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What’s the Best Car Insurance for Seniors?

Now that you’re retired, we wouldn’t be surprised if you drive less often than before because you’re not commuting to work every day.

Chances are you’re probably putting fewer miles on your car.

That means you might save money by switching to pay-per-mile car insurance. Metromile’s pay-per-mile car insurance policies only charge you for the miles you drive, which gives you more control over how much you pay.

With that in mind, let’s take a closer look at why Metromile might be the best car insurance for senior citizens.

5 reasons pay-per-mile insurance makes sense for seniors

Let’s take a look at how senior drivers could save money with Metromile:

1. You’re not ready to give up your keys just yet. 

Seniors are driving later in life than ever before.

According to the U.S. Department of Transportation’s Federal Highway Administration, more than 45 million people who were 65 years or older had a driver’s license as of 2018, the most recent year for which data is available. That means about 72% more senior drivers are on the road than 20 years prior in 1998.

That might not surprise you, but what’s more astonishing is that more than 4 million of these senior drivers are at least 85 years old. 

We believe driving can give seniors a sense of independence. If you have your own car, you don’t have to rely on family or friends to get around; you can continue to take care of yourself instead of depending on others.

That’s a great reason to stay behind the wheel, and as a responsible driver, you’ll need a car insurance policy that matches your driving habits and lifestyle.

2. You don’t drive as much these days

While you still enjoy driving, you probably don’t get behind the wheel as much as you used to.

Seniors drive an average of 7,646 miles per year, which is about half as much as most drivers, according to the Federal Highway Administration. 

This sharp decline might be a reflection of the fewer responsibilities you have at this stage of life. For example: 

  • If you recently retired, you no longer have to drive to work five days a week. 
  • If you’re an empty nester, you probably stopped driving your kids around a while back.

You also might have cut back on driving for health reasons. 

Older adult drivers are more than twice as likely to report having a medical problem that makes it difficult to travel, according to a recent U.S. Centers for Disease Control and Prevention report.

One such problem is arthritis, the National Institute on Aging points out.

Your joints may get stiff, and your muscles may weaken as you get older, the institute explains.

The National institute on Aging continues: “Arthritis, which is common among older adults, might affect your ability to drive. These changes can make it harder to turn your head to look back, turn the steering wheel quickly, or brake safely.”

That’s not to say you don’t drive at all anymore. Just that you don’t drive as often as you used to.

Whatever the reason may be, if you’re driving less frequently, you might save money with Metromile’s pay-per-mile car insurance.

3. You’re living on a fixed income

You might be living on a smaller income in retirement.

If you don’t have a large nest egg and you’re mostly relying on Social Security checks, you could be facing a tighter budget than you did when you had a full-time job to pay for your expenses.

With pay-per-mile car insurance, control how much you pay each month. Car insurance can be one less thing you have to worry about.

4. You could get a discount

Metromile offers a mature driver discount in most states.

We recognize that your decades of experience behind the wheel usually translate into safer driving practices.

Generally, older adults drive more safely than other age groups, according to the U.S. Centers for Disease Control and Prevention. Older adults are more likely to wear seat belts, drive when conditions are safest, and don’t drink and drive.

These safe driving habits can help you avoid accidents. “Even at 85, senior drivers crash less often, per mile, than teens,” a Consumer Reports study found.

5. You drive an older car

Insurance companies consider the type of car you drive when determining how much you might pay for car insurance. Older vehicles tend to be cheaper to insure.

So if you drive an older car, we’re happy to pass the savings on to you.

How much do Metromile customers save?

People who don’t drive often (the majority of Americans) and switch to Metromile can save hundreds of dollars. The table below shows you just how much the average driver can expect to save based on how many miles they drive each year, month, or week.

Keep in mind: seniors drive an average of 7,646 miles per year, which means they could save between $500 and $700 a year. 

When you break it down by gender, older men drive 10,304 miles per year, while older women drive only 4,785 miles per year. 

What’s next?

As life slows down, you might find yourself driving less than you used to when you had a job to get to or kids to bring to school.

That’s why today could be the perfect time to switch to pay-per-mile car insurance.
If you’re driving less than you did before, find out much you could save with a free quote from Metromile.

