live in Washington state or another state that bans the use of credit.

Drivers can choose a pay-per-mile car insurance policy, like Metromile, to help save money. According to a 2018 survey of new Metromile customers who saved, drivers who switched to Metromile saved an average of 47% a year. Most people are low-mileage drivers who don’t often drive or, more importantly, don’t drive long distances and could save with pay-as-you-drive coverage.

What is Usage-Based Insurance?

Usage-based insurance considers how you drive to help determine the price you pay for auto insurance. If you are a safe driver or don’t drive a lot, it could be right for you.

If you’re in the market for auto insurance, you may have come across usage-based auto insurance and wondered how it compares to other types of auto insurance. 

Here’s everything you might want to know about usage-based auto insurance, which is sometimes also called pay-as-you-go, pay-as-you-drive, or pay-per-mile insurance

What is usage-based car insurance? 

Usage-based car insurance, sometimes abbreviated as UBI, calculates the price you pay for auto insurance based on how you actually use your car. The policies are generally opt-in, although there are some insurance companies such as Metromile that specialize entirely in usage-based auto insurance.

Drivers may want to choose a usage-based insurance company to save on auto insurance.

Usage-based insurance typically favors drivers who don’t get on the road often, as well as people who drive carefully or safely. Because your insurance company can consider how you drive, usage-based insurance can be fairer for drivers. Many traditional auto insurance companies use factors such as age, gender, and even credit history in some states, without considering how you drive in real-time, which might not accurately represent whether you are a risky driver.

What factors does usage-based insurance consider?

As the name suggests, usage-based insurance considers how you use your vehicle. The most common types of usage-based insurance pay-as-you-go, pay-as-you-drive, and pay-per-mile insurance all consider the number of miles you drive. If you drive less often or stop driving, you can lower your costs for auto insurance.

Some other usage-based insurance also looks at how you drive to determine if you are a risky or safe driver. Risk factors often considered include speed, acceleration, braking, and even when you drive. All of these factors can indicate more risk. For example, an insurance company might consider you a risky driver if you drive at high speeds or often drive at night when the visibility is lower. Some telematics devices and technology can also assess whether you’re using your phone while driving or how you maneuver your vehicle on the road.

Usage-based insurance gives drivers control over their rates by focusing on factors they can influence. The factors considered can make for auto insurance that is more driver-focused.

In contrast, traditional auto insurance companies often don’t consider these factors when determining your rates. They may also use factors like gender or use your credit score to assess risk, which can be unfair. For example, states like California, Hawaii, Massachusetts, and Washington state have plans to disallow or don’t currently allow insurance companies to use credit history when setting the cost of car insurance.

Who is usage-based insurance a fit for?

Usage-based auto insurance is ideal for people who don’t drive that often or too far. The pay-as-you-go model can help you avoid pricey car insurance bills. Chances are usage-based insurance is a fit for you: 65 percent of drivers with traditional auto insurance may be overpaying for their coverage because they’re low-mileage drivers

Aside from low-mileage drivers, usage-based insurance is also a good fit for safe or careful drivers. With usage-based insurance, it’s easy for insurance companies to gauge how safely you drive and set an appropriate rate for you or offer discounts on car insurance

How does usage-based insurance work?

Many usage-based insurance companies use technology, including telematics devices, to understand your vehicle’s movement, speed, and how far or how often you drive. You’ll generally need to connect a device to your car’s onboard diagnostic port (OBD-II port). However, you might be able to use your insurance company’s smartphone app or your car manufacturer’s online account if you drive a connected vehicle.

Metromile provides drivers with a Pulse device that securely and accurately counts the miles they drive. The Pulse device also offers other benefits, including automated claims and free tools to help you find your car, plan your trip, look up fuel costs, and even get street-sweeping reminders in select cities directly from your mobile phone. 

Some usage-based insurance companies may have similar devices or use a smartphone app to monitor your driving.

Some usage-based insurance policies might charge for insurance after each trip you drive. Metromile takes a different approach. Metromile auto insurance policies have six-month terms, and you’ll keep the same per-mile rate for the entire term. 

In some states, Metromile also considers how you drive, and unlike some other usage-based insurance, doesn’t consider individual trips or instances of speeding, hard braking, or cornering. Instead, how you drive over time is considered more important and used to determine your rate when you renew your policy. This also means you could earn a lower rate when you renew or sign up after your Ride Along™ trial. 

Privacy concerns for usage-based insurance

When you have a usage-based insurance policy, you agree to let your insurance company monitor how you drive. It’s important to understand how your usage-based insurance company will use any data.

There’s some good news if you’re interested in usage-based car insurance and concerned about your privacy: Metromile allows drivers to disable their location services without affecting the price they pay for their auto insurance coverage.

Discounts available for usage-based insurance

If you opt for usage-based car insurance, you may be able to score some serious savings. On average, Metromile customers save 47 percent a year compared to what they were paying previously with traditional auto insurance, according to a 2018 survey of Metromile customers who saved. And it started by switching to pay-per-mile auto insurance. 

Metromile customers save on car insurance when they drive less.

