Blog » Car Insurance 101

If you’re looking at car insurance policies and comparing quotes, you want to know exactly how those rates are determined. You might have an idea, but how is car insurance calculated precisely? While each car insurance provider may have different criteria, many of the contributing factors remain the same. Ultimately, car insurance premiums are calculated by looking at various data points that assess overall risk.If you’ve wondered how car insurance premiums are calculated, read on to learn the various data points impacting your rates.

How is car insurance calculated?

Car insurance companies look at certain factors when setting your rates to assess overall risk.

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)
• Your marital status (in some states) 
• What type of car you drive
• How many miles you drive 
• The type of car insurance coverage you have
• Your coverage limits
• Where you live
• Your credit score (in some states)
• Your driving record
• Your insurance record

Age

Your age can play a significant 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. In fact, CDC data illustrates this higher risk, stating teens ages 16 to 19 are three times more likely to be in a fatal car crash than drivers 20 and older. 

So if you’re just starting to drive, 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 get into accidents. Over time, insurance companies will reward your safe driving with lower prices or discounts. 

Gender

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 Michigan have limited car insurance companies from considering gender when calculating a driver’s rates. But in many other states, insurance companies can still consider gender as a factor when determining car insurance premiums.

Education

Some car insurance companies also look at your level of education when determining car insurance rates. 

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.

Occupation

Auto insurance providers 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.

Marital status 

On the surface, your marital status may seem like it has little to do with your driving risk. But typically, car insurance providers have found married drivers file fewer claims. 

According to The Zebra, married drivers typically file fewer claims than single, widowed, or divorced drivers, which can result in lower car insurance premiums. 

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. 

On top of that, if you get a car such as an SUV that can do damage to other vehicles in the event of an accident or buy a car that is highly sought after by car thieves, your car insurance premiums may be higher. 

Miles driven 

Every time you get behind the wheel and drive, you face some level of risk. It makes sense then that the more miles you drive means there is a higher level of risk. 

If you work from home and leave the house sparingly, you may be a low-mileage driver and could score a more affordable car insurance premium through pay-per-mile insurance.

Types of car insurance coverage  

The type of car insurance coverage you’re purchasing will also invariably impact your rate. For example, getting liability only may be more affordable than comprehensive coverage but will also cover less in the event of an incident. The different types of car insurance coverage can include:

• Comprehensive insurance
• Liability insurance
• Collision insurance 
• Uninsured and Underinsured insurance 
• Personal injury protection (PIP) insurance 
• Medical payments insurance 
• Roadside Assistance insurance 
• Rental car insurance

Your coverage limits  

Your car insurance coverage will have certain coverage limits that can impact your rate. These coverage limits are typically related to the type of policy you purchase. So liability only can offer more affordable car insurance premiums, it also means having lower coverage limits. 

Higher coverage limits are costlier, however; you get more covered in case of an accident or other type of incident. 

Geography

Where you live can have a significant 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 living in sunny Los Angeles might have a different impact on your rate than living in a place like Chicago, where winters are known to be brutal. However, population density is also considered as well. 

So if you live in a big city like Philadelphia 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. 

If you’re a low-mileage driver, you may be able to reduce your car insurance premium with pay-per-mile insurance if you live in certain areas in California, Arizona, Oregon, Washington, New Jersey, Virginia, Illinois, or Pennsylvania. 

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.

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.

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.

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 deductibles 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 

Figuring out how to calculate car insurance is a complex and nuanced process for car insurance providers. As you can see, there are a wide range of factors that go into your rate so if you’ve ever been curious how are car insurance premiums calculated, now you know it’s not just one thing like your driving history. One way to score lower car insurance rates is to drive less. As a low-mileage driver, you could pay less for insurance with pay-per-mile coverage. You pay for things like gas by the gallon. So why not pay for car insurance based on the miles you drive? Using Metromile, you can. Check out your free quote.

Self-driving cars can seem like something from the future, but the future is closer than you think. In fact, many manufacturers  have already rolled out some self-driving features. While an official rollout of fully autonomous cars hasn’t happened yet, self-driving cars could hit the market in the next few years. Imagining cars without a human driver is tough to reconcile and brings a lot of questions and concerns. Will self-driving cars be safe? Will they be affordable? How will car insurance be affected by self-driving cars? Based on new research from Metromile and The Ferenstein Wire, this new technology stands to revolutionize the auto landscape and could save consumers $1,000 in car insurance every year. Read on to learn more about car insurance and self-driving cars. 

The self-driving cars landscape 

Fully self-driving cars, also sometimes referred to as autonomous cars, aren’t sold to the public yet. But as noted above, automated driving systems are already in some vehicles, helping take some of the load off the driver, and are currently being tested. 

Currently, many top car manufacturers are working to make autonomous vehicles (AV) a reality and testing out the technology to move things forward. 

Where we’re at with self-driving cars 

Self-driving technology is moving forward rapidly, but full-on driverless vehicles aren’t a thing just yet. For some context, the National Highway Traffic Safety Administration (NHTSA) has outlined the various automation levels from the Society of Automotive Engineers (SAE). Currently, we’re at level 2. These levels of automation are:

• 0 = No automation, where the driver is fully responsible
• 1 = Driver assistance, where some features assist the driver
• 2 = Partial automation, which includes automated functions such as steering and acceleration, but the driver is still responsible and needs to remain present and engaged
• 3 = Conditional automation, where a driver is needed but isn’t tasked with monitoring the environment and must be ready to take over when needed
• 4 = High automation, where the vehicle can perform all driving requirements under certain conditions, and the driver may be able to take over as needed
• 5 = Full automation, where the vehicle can perform all driving requirements during all conditions, and the driver may be able to take over as needed 

So while more vehicle manufacturers are adding self-driving features to their cars, we’re still a few years out from a fully autonomous vehicle. The NHTSA predicts that by 2025 and beyond, fully automated safety features will be available and on the market. 

