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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 40% 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 40% 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 40% 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 40% 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 40% off your quote, depending on your state, as a reward for demonstrating safe driving habits during your Ride Along.

The bottom line

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

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

How is car insurance calculated?

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

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

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

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

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

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

What factors into my car insurance rates?

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

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

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


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

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

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

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


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

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

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

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

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


Some car insurance companies also look at your education.

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

Some insurers might also provide a discount for college students.


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

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

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

Car type

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

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


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

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

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

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

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

Credit score

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

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

Insurance record

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

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

Driving record

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

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

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

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

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

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

That information is strictly off-limits.

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

How does Metromile calculate my car insurance rates?

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

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

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

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

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

How can I save money on car insurance?

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

Here are a few ideas to get you started:

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

The bottom line

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

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

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

How do car insurance claims work?

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

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

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

How do auto insurance claims work?

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

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

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

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

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

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

How do car insurance deductibles work? 

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

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

Frequently asked questions about car insurance claims 

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

Do I need to file an auto insurance claim?

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

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

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

When do I file an auto insurance claim?

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

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

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

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

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

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

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

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

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

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

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

Why the vehicle insurance claim process is important 

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

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

How car insurance claims work with Metromile

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

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

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

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

How to Get Car Insurance Online

You can buy auto insurance so quickly it’s almost instant. Learn how you can save and get the most accurate car insurance quotes online.

Getting a car insurance policy is now easier than ever. You can do it from the comfort of your own home on your schedule and do it all online. 

In this guide, we’ll break down everything you need to know before getting auto insurance online. 

How to get car insurance quotes online 

Thanks to the magic of the internet, it’s possible to get insurance quotes online easily. Many car insurance companies allow you to get auto insurance quotes online directly from their website in a few simple steps. 

Typically, you’ll need to provide your personal information as well as details about your vehicle, including:

  • Full Name
  • Address
  • Date of birth
  • Any recent accidents or traffic violations
  • Make, model, and year of the vehicle
  • Drivers license number 
  • Vehicle Identification Number (VIN)
  • Current mileage or whether you often drive for professional reasons

Providing this information can help you get the most accurate car insurance quotes online. You might see ads for cheap car insurance online that offer a quick quote anonymously. While it might seem better not to hand over all your personal information to get quotes on car insurance, oftentimes, those rates are inaccurate. 

By providing accurate information about yourself and your vehicle history, you can get a more accurate car insurance quote and make meaningful comparisons to other rates, including your current policy. 

The good news is some car insurance companies will offer a discount if you buy insurance online, so not only is it more convenient, it could save you money as well. 

Consider comparing at least three to five car insurance quotes online so you have a good idea of what average rates are like and so that you can score a great deal. Auto insurance quote comparison is crucial if you want to find a deal and the coverage for your situation. 

Even if you currently have auto coverage, it doesn’t hurt to look at what’s out there. Why? You may be able to find a better rate, as rates are always changing. Plus, you might be eligible for certain discounts you weren’t qualified for before. For example, if you got married, changed jobs, moved, or have a different car from when you purchased your last car insurance policy, check out insurance comparison quotes. You may be able to save money, which could be put toward other things in your life. 

What factors to look at with car insurance quote comparisons

When reviewing insurance quotes online, there are various factors you want to look at to get a fair assessment. 

  • Deductibles. An auto insurance deductible refers to how much you’ll pay the car insurance company before your insurance policy covers anything else. 
  • Liability limits. A liability limit is the maximum amount a car insurance company is willing to pay in the event of an accident or injury. 
  • Coverage types. Car insurance costs can vary depending on the coverage type. There are six types of coverage, including personal injury protection, bodily injury liability, property damage liability, collision, comprehensive, and uninsured or underinsured motorist coverage
  • Discounts. Many car insurance companies offer discounts to drivers for various reasons, ranging from being accident-free to installing safety equipment in your vehicle, and more. Review which types of car insurance discounts are available with each company. 
  • Extra perks. Compare any additional perks a car insurance company offers. For example, Metromile charges you based on how much you actually drive, so you can save if you don’t drive often. 

Doing your research and looking at all of these factors can make the auto insurance quote comparison process easier. 

The good news is you can do this research online at home to ultimately help you buy car insurance online. You don’t have to go through an agent anymore and can get a car insurance quote exclusively online. 

What determines the cost of auto insurance 

If you’re looking to buy cheap auto insurance online, you probably want to know what actually determines the cost of auto insurance. Here are some common factors that determine the cost of auto insurance:

  • Your age. The older you are, the more affordable your rate may be. Younger, more inexperienced drivers are likely going to have higher rates. 
  • Where you live. This matters because where you park and the city you live in can affect the likelihood of theft and accidents. More populous city drivers typically have higher rates. 
  • Driving history. Your driving history matters. If you have a clean driving record, you’ll score the best rates. If you have speeding tickets or at-fault accidents, your rates will be higher. 
  • Type of car. Your car type determines repair costs, the likelihood of theft, and more, so it affects your car insurance rates. 
  • How much you drive. The more you drive, the more at risk you are for accidents. So how much you drive can affect your rates. 

Some other factors that may be considered include your gender and your credit score, according to the Insurance Information Institute. 

How to get quotes on car insurance online with Metromile 

What makes Metromile unique is that instead of believing you get what you pay for, we believe you pay for what you get. In other words, you pay based on your mileage and how much you actually drive. Instead of a blanket flat-rate amount that doesn’t take your mileage into account, we believe that if you end up driving less, then you should end up paying less, too. 

To get the most accurate and affordable quote with Metromile, you can download our app for free. After that, with our Ride Along™ feature, you’ll score the most accurate quote based on how much you really drive. 