* Average annual car insurance savings by new customers surveyed who saved with Metromile in 2018.

The bottom line 

If you’re ready for a change or looking for a new way to save, you might want to look into usage-based insurance. Safe drivers and people who don’t drive a lot can save with Metromile and its usage-based auto insurance coverage.

If you’re not sure if usage-based insurance or pay-as-you-go auto insurance is right for you, you can take a free trial before you buy with Metromile and Ride Along.

Download the Metromile app and get a free auto insurance quote with Ride Along. You’ll then drive as you typically would for about two weeks (you should keep your current insurance policy to keep coverage during your trial). Once your trial period is complete, you can save up to an extra 40% off your auto insurance quote, depending on your state, for demonstrating safe driving habits during your Ride Along.

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 to Save with Low-Mileage Auto Insurance

Owning a car can be pricey. There’s the potential car payment, gas, and repairs, as well as auto insurance

If you don’t drive much, you might be overpaying for auto insurance. We found that traditional auto insurance is unfair for many drivers, leaving a whopping 65 percent of drivers overpaying for coverage. So what can you do? One place to start is to look for low-mileage car insurance

Here’s everything you might want to learn about insurance for low-mileage drivers, what it means, and where you can find car insurance for low-mileage drivers without breaking the bank. 

What is considered low-mileage?

According to the U.S. Federal Highway Administration, the average American drives 13,476 miles each year. That’s about 37 miles per day. If you drive less than 37 miles per day, you’re likely a low-mileage driver.

And you’re not alone. Two-thirds of American drivers drive less than the national average of 37 miles per day, which amounts to a whopping 147 million people. 

Low mileage drivers aren’t just young city-dwellers in Chicago, San Francisco, or Seattle, either. Some common types of low-mileage drivers are:

In other words, there’s no typical low-mileage driver, which means you might be able to benefit from auto insurance discounts for low-mileage drivers. 

Is car insurance cheaper if you drive less?

If you drive less, you might think that your car insurance will be cheaper automatically, but that’s not necessarily true. You might be overpaying for car insurance, especially if you don’t drive too far or often. That’s why it’s a good idea to compare car insurance quotes and look into auto insurance for low-mileage drivers.

A good option is pay-per-mile car insurance. With pay-per-mile auto insurance, you pay as you go. How often you use your car determines the price you pay each month for your coverage. You’ll generally pay a monthly rate to help keep your vehicle covered, even when you’re not using it. Then, you’ll pay a per-mile rate for each mile you drive, usually a few cents per mile.

How can I get a low-mileage discount for auto insurance?

Not all insurance companies provide a low-mileage discount or savings for people who don’t drive a lot. But there’s good news: Chances are your lifestyle could help you save money on auto insurance if you start paying per mile. 

Many companies have shifted to working from home permanently or are implementing a hybrid approach with limited time in the office. If you work at a company with these new working schedules, chances are you no longer have to commute as you did before. 

You might not be putting in the miles like you used to if you’re only going to the grocery store once a week or going out less often. If that’s the case, it doesn’t make sense to pay the same rate for car insurance.

Consider negotiating a lower price with your car insurance company. With some insurance companies, you can let them know you’re driving less to get a discount. Some insurance companies might ask whether you drive your car primarily for business or personal leisure or ask you to take a photo of your odometer to benefit from their savings for low-mileage drivers.

Metromile has savings built into its pay-as-you-go auto insurance. Drivers don’t need to let us know or prove that they’re a low-mileage driver because they pay per mile. Your bill will go down automatically if you’re driving less in almost real-time, so there’s no need to call in or negotiate.

What types of low-mileage auto insurance are there?

Low-mileage drivers could benefit from telematics-based car insurance. These car insurance policies use technology to understand how you drive and are sometimes called usage-based car insurance

Like you might guess from the name: These policies use telematics or a type of technology to understand how you use your car. They might consider how often you drive, how much you drive, your speed, how you brake, and your general driving habits, like whether you use your phone while driving. This data-driven insurance can help you score a lower bill if you’re a low-mileage driver. 

You can try out whether usage-based insurance is right for you for free with Ride Along™. Download the Metromile app onto your phone and get a free auto insurance quote. Then, you’ll drive like you usually do for about two weeks. (You should keep your current insurance coverage during the trial to stay covered.)

During your trial, we’ll use your driving habits, including how many miles you drive, to show you your potential savings. Safe drivers can get a discount of up to an additional 15% off the initial quote, depending on the state, for their good driving while using Ride Along.

How much you can save with insurance for low mileage drivers

Low-mileage drivers could cut their auto insurance bills by switching to low-mileage insurance such as Metromile.

* Average annual car insurance savings by new customers surveyed who saved with Metromile in 2018.

The bottom line 

Two-thirds of drivers in the United States are considered low-mileage drivers, and with more and more people working from home or visiting stores and restaurants less often, more and more drivers are becoming low-mileage drivers. Chances are you might be a low-mileage driver who could save with Metromile and pay-per-mile auto insurance.

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.

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 15% 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.

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 15% off your quote, depending on your state, for safe driving.