Currently, General Motors is looking to manufacture one million self-driving vehicles by 2030. 

Self-driving cars and insurance issues

One of the primary questions with self-driving cars is if there will still be a need for car insurance. Car insurance providers assess a driver’s risk on the road, among other factors, and offer various types of coverage in the event of property damage, bodily injury , and more. 

In many cases, incidents occur because of the driver. So what happens if you no longer need the driver or the risk is seriously reduced? Will it be the driver’s fault or the auto manufacturer’s fault? 

In response to questions like this, the NHTSA states:

“It is vital to emphasize that drivers will continue to share driving responsibilities for the foreseeable future and must remain engaged and attentive to the driving task and the road ahead with the consumer available technologies today. However, questions about liability and insurance are among many important questions, in addition to technical considerations that policymakers are working to address before automated driving systems reach their maturity and are available to the public.”

Car insurance claims for property damage

So even though self-driving cars can reduce the risk of an accident and make establishing fault a bit murky, there will still be a need for car insurance. 

According to the Insurance Information Institute, car insurance claims around accidents may be reduced, but there will still be a need for coverage when it comes to property damage or loss due to theft or inclement weather. 

The cost of repairing self-driving vehicles may be higher 

Additionally, it’s important to note that the overall cost of repairing self-driving vehicles may be higher. 

Given the technology of autonomous cars, including various sensors, cameras, and other equipment — when repairs are needed, the cost will likely be at a premium and not something your local mechanic can fix. 

Insurance underwriting and claims 

As technology shifts, so will the car insurance industry. Underwriting criteria and liability insurance will likely be reimagined. 

Claims for accidents may be reduced and the Insurance Information Institute notes that healthcare, disability, and workers comp claims from auto accidents may be reduced as well. Since many car accidents are caused by human miscalculation, error, or judgment, self-driving cars may end up lowering car insurance rates. 

What the future holds for autonomous cars and insurance 

There’s no doubt that autonomous cars will be a reality faster than we think. What that looks like from an insurance perspective is complex. Each state has its regulations as it relates to auto insurance. On top of that, each state deals with liability for injuries differently and has different minimum requirements for coverage. 

One of the persisting questions is who will pay in the event of an incident ? Though the NHTSA states that the liability will be shared, how that works and actually breaks down will need to be clarified. Will the insurance company subrogate the AV manufacturer if the technology failed and the operator was not at fault? These nuanced situations and important questions will need to be answered. 

Given all of these factors, self-driving cars can create insurance issues that will need to be dealt with. On top of that, it’ll be an adjustment for consumers as well. 

According to a 2021 JD Power Study on self-driving cars, 41% of respondents are comfortable with Advanced Driver Assistance Systems (ADAS) as the highest level of automation, and only 14% of respondents are comfortable with fully self-driving cars. 

In the coming years, car insurance may look different, and consumers may see autonomous cars on the market. 

The bottom line 

Car insurance for self-driving cars might look different than what you’re used to today. At Metromile, we will have the ability to adapt our signature pay-per-mile insurance to autonomous vehicles as they enter the market. For now, low-mileage drivers can use pay-per-mile technology to pay less for car insurance. You pay for gas by the gallon, so why not pay for insurance based on the miles you drive? Get a free quote 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.

When it comes to paying bills like car insurance, everyone likes to know what to expect. But like life, sometimes there are surprises that can catch you off guard. If you’re going through your car insurance paperwork and see a higher premium, you think, “Why did my car insurance go up?!” The answer may or may not be clear-cut as there are many factors that affect your car insurance rate. Here we break down the top reasons why your car insurance increased.

Same safe driver, different roads

If you have a safe driving record with no speeding tickets or accidents, it’s easy to lament and wonder why did my car insurance go up? But if you moved, that could be a telltale reason why your insurance rates spiked. If you move from a small town to a big city, there are naturally more cars on the road and higher population density. 

Even one neighborhood a few blocks over may have a very different risk profile than another one. For example, if there are narrow, crowded streets that are packed with cars or there’s a higher likelihood of car theft, your insurance rate could go up

All of that points to one thing — more risk. So while your driving behavior has stayed the same, the roads you’re driving on have changed and the added risk is reflected in your insurance rates. 

Additionally, in some states, where you garage your vehicle is one factor that is used to determine your car insurance rate. 

Same driver, new car

Perhaps your driving has stayed the same, but you bought yourself a new set of wheels. Maybe you’ve splurged on an electric vehicle or a new convertible to live out your dreams of feeling free on the road. 

In this case, your new car purchase could be the culprit behind your higher rates. Your car might have the latest onboard technology and safety features. While this is good for you, if it needs to be repaired in the future, it can be costlier for the insurer. Insurers have to prepare for that likelihood, hence the higher insurance premium. Additionally, if you have an SUV or truck your vehicle could cause more damage to other vehicles which could also increase your rate. Plus, if your new car is a hot ticket item for car thieves and more likely to be stolen, that could impact your rate as well.  

Same roads, new driver

If your driving record is still spotless, but you’ve added a new driver to your car insurance policy, it’s likely your car insurance went up due to the additional risk. This is especially true if you add your teenager to the policy. 