How I Drive: Pay-Per-Mile Car Insurance Is for Sports Cars, Too!

Michael Johnson is a self-made businessman from San Leandro, California. His entrepreneurial spirit, love of sports cars, and dedication to providing top-notch service recently helped him become one of Turo’s top new hosts in the San Francisco Bay Area. As an industry insider, he recognizes the value of an excellent customer experience and holds the companies he works with to a high standard. In his view, Metromile fits the bill. He’s saved $500 a year by switching to pay-per-mile car insurance.

How did you get started as a Turo host?

I’ve always been into cars. When I was in college, I had an internship at Enterprise Rent-a-Car. I was previously working for Coca-Cola full-time and renting my car out as a side hustle when I wasn’t driving on the weekends. Then I added a second sports car, and it just snowballed from there. Now I host on Turo full-time. It never feels like work because I’m doing what I enjoy. 

Did your internship influence how you run your business on Turo?

For sure — I had gone through an intense training program as a part of my internship. Enterprise likes to recruit college students and athletes: people with a type-A personality and a competitive spirit. I tried to soak everything in so I could learn how to be the best salesman. Now I’m able to take all of this insider industry knowledge to make my business that much better. I’ve even co-authored an e-book on how to build a business sharing cars on Turo.  

What attracted you to Metromile?

I heard about your partnership early last year on calls with Turo’s upper management. Prior to Metromile, insurance was the main pain point for other Turo hosts and me because we were essentially paying for double insurance that covered when I drove and when a guest drove. I was eagerly waiting for Metromile to go live. I kept calling them, asking if it was a “go” yet! 

There are a lot of insurance options out there, but they only offer really high deductibles. I don’t use my cars for personal use very much, so being able to have affordable coverage that only charges me for the miles I drive and not the miles driven by guests — that’s huge. 

How have Turo reservations changed during the COVID-19 pandemic?

Before COVID-19 hit, I worked to scale my business, where I could still be cash flow positive. About half of my Turo business is from people traveling to the San Francisco Bay Area. To adjust, I’ve been running ads targeted at locals for staycations, folks who aren’t comfortable taking BART or other public transportation, or essential workers who don’t want to have to pay for a rideshare every day. Fortunately, I’ve seen my reservations pick back up to a pretty normal pace lately since I was able to pivot my business so quickly.

How do you get your business on Turo?

I get a lot of customers through word of mouth because my business is so local. I share my Turo profile on Instagram. With Turo, you can be more specific to what you want compared to traditional rental cars where your choices are pretty much limited to the class of car: economy or mid-size. 

I’ve built up my sports car fleet based on my interests. People on Turo are more niche; they want that sports car experience, driving up to Napa or down the California coast. They’re willing to pay more for the experience, and I want to make sure they have the best experience possible.

What have you enjoyed most about Metromile?

I’m extremely satisfied with the product I’m getting from Metromile. The Metromile app is straightforward. Navigating the app is really easy; I’m able to see everything on the dashboard, like how many miles I’ve driven at any particular time. 

Customer service is the biggest thing; it’s very personal for me. Every time I’ve called Metromile customer service, I’m able to get through to someone really quickly. I was on hold for 45 minutes with my old insurer, just to cancel my insurance policy

I usually drive whatever car isn’t rented. My personal car is a 2016 Camaro XS, and with Metromile, I’m now saving more than $500 a year or about 70% compared to what I used to pay! 

What’s the Best Car Insurance During the COVID-19 Pandemic?

The new “don’t forget” checklist: phone, wallet, keys, mask

If you’re driving less during the coronavirus pandemic, you might save money by switching to pay-per-mile car insurance.

With Metromile’s pay-per-mile car insurance, you only pay a low base rate and a few cents for the miles you drive, which gives you control over how much you want to pay.

That means people working from home or sheltering in place until it’s safe to go out again could save truckloads of money because they aren’t driving as much as they used to.

What is pay-per-mile insurance?

Pay-per-mile insurance is like buying insurance a la carte.

Similar to dining out at a restaurant, you only pay for what you need.

At Metromile, you’ll pay a base rate, starting as low as $29 per month, plus a few cents for every mile you drive, measured accurately through a secure device you plug into your car.