The way it works is you drive as you normally would for 17 days and get your free personalized auto insurance quote. Using our trial (you’ll need to keep your current insurance provider before you switch to Metromile), you get not only an accurate car insurance quote but you could also earn up to an extra 15% to 40% off your initial quote in select states as a bonus for safe driving. 

The Ride Along feature gives you personalized insights into driving behaviors like acceleration, turning corners, and braking. Once your Ride Along is complete, we’ll send you an email with your personalized rate for a pay-per-mile car insurance policy. Then, you can start your coverage with Metromile.

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 do car insurance rates go up?

There are many reasons why your car insurance rates might go up, but with Metromile, you have the power to lower your premiums if you don’t drive very often.

Are your car insurance rates going up?

When it’s time to renew your policy, your car insurance company might send you a letter to let you know your rates are increasing.

That might not be a surprise if you recently got into a car accident or received a speeding ticket. But what if you’ve never filed a claim before? 

Sometimes, even if you drive safely, your car insurance rates might rise for reasons that are out of your control.

Let’s take a look at a few reasons why your car insurance might be so high and how a pay-per-mile auto insurance policy from Metromile could help you save money.

What factors impact your car insurance rates? 

Car insurance companies consider a number of factors when setting your premiums.

It’s important to understand that your auto insurance rates could be based on things like:

With that in mind, let’s take a closer look at why your car insurance rates might be going up.

Why did my car insurance go up? 

There are several reasons why your car insurance rates might go up.

Sometimes your car insurance premiums increase as a direct result of your driving behavior. Other times, it could have nothing to do with you. Your rates could go up simply because of changes in the market.

Here are four common reasons why car insurance rates go up:

1. Your auto insurance rates might go up if your driving record changed. 

If your recent driving shows you might be a risky or dangerous driver, your car insurance premium can increase at renewal.

For example, if you were determined to be at fault in a car accident, you’ll almost certainly notice an increase in your premiums. If you got caught speeding or running a red light, paying the ticket might be the least of your worries. 

Plus, you might lose any safe driver discounts you used to have, which could increase your rates even more. It’s a double whammy and more reason for you to drive safely.

2. Your auto insurance rates could rise for reasons that have nothing to do with driving.

For example, if your credit goes down, your car insurance premiums might increase. 

Even though it has nothing to do with your driving habits, a sharp drop in your credit score could be an indication of risky behavior that insurers fear could carry over to the streets or a greater likelihood of filing a claim.

3. Your auto insurance rates could also go up if you added insurance. 

This could be as simple as buying a new car that’s more expensive to replace, adding a new driver to your policy, especially if it’s a teenage driver, or increasing your coverage amounts. This doesn’t mean you’ve done anything wrong. 

But because the insurance company is taking on more risk or providing more coverage, they could raise your premiums.

4. Your auto insurance rates could also increase for reasons that are beyond your control. 

If you move from a quiet town to a big city, where car accidents and stolen vehicles are more common, your car insurance company might raise your rates to make up for the additional risk.

As car repairs or health care costs go up, they could also increase your premiums because it can become more expensive to pay for any vehicle damages or injuries you might cause in an accident. 

Lastly, don’t forget car insurance companies also have to factor in inflation.

What auto insurance discounts are available? 

Your car insurance company might offer various discounts.

If your car insurance rates are going up because of your driving record, you’ll probably have a difficult time finding another insurance company that will give you a better price. But if they’re increasing your rates for other reasons, you might be able to save money by shopping around for a more affordable car insurance policy that offers better discounts.

Here are some common car insurance discounts that you should make sure to ask for:

  • Safe driver discount or a no-accident discount
  • Good driver discount
  • Mature driver discount
  • Safety equipment installation discount for anti-theft equipment or car alarms, for example
  • Multi-vehicle discount

At Metromile, you could also score a discount of up to an additional 40% off your initial quote in select states by taking a Ride Along™ and demonstrating safe driving. 

What is Ride Along™, and how does it work? 

Ride Along™ is like a free trial that lets you test out Metromile without needing to commit.

All you have to do is download the Metromile app for free. Then, you’ll just drive as you would ordinarily for 17 days. We’ll take it from there and count how many miles you drive, so we can estimate how much you’d pay on a regular basis with pay-per-mile auto insurance.

While we’re at it, we might also consider your driving behavior, like whether you speed or how hard you brake. If you demonstrate you’re a safe driver during this trial period, you might qualify for an additional discount of 15% if you live in Arizona or 40% if you live in Oregon.

Then, you can switch to Metromile and start your coverage. (You won’t be covered by Metromile during your Ride Along.)

How else can I save money on car insurance with Metromile? 

Metromile offers pay-as-you-drive auto insurance.

Instead of charging you a flat rate for car insurance, we start you off with a small base rate and then charge you by the mile after that. 

While your rates may still be determined by things like your driving record, what type of car you have, and where you live, the price you pay is based on how many miles you drive. So if you’re a low-mileage driver, think about how much money you could save on auto insurance!

Miles Driven Per YearPer MonthPer WeekSavings*
10,000 miles833 miles192 miles$541
6,000 miles500 miles115 miles$741
2,500 miles208 miles48 miles$947
*Average annual car insurance savings by new customers surveyed who saved with Metromile in 2018.

What’s next?

Still wondering why your car insurance rates are so high?

If your car insurance rates recently went up, you might be looking for ways to save money. While other auto insurers give you little choice over how much you pay, Metromile puts you in the driver’s seat. We provide you with control over how much you pay each month based on how many miles you drive.

The less you drive, the more you save. 

Think you might be a low-mileage driver? Get a free auto insurance quote from Metromile today to see how much you could save.