Young drivers are just learning how to drive and have higher chances of being in an accident. According to CDC data, teenage drivers between 16 and 19 have the highest risk of getting into a car crash. Given the data, it’s natural that insurance rates would go up during this time. 

An accident or traffic ticket

Trying to figure out why is my car insurance going up can be a mystery sometimes. But the most common reasons include getting into a fender bender or full-fledged accident or getting a speeding ticket. 

Depending on the type of infraction and if you’re found at fault, your car insurance premium may increase when it’s time to renew your policy. 

A change to your policy

Have you changed your insurance coverage in some way? Maybe you switched from liability only to a full coverage policy with collision and comprehensive coverage, moved to a different neighborhood, or added a new driver. Any change you make to your car insurance policy can result in a price increase based on your risk profile. 

You qualified for a discount, but you don’t anymore

In certain circumstances, you may qualify for a discount and score a lower rate. You might not realize that the rate you have is based on the discount and because something in your life might have changed, you may no longer qualify for the discount. 

For example, if there’s a significant life change, such as a move or a divorce, your car insurance rate may go up. If you took a defensive driving course several years ago, you might be ineligible for that discount now. 

Changes at the state level

Each state regulates car insurance, and each state has its own coverage requirements. Sometimes there are particular things going on in your state that you have no control over that can impact your car insurance rates. 

Think of everything from natural disasters to insurance fraud and more, which could result in higher costs for insurers and may result in a higher rate as well. Each state also has minimum liability requirements and may have a no-fault policy or an at-fault policy when it comes to accidents. These variables can impact your car insurance rates. 

The bottom line 

Having your car insurance go up can be frustrating and annoying, especially if you’re unsure why. You might wonder why does my car insurance keep going up and think it’s something you did. But as you can see, even if you have a stellar and spotless driving record your car insurance can go up for many reasons that don’t have to do with you. Risk assessment and insurance are complex and it’s not as cut and dry as you might think. If you want a low car insurance rate and don’t drive that often, you can score competitive rates with pay-per-mile insurance with Metromile. Get a quote today to see about potential savings.

Whether you’re driving in bustling Seattle or somewhere a bit more remote and in nature, driving too fast in Washington can result in a speeding ticket. Once you see the lights flashing behind you and you get pulled over, an officer may have no mercy on your pleas for forgiveness. After getting the citation, now you have to worry about the speeding ticket cost in Washington and how it will affect your insurance. Read on to learn the cost of a speeding ticket in Washington and how it may impact you. 

How much is a speeding ticket in Washington state? 

If you get pulled over, your first thought might be “How much is a speeding ticket in Washington?!” Speeding ticket costs vary by state, and in Washington can depend on how fast you were going and how many miles per hour over the stated speed limit you were going. 

According to Washington Courts’ Monetary Penalty Schedule for Infractions, here are the base fines for speeding in Washington: 

For stated speed limits of 40 miles per hour (mph) or lower: 

• $43 if going 1 to 5 mph above the stated speed limit
• $48 if going 6 to 10 mph above the stated speed limit
• $63 if going 11 to 15 mph above the stated speed limit
• $83 if going 16 to 20 mph above the stated speed limit
• $108 if going 21 to 25 mph above the stated speed limit
• $133 if going 26 to 30 mph above the stated speed limit
• $158 if going 31 to 35 mph above the stated speed limit
• $188 if going more than 35 mph above the stated speed limit 

For stated speed limits of above 40 miles per hour:

• $33 if going 1 to 5 mph above the stated speed limit
• $43 if going 6 to 10 mph above the stated speed limit 
• $58 if going 11 to 15 mph  above the stated speed limit
• $73 if going 16 to 20 mph above the stated speed limit
• $88 if going to 21 to 25 mph above the stated speed limit
• $108 if going to 26 to 30 mph above the stated speed limit
• $133 if going 31 to 35 mph above the stated speed limit
• $158 if going 36 to 40 mph above the stated speed limit
• $188 if going more than 40 mph above the stated speed limit 

These are just the base charges, and there will likely be additional fines and fees tacked onto your speeding ticket. For example, the courts of Washington list an additional $48 fine for “Speed Too Fast for Conditions.” 

The ticket amount can vary within Washington by jurisdiction and if you’re speeding in a particular area like in a town street, school zone, or in certain hazardous weather conditions. 

For example, the Municipal Court of Seattle website lists speeding too fast and going 6 to 10 mph over the limit in a 40 mph or less zone as costing $139. In Seattle, going 11 to 15 mph over the limit in the same zone will cost you $169. In a zone with speed limits over 40 mph and going 16 to 20 mph over the limit will set you back $190, and in an under 40 mph area, that will go up to $210. 

In Seattle, speeding tickets can go up from there between $262 to $426. 

Source/credit: Municipal Court Seattle (pg 22)

So as you can see, the speeding ticket cost in Washington can start with a low base rate but go up with additional fees and fines and can be even more costly in Seattle. 

What should you do after getting a speeding ticket in Washington? 

After getting a speeding ticket in Washington, you need to take action within 15 days to avoid further trouble. If not, you could get hit with an additional fine of $52. You have three options with your speeding ticket:

1. Agree to the traffic infraction and pay the associated fine. If you’re in Seattle, you can pay for your ticket online. 
2. Agree to the traffic infraction and ask for a mitigation hearing to explain your case. 
3. Deny the traffic infraction and ask for a contested hearing. 

Once you select an option on your citation, you can mail it back with the funds or drop it off at the court in your district. 