That means the less you drive, the more you save on car insurance.

How can I get a COVID-19 refund?

You might have heard some insurance companies are offering car insurance refunds because policyholders aren’t driving as much during the pandemic.

The savings typically range from 10% to 25% of your premiums.

Unfortunately, those discounts don’t match the decline in driving we’ve noticed from many of our customers. We don’t think that’s fair. If the risk goes down for insurers, so should the price you pay. 

That’s why Metromile offers pay-per-mile car insurance. So if you’ve reduced your miles by more than 25% during the COVID-19 pandemic, you could save even more with us simply by driving less.

3 reasons why pay-per-mile insurance makes sense during COVID-19

To see how driving habits are changing in response to COVID-19, Metromile looked at the traffic patterns in three cities — San Francisco, Portland, Oregon, and Seattle — in June 2020 and June 2019.

The changes are staggering. 

We found 22% fewer cars on the road in June 2020 than there were a year earlier, and those who still got behind the wheel drove 30% fewer miles.

What does that mean for you?

1. You could save money on car insurance wherever you live

Metromile customers in all three cities are driving far less often than they used to. 

  • Seattle noticed the biggest decline with people driving 33% fewer miles.
  • In Portland, people drove 30% fewer miles.
  • While people in San Francisco drove 28% fewer miles.

Even in San Francisco, which experienced the smallest decline, drivers could still save more money with a pay-per-mile policy than traditional auto insurers’ discounts.

Metromile customers saved about 30% on average on car insurance, beginning in April, because they pay per mile. Unlike with other insurers, they didn’t need to ask for a discount or let us know their driving habits had changed—their bills dropped automatically when they stayed home or drove less. 

2. You could save money on car insurance if you’re working from home

We also looked at how many miles people drive on weekdays compared to the previous year.

  • In Seattle, people drove 33% fewer miles.
  • In Portland, people drove 31% fewer miles.
  • In San Francisco, people drove 29% fewer miles.

It looks like people may be working from home, and they are spending much less time on the road because they don’t have to drive to work. These drivers have a lot to gain from switching to pay-per-mile insurance.

3. You could save money on car insurance if you’re following a stay-at-home or shelter-in-place order

We also looked at how many miles people drive on weekends.

This gives us a better idea of how shelter-in-place and stay-at-home orders are changing driving behaviors when people are not working and have more time to get out of the house for a few hours or take a weekend trip.

  • In San Francisco, people drove 20% fewer miles on weekends.
  • In Seattle, people drove 30% fewer miles on weekends.
  • In Portland, people drove 31% fewer miles on weekends.

Even though people are more likely to drive on the weekends, they’re still spending significantly less time behind the wheel than they did before COVID-19. Even if you take an occasional weekend road trip, you could save money by switching to pay-per-mile insurance because you’re likely driving less overall.

How much could Metromile save me in a post-pandemic world?

Some studies suggest the decline in driving may be even greater.

Between March 19, the start of many shelter-in-place and stay-at-home orders, and April 20, 2020, Metromile customers collectively drove 58% fewer miles than they did last year.

Similarly, the Brookings Institute reports traffic has declined at least 53% in every major metropolitan area across the country, based on StreetLight Data’s statistics that use drivers’ cellphones to track vehicle miles traveled. 

You might be wondering when things will get back to normal?

They might not.

The coronavirus pandemic has forced many companies to rethink their remote work policies and pushed consumers toward online shopping more than ever before. If these changes and others like them continue, it’s possible driving patterns may never fully recover, even after health officials come up with a vaccine for COVID-19 and society returns to normal.

Notably, the accounting firm KPMG sees a future where Americans drive 270 billion fewer miles each year than they did before COVID-19, which would represent more than a 9% decline in traffic. 

If you see yourself driving less in the long run, Metromile might make more sense, because you’ll only be charged for the miles you drive.

What’s next?

Right now could be the perfect time to switch to pay-per-mile car insurance.
If you’re driving less during the COVID-19 pandemic, find out much you could save with a free quote from Metromile.

What’s the Best Car Insurance for College Students?

College students know as well as anyone how expensive it can be to get an education.

Between tuition, room and board, and books, you probably don’t have much room in your budget. But one cost you might not be expecting is car insurance.