If you fail to take action, you can have additional fees added to your speeding ticket and lose your right to a hearing. If you get too many speeding tickets, you could get your license suspended as well. 

Average car insurance rates after getting a speeding ticket in Washington

The state of Washington doesn’t use a point system for traffic infractions, but that doesn’t mean infractions won’t go on your driving record and affect your car insurance rates. 

According to financial site Bankrate, after getting a speeding ticket in Washington your car insurance rate could increase 10% to 19%. If you’re an 18-year-old with full coverage, you can expect a 10% increase in car insurance premiums at the time of renewal. If you’re a 40-year-old with full coverage, you can expect a 19% increase. 

Of course, this can vary by insurer and depend on your previous driving history as well. You may be able to go to traffic school to help minimize or avoid the impact on your insurance rates, if eligible. 

The bottom line 

If you get a speeding ticket in Washington, it’s important to tackle the issue right away. Don’t just keep the ticket in your wallet or dashboard and forget about it. If you want to take care of it and move on, agree to the infraction and pay the ticket. The speeding ticket cost in Washington can vary, so verify how much the total will be. If you want to explain your case or disagree with the decision, you can request a mitigation hearing or a contested hearing. 

If your car insurance rates increase after a speeding ticket when it’s time to renew you can shop around for other options. Metromile offers low-mileage drivers competitive rates. You pay gas by the gallon, why not pay for insurance by the miles? Using Metromile you can. Check out insurance that makes sense and get a free quote. 

​​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.

When you’re driving, you want to feel in control of your environment and your vehicle. Hands on the steering wheel, eyes on the road, moving steadily. So it’s no wonder that hearing loud noises and experiencing a shift in speed or movement can be jarring. If that’s the case, you might be experiencing a tire blowout. Read on to learn what you should do if you have a tire blowout. 

What is a tire blowout? 

You might be familiar with a flat tire, but a tire blowout is a different beast altogether and can be more dangerous and anxiety-inducing because of the noises and loss of stability that may be involved. According to the National Highway Traffic Safety Administration (NHTSA), “A tire blowout is a rapid loss of tire air pressure that can cause your vehicle to lose control.”

If you hear a boom or hissing sound, it’s likely you’re experiencing a blown tire and need to move to safety ASAP and remedy the issue. 

Why do tire blowouts happen? 

Tire blowouts can happen for a multitude of reasons. The most basic reason is poor tire maintenance, according to the NHTSA. If your tires are underinflated, not properly rotated, or there is an uneven tire wear pattern, you may be at higher risk for a blown tire. Some other common culprits can include:

• Hitting a pothole
• Heat, which expands air in the tire during the summer months
• Excessive weight in the car 

A tire blowout can happen at any time but may have an increased likelihood when you reach higher speeds on the road, like on the freeway. Since the freeway is the last place you want to have a blown tire, it’s crucial to know what you should do if you have a tire blowout. 

What should you do if you have a tire blowout?

Having a tire blowout can be sudden and scary due to the unexpected noise and potential loss of control. If you hear a loud noise and your surroundings are clear, assume it’s your tire and take a deep breath. When you take deep breaths, your parasympathetic nervous system gets activated, which can help calm you down. 

Taking a deep breath and remaining as calm as possible is key to avoiding a sudden overreaction which could be detrimental. You don’t want to hit the brakes hard during this time and instead take strategic steps toward safety to avoid an accident. If you’re dealing with a tire blowout, according to the NHTSA here’s what you should do:

1. Hold the steering wheel with both hands.
2. Maintain your vehicle speed if possible and if it’s safe to do so.
3. Gradually release the accelerator.
4. Correct the steering as necessary to stabilize your vehicle and regain control. Look where you want the vehicle to go and steer in that direction.
5. Once your vehicle has stabilized, continue to slow down and pull off the road where and when you judge it’s safe to do so.

When you’re safely pulled over and out of harm’s way, put on your hazard lights and call for help. If you have AAA or roadside assistance, you can get a professional on the way to help. Metromile customers can get additional roadside assistance coverage in addition to affordable pay-per-mile coverage. 

If you have a spare tire and know how to change a tire, you may be able to DIY it. However, be careful, especially if you’re on a busy road or freeway or in the dark. 

How to avoid tire blowout 

As noted above, the NHTSA explains that tire blowouts can occur due to underinflated tires or lack of proper tire maintenance. That’s why it’s crucial to check your tire pressure and rotate your tires on a regular basis. 

If possible, try to check these things once a month. You can check your owner’s manual to see your car’s ideal pounds per square inch (PSI). It’s best to check your tire pressure before doing a lot of driving, so check in the morning. 

Aside from proper tire maintenance, be a defensive driver and be on the lookout for potholes, big objects, or other harmful debris that can lead to a blown tire. Be aware that in excessive heat, your tires have a higher likelihood of blowing out. While you can’t control the weather, you can be aware and engage in proper maintenance so you’re prepared. 

Will my car insurance provider cover a tire blowout? 

Getting a blown tire can feel like an unfortunate incident. If you need to suddenly replace your car tire, it’s natural to wonder if your car insurance will cover it. It depends on the incident and your type of coverage. Typical car maintenance issues usually aren’t covered by car insurance. 

If you have collision coverage and the tire blowout is related to hitting an object on the road, you may be able to get it covered. But since you have to pay your car insurance deductible first, it may not be worth it. 

The bottom line 

Dealing with a tire blowout isn’t really anyone’s version of a good time on the road. But if you’re dealing with a blown tire, you can take the actions listed above to get it taken care of and move on. You may be able to get help from your insurance provider as well. Metromile offers roadside assistance as additional coverage on top of pay-per-mile car insurance. You can save by only paying for the miles you actually drive. Low-mileage drivers may be able to score serious savings by making the switch. Check your personalized quote 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.

When getting behind the wheel, it’s important to consider how the weather may impact your driving or the driving conditions that affect your safety. During the colder months of the year — when the air seems to pierce your face with its crispness — snow can fall and become a driving hazard. While snow may be beautiful to look at while you’re cozy next to the fire, it’s not really something you want to be driving in, especially if conditions are severe. But sometimes things happen, and you may find your car stuck in snow, unable to move. If you find yourself in this situation, here’s what to do beforehand and how to get a car out of snow.

How to prepare beforehand for driving in snowy weather 

If you live in a snowy climate (hey there, much of the East Coast and Midwest), it’s important to be prepared and drive with the right kind of tires. There are different types of tires available on the market but you still need something more than your standard tire. You need snow tires, to help you navigate icy and snowy terrain. 

Having a car stuck in snow may be due to having the wrong tires. It’s like trying to use a screwdriver when you need a hammer. You need the right kind of tool to help you deal with snow and drive safely. Another thing that can help is having a snow shovel in your trunk in the event you get stuck in snow. 

1. Remove snow surrounding the tires 

Figuring out how to get your car unstuck from snow requires identifying the problem first. In most cases, the primary issue is that the snow acts as a barrier preventing you from moving forward. 

The first step to getting your car unstuck is to remove the snow from surrounding areas of the tire (and this is why a snow shovel will come in handy!). Remove the snow in front of your vehicle and behind your car to make sure you have a runway to drive forward and back up if you need to. 

2. Be gentle with the gas pedal 

If your car is stuck in the snow, you may have the inclination to hit the gas pedal at full speed to get unstuck. That can leave you spinning your wheels, literally. In other words, it’s not a very effective strategy. While it may seem counterintuitive, be gentle with the gas pedal and slowly allow your car to go forward. 

3. Slowly move forward and back up 

When driving in snow conditions, you want to be mindful of your transmission and be delicate with your maneuvers. Put your car in drive with your foot lightly on the gas, then slowly transition and back up your car. Doing so can help shake off some of the snow stuck on your tires. 

4. Put snow chains on your tires 

If you have a car stuck in the snow, one remedy that can help is putting snow chains on your tires. These tire chains can be used in winter to help your tires improve traction in icy and snowy weather conditions. 

If you don’t have them, consider buying some and keeping them in your trunk along with your snow shovel. To learn how to install snow chains correctly and safely, you can watch this tutorial. 

5. Use various materials to boost traction 

When your car is stuck in snow, it’s difficult for the tire to get traction on the road to get moving. The good news is there are various materials you can use to boost traction. These items include:

• Cat litter (win for all the cat owners!)
• Dirt
• Sand

As you can see from this list, these materials are granular and can increase the traction under your tires. Place one of these materials underneath the tires. Then, slowly press the gas to see if you can move forward. If you need something else you might have in the car, you can try out car mats or cardboard you might have on hand. 

Also, if you’re thinking of using other materials to try and melt ice, think again. For example, some substances such as antifreeze or cleaning materials may be poisonous to animals and humans alike. On top of that, it could be illegal or hazardous to do so. 

6. Get a helping hand 

If you have passengers in the car or there are other people nearby, sometimes a little helping hand can go a long way. A little (wo)man power can help move your car and get it unstuck from the snow. 

You want to do this maneuver safely so make sure you’re in drive and put your foot gently on the gas (reverse would be a HUGE mistake!). Have the other people push your car forward to gain momentum. 

7. Release some air from the tires 

Learning how to get your car unstuck from snow requires some trial and error, and some options may work better than others. One option that may work is to release some air from the tires so they’re slightly deflated, in order to gain more traction. 

An important caveat: this is only a good option if you have a tire pump or can fill up your tires with air close by as it can be dangerous to drive on underinflated tires.

8. Get roadside assistance 

If you’ve tried the steps above and your car is still stuck in snow, you might need to call the professionals. That’s where roadside assistance can come in handy. Metromile customers with roadside assistance coverage  can get much-needed help in a bind. 

The bottom line 

Figuring out how to get your car unstuck from snow can be a daunting process. Though it can be some work, using these eight tips can provide a fix if you find your car stuck in snow. The most important part is to remain calm as possible and slowly and strategically maneuver the car. Lastly, you can see if you can get additional support from your car insurance provider. Metromile offers roadside assistance and coverage that can benefit low-mileage drivers. You pay gas by the gallon, so why not pay for the miles you actually drive? Get your quote today and learn about our various coverage options. 

​​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.

If you see that your gas tank is approaching “E”, you may put “fill up the gas tank” on your to-do list and go on with your day. But sometimes life gets in the way, and you may be busy and have forgotten about it. If it’s too late, and you’ve reached the point of no return and you’ve run out of gas, you need to remedy the issue ASAP. Here’s what to do if you run out of gas.

Warning signs that you’ve run out of gas

When you’re out of gas, there may not be a dramatic halt notifying you that it’s time to fuel up. But there are plenty of warning signs that you’ve hit the dreaded “E” and should get to safety and fill up ASAP. These include:

• Vibrations in the car — you may feel your car or steering wheel vibrating 
• Lack of power or momentum — it may be difficult to accelerate and go forward
• Odd engine noises — if it feels like your car is going “putt putt putt” and on the struggle bus, it’s time to fill up as your engine is sputtering 

If any of these things are happening or you hear or feel anything else peculiar, it’s likely your car is grasping for fuel to try and keep going. 

Get off the road and turn on emergency blinkers 

It’s one thing to run out of gas. It’s another to have your car lose speed or power and end up inadvertently causing an accident. That’s why it’s crucial to get off the road and pull over somewhere safe. This can be the shoulder or side of the road, out of traffic flow. Once there, turn on your emergency blinkers. 

Identify where you are 

Once you pull over, you may need to leave your car and get gas or notify help where you’re at. Hopefully, your phone has signal, and you can get your GPS location. Look to see if you’re near any particular streets or freeway exits, notable buildings, or memorable location markers. 

Go to the closest gas station 

If you’re wondering what to do if you run out of gas, it makes sense that you need to get gas to fix the issue. That means heading to the closest gas station and buying a gas can to get your car back on the road and moving. 

You can use the Google Maps search function and look up “gas stations.” You can also use GasBuddy.com and use the “Find Gas” tab to see affordable and nearby gas stations. 

Since your car is likely out of commission, you may need to walk or take a ride-sharing service there. Be mindful of the potential hazards of walking if you’re on the highway or a busy intersection or if you’re in a poorly lit or dangerous area. In that case, opting for a ride-sharing service such as Uber or Lyft can help get you there safely. 

Phone a friend 

If you run out of gas, you may want a friendly and familiar face to help you. In that case, phone a friend to see if they can help. Obviously, this option depends on if you have friends or family nearby that are available, but it doesn’t hurt to try. 

Your friends or family can pick you up to get a portable gas can to help you get back on the road. That should be enough to get you to the nearest gas station. 

Call for roadside assistance 

You may be able to get roadside assistance to help you if you’ve run out of gas if you’re a current AAA member or if your car insurance provider offers it. You may be able to access this by calling or using their app, if applicable. Metromile offers roadside assistance as an additional coverage to your car insurance policy to help make sure you’re covered if you get into a situation like this. 

The bottom line 

If you’re out of gas, it can be anxiety-inducing and derail your day or evening. But you can remedy the issue by taking these steps. The most important part is to get to a safe place and get gas quickly so you can move on with your day. To prevent the issue in the future, fill up after the gas tank gets past the halfway mark or set a day per week to fill up so you’re never in danger of running out of gas. 

Also, see if your insurance provider offers roadside assistance if such an incident should arise. Metromile offers roadside assistance coverage and affordable rates for low-mileage drivers. If you drive here and there or mostly for errands, making the switch can lower your car insurance costs. If you’re still paying a flat rate for coverage and paying for miles you don’t drive, it’s time to re-think your auto insurance. Get a quote with Metromile 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.

If you’re driving on the road, you want to keep pace with the flow of traffic. But sometimes, knowingly or unknowingly, you go faster than the stated speed limit in that particular area. In either case, the consequence can be the same — you may be hit with a speeding ticket. You can beg, cry, plead, or tell the officer you’re rushing to work. The officer may show some grace and let you off with a warning, but if not, you’ll have to deal with a speeding ticket. But then the questions start to arise. Do speeding tickets affect insurance? How much does insurance go up after a speeding ticket? In this brief guide, we break down what to know about speeding tickets and car insurance. 

Do speeding tickets affect insurance? 

It’s no secret that speeding tickets aren’t exactly cheap. The average speeding ticket cost in California could be several hundred dollars after fees and such for an initial $35 base fine. That’s not even close to some of the costs in other parts of the country (Virginia reportedly has the highest penalties, with citations that can cost upwards of $1,000!). 

But that initial sting of the ticket itself is just part of the overall financial repercussions. If you’re wondering, “Do speeding tickets affect insurance?” the answer is most likely “yes”. When you get a speeding ticket, you may get a point on your license, which is added to your driving record. If this is your first speeding ticket, you may be able to go to traffic school and get the point taken off your record without affecting your insurance. But that’s not always the case.  

A major factor in determining your insurance rate is your driving record, and that includes traffic violations like speeding tickets. The more tickets you have, the more likely your insurance rates will rise. 

Here’s how a speeding ticket may affect your car insurance: 

• Your car insurance premium may increase at the time of renewal.
• Rates could increase for several years. 
• Whether your rate increases can depend on the speed, location, and state. 
• You may lose out on a “good driver” discount or other relevant discounts.
• If your driving record has a lot on it and it’s pretty serious — and a speeding ticket is just the icing on the cake — it may be difficult to get car insurance from a private company. If that’s the case, you can see if your state provides government auto insurance. 

Why do car insurance rates go up after a speeding ticket? 

Your driving record helps insurers understand how much of a risk you might be on the road. And guess what determines your driving record in addition to accidents and minor fender benders? Yep, speeding tickets. 

Speeding is one of the leading causes of car accidents. So when you engage in this risky driving behavior, it’s natural for your insurance company to take this additional risk factor into account. If you rack up multiple speeding tickets, it can have a more significant impact on your rates. 

The (kind of) good news is that according to an analysis from The Zebra, speeding tickets are the least costly kind of traffic violations when it comes to insurance rates. But the potential price hike can still be significant. If you’re worried about how much does insurance goes up after a speeding ticket, on average, it’s $354 per year according to an analysis by financial site NerdWallet. Not exactly a small amount. 

The thing about speeding is that it’s not a black and white issue — a driver may be caught speeding a few miles over the limit or far past the limit. In other words, there’s a lot of room for nuance and going 5 to 10 miles per hour over the speed limit is different than going 25 to 50 miles per hour over the speed limit. 

The severity may be reflected in your speeding ticket and your car insurance rate hike. It all depends on how your state treats speeding tickets and the limits, as well as your car insurance provider. 

Each car insurance provider may treat a speeding ticket differently. While some companies only increase rates if a driver receives a ticket for going more than 15 mph over the posted limit, other companies may not increase the rate at all if it’s a first-time offense.

Of course, having multiple traffic violations, including speeding tickets can add points to your driving record. That may mean you could be at risk for sky-high insurance premiums. In the worst case, you may get your license revoked or suspended. 

Here’s where you can take a deep breath though — traffic violations don’t permanently affect your insurance rates. So if you think speeding tickets will be on your driving record forever and lead to crazy expensive rate hikes for eternity, think again. 

Most companies examine your list of traffic violations over the last three to five years when determining your rate, and once a ticket is removed from your driving record (this varies by state, but most states take away the points after three years), insurance companies can no longer hold the infraction against you (phew!). 

What can you do to lower car insurance premiums after a speeding ticket? 

If your primary concern is about cost it’s natural to wonder how much does a speeding ticket raise insurance? Just how much it increases can depend on your driving history and insurer, but there may be some ways to lower car insurance premiums after a speeding ticket. 

The first thing you want to do is see if you qualify for a defensive driving course so you can avoid getting a point added to your record. If so, then that’s a big win and can save you money in the long run. You’ll still have to pay for traffic school though and the ticket plus any associated fees. 

Next, commit to being a safe driver and be more mindful of speed while on the road. One speeding ticket isn’t the end of the world but racking up plenty more won’t do you any favors in the cost-savings department. 

You also want to see if the speeding ticket will affect your car insurance premium or not. If you have a good driving history and this is a one-off thing on a spotless record, your insurance company may not take any action. 

However, if your insurance company does raise your car insurance premium it may be for several years. Depending on the increase and your preference, it may be good to shop around and look at other coverage options. 

The bottom line

After getting hit with a speeding ticket you may worry and wonder how much does insurance go up after a speeding ticket?! It may be several hundred dollars, depending on your record, your insurer and if you can take defensive driving or not. Though it can be costly, a one-time thing is like a warning from the universe to slow down. 

Going forward, be aware of the speed limit in the area you’re driving. In the best case scenario, you won’t have a premium increase. If your car insurance premium does rise, look into getting other car insurance coverage. Low-mileage drivers can take advantage of pay-per-mile coverage with Metromile. You do things like pay for gas by the gallon. So why not pay for miles based on how much you drive? It’s car insurance that makes sense. Grab a complimentary quote with Metromile to see about potential savings.

If you get pulled over for speeding in the Golden State, you may get hit with a ticket. If you’re lucky, you may get off with a warning. But if luck isn’t on your side, then you want to make moves to deal with the ticket and prepare for the consequences. In this brief guide, we’ll cover the speeding ticket cost in California and the impact it can have on your car insurance premium.

How much does a speeding ticket cost in the state of California? 

If you’re wondering how much is a speeding ticket in California, it depends on how fast you were going as well as the location, such as speeding in a school zone or construction zone. On top of that, there may be additional charges and fees that can add up fast, making California one of the costliest places to get a speeding ticket. 

According to California Courts — The Judicial Branch of California’s website, a speeding ticket fine, plus fees and potential penalties could cost $490 or even more. But how much you’ll pay in total can vary. Let’s take a look at the California speeding ticket base fine breakdown:

• 1 to 15 MPH over speed limit = $35
• 15 to 25 MPH over speed limit = $70 
• Over 25 MPH over speed limit = $100 
• Over 100 MPH = $200 

These base rates are just the starting point and can increase by $35 if you’re found to be in a construction zone. According to an April 2018 Report on Penalty Assessment Funds, “​​Traffic infractions are generally minor offenses not punishable by time in jail but by a base fine of up to $100, and they include offenses such as speeding or failing to stop at a stop sign.”

The report also explains that you may be hit with a base fine, a penalty, or a surcharge which is added as part of the punishment, and a fee or assessment that helps recoup administrative and court costs. On top of that, the state of California adds a 20% state surcharge to base fines as well. 

Let’s take a look at some potential fees that can be added to your traffic violation for speeding. 

So in total, the maximum speeding ticket you get in California could range from $238 to $900, according to TicketClinic.com. If you get a ticket and have to pay a hefty speeding ticket fine, you may be able to request a payment plan, reduction, or community service here. 

How to proceed after getting a speeding ticket in California 

If you get a speeding ticket in California, you’ll get a “Notice to Appear” in court and will need to take action before that time. Your options include:

• Pleading guilty to speeding and paying the ticket. You may be able to pay the ticket online and be done with the case. You’ll typically have one point added to your license, which may impact your car insurance premium. 
• Pay for and attend traffic school as well as pay any fines. Going to traffic school can avoid points on your record, but you must be eligible to do so. This is typically granted for first-time offenders. 
• Go to court on your court date, where you may plead guilty, not guilty, or no contest. 

It’s important to take one of these steps so you can deal with the speeding ticket and prepare for any potential consequences. Your best bet is likely traffic school if you qualify for that option, as it could potentially save you money in insurance in the long run. 

Your car insurance may go up after getting a speeding ticket in California 

Getting a speeding ticket in California is no fun. It can be costly with the fine and fees and can add up even more when you take into account your insurance costs. If you get a point on your record for speeding it may not affect you that much —  but you may  be seen as a risk to your insurer, and your rates could potentially go up. It’s not something to worry about too much, but something to be aware of.  

According to Bankrate, if you’re 18 years of age and have full coverage and get a speeding ticket in California, your premium may rise 20%. If you’re 40 years of age and have full coverage and get a speeding ticket in California, your premium may rise 36%. 

Of course how much it goes up can depend on your age, previous driving history, and car insurance provider. If your rates go up significantly it might be time to shop around to see if there are more affordable and better options suited for you. 

The bottom line 

As you can see, the speeding ticket cost in California isn’t exactly cheap. Among all the fees, it adds up fast. If you take into consideration the rising insurance premiums, it can be an expensive blunder. So if you’re wondering how much is a speeding ticket in California, it can vary. 

If you can, go to traffic school to avoid points being added to your license. If that’s not an option, take care of the speeding ticket in California and if your rates increase, you can shop  around for new insurance. If you don’t drive that much, pay-per-mile coverage may be the best fit for you. You pay for gas by the gallon, so why not pay for miles based on how much you truly drive? See how much you can save with Metromile and get your 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.

Getting into a car accident and filing a claim can mean dealing with your insurance provider to cover costs as part of the incident. During this process, you may come across a funny word called “subrogation.” In this guide, we’re breaking down what subrogation in insurance means and how it works.

What is a subrogation insurance claim? 

If you’re dealing with a claim and see “subrogation”, it’s natural to wonder what is subrogation in insurance. According to the Merriam-Webster Dictionary, subrogation is “the assumption by a third party (such as a second creditor or an insurance company) of another’s legal right to collect a debt or damages.” (fun fact: this term was first used in the 15th century, notes Merriam-Webster). 

In other words, subrogation is the legal process that allows your insurance provider to act on your behalf to recoup costs related to an accident from a third party, such as another insurance company. 

When does subrogation happen? 

When you file a claim after an accident, your insurance company will work with you to determine who is at fault and what is or is not covered as part of the accident. If the other driver is at fault, your insurance provider can act on your behalf to recover costs from the other party’s insurance company. 

Let’s say you get into an accident where you’re not found at fault and need to make repairs and cover potential medical bills ASAP, but the process is held up with the other party’s car insurance. In that case, your car insurance provider will typically cover those expenses upfront to make the process smoother and more efficient. 

Subrogation will then occur and your car insurance provider will seek to recoup the expenses related to the accident, including the deductible, car repair costs, and medical expenses, if applicable. 

Through subrogation in insurance, you as the policyholder can file your claim and move on faster, while your insurance company does the heavy lifting to recover costs. 

Does subrogation occur when it’s not clear who’s at fault? 

Subrogation in auto insurance happens when your car insurance provider seeks payment for expenses already paid from the at-fault driver’s insurance company. So what happens if it’s not fully clear who’s at fault in the accident? While some accidents may have a clear-cut cause and party who is “at fault”, not all do. 

In this case, what happens next can vary by your car insurance policy as well as the state you live in. For example, you might pay your deductible, and your car insurance provider may pay out the remaining expenses. 

It’s also possible that your car insurance provider can go the subrogation route to recover some costs if you’re not 100 percent at fault. Through subrogation, it’s possible to get your deductible cost paid back as well on top of the other costs the insurer paid. 

How long does an insurance company have to subrogate?

The subrogation process can vary but largely happens between the two car insurance providers. Your car insurance provider supports you in your claim and through subrogation, they aim to get reimbursed for expenses when the fault is determined. It could take months or even longer to determine who is at fault in some cases, so subrogation benefits the policyholder and helps the insurance provider recover funds related to a claim. 

If you’re curious how long does an insurance company have to subrogate, it depends on the state’s statute of limitations. 

According to Legal Beagle, “When an insurance carrier or other entity pays a claim for an injured client that is not at fault for their injuries, the insurance company may then attempt to recoup payments from the party that is at fault for the incident. The process of recouping paid claims is called subrogation. Each state sets its own statute of limitations, indicating the length of time after an incident an insurance company may file a subrogation claim.”

Legal Beagle notes that most states have one to six years to file subrogation insurance claims. 

What a waiver of subrogation means (and what to be aware of) 

During the subrogation process, your insurance provider acts on your behalf to recover costs based on your claim from the at-fault driver’s insurance company. Your insurance company does the hard part, and you don’t have to think about it too much. 

But if the at-fault party would like to settle the claim with you directly and without insurance interference, then you’ll need to sign a waiver of subrogation. 

A waiver of subrogation is forfeiting the ability for your insurance company to recover costs. Because the other party wants to settle, a waiver of subrogation signs your rights away so that the insurance company doesn’t have any legal right to get reimbursed. 

Obviously, this is a pretty big deal, so it’s important to discuss with your insurance carrier before making any decisions or moving forward with a waiver of subrogation. 

The bottom line 

Subrogation insurance claims mostly involve your insurance provider, but it’s good to be aware of what this process is and how it works. It’s especially important to be mindful if you’re considering signing a waiver of subrogation. Be sure to stay in touch with your insurance provider if you have questions about your claim or if you’re thinking of settling and signing a waiver. 

If you want to check out different car insurance options, consider pay-per-mile car insurance, ideally suited for low-mileage drivers. Why pay more than you need to, when you can simply pay for the miles you drive? Get car insurance that makes sense and never pay more than you should. Get a quote for pay-per-mile coverage with Metromile 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.