Student drivers could end up paying thousands of dollars each year in insurance premiums.

But if you’re looking for ways to save on car insurance, you’ve come to the right place. In this not-so crash course on car insurance, we’ll show you what most people pay and a few ways how smart, responsible college students might be able to save money.

How much is the average car insurance for a college student?

Student drivers can face sky-high insurance rates.

But just how expensive is it?

According to a study by ValuePenguin, college-age drivers pay between $4,000 and $7,000 each year in insurance premiums.

Take a look:

That’s more than some people spend on their first car!

Another way of looking at it? During four years of college, the average student driver will spend nearly $23,000 on car insurance. That’s almost as much as the amount of student loan debt the average student graduates with, according to Student Loan Hero.

Why is car insurance so expensive for college students?

Many auto insurers grade on a curve.

“Teenage drivers represent the highest risk segment of the population and are involved in more serious and fatal accidents than anyone else,” according to the Insurance Information Institute, an insurance industry association. 

“From the insurance company’s standpoint, high risk requires a higher insurance premium.”

Even if you’re a responsible driver, you could still end up paying for other people’s bad habits behind the wheel

“Motor vehicle crashes are the leading cause of death among teens. Immaturity and lack of driving experience are the two main factors leading to the high crash rate among young people,” the Insurance Information Institute reports.

The Insurance Information Institute adds: “Teens’ lack of experience affects their recognition of and response to hazardous situations and results in dangerous practices such as speeding and tailgating.”

How can I get cheaper car insurance?

Just because the average college student pays an outrageous amount for car insurance doesn’t mean you have to.

There are a few ways you might be able to save money.

Keep the family plan

You might be able to stay on your parents’ auto insurance policy when you go to college.

While piggybacking off their positive driving record could bring your rates down a bit, it will probably raise your parents’ rates.

According to the Insurance Information Institute, adding a teenage driver to a family’s auto insurance policy can increase rates by 50 percent to 100 percent. 

“Generally, it is cheaper to put a teenage driver on the family policy,” the organization found.

But cheaper doesn’t necessarily mean low-cost.

So what if there was a way to show the insurance company you pose less of a risk than most college students because you’re a safe driver or don’t drive that often?

Could that lower your insurance premiums?

Ask for a discount

Some auto insurers offer discounts to responsible drivers.

For example, Metromile offers discounts for safe driving, including if you haven’t filed a claim in several years. These discounts are on top of what you save with pay per mile when you drive less.

Only pay for the miles you drive

If you don’t get behind the wheel regularly, it might make more sense to get a car insurance policy that charges you by the mile.

Pay-per-mile insurance companies like Metromile only charge you for the miles you actually drive.

The way it works is Metromile customers plug in a secure device in your car that counts how many miles you drive. You’ll pay a base rate that could be as low as $29 per month, plus a few cents for every mile you drive. 

So the less you drive, the more you’ll save.

Here’s how much the average driver saves when they switch to Metromile:

7 reasons Metromile can help college students save money on car insurance

The average American drives 13,476 miles per year, according to the U.S. Department of Transportation. 

But as a college student, you probably don’t drive nearly as often. So why pay an insurance company for all those miles you don’t drive?

Here are a few reasons why pay-per-mile car insurance might make sense for you:

  1. You’re taking classes remotely. If you’re living at home during the COVID-19 pandemic, you might not drive as much as you used to. With your spring break road trip canceled and no parties to attend, because of shelter-in-place or stay-at-home orders in your area, your car might start feeling lonely.
  2. You live on campus. You’re so close you can walk (or bike) to classes. 
  3. You have a short commute. Even though you live off-campus, if you have a short drive to your classes, or take public transportation to school, you probably don’t put many miles on your car.
  4. You work near campus. Whether you work on campus as part of a work-study program or have a job nearby as a barista at a local coffee shop, unless your employer is 20 miles away, you probably aren’t putting many miles on your car.
  5. You can’t find parking. If parking spots are hard to come by in your college town, it might be easier to find another way to get around.
  6. You take rideshare when you go out. If you Uber everywhere, those are miles you’re not putting on your car.
  7. You’re a freshman. Some schools require first-year students to leave their cars at home, so they can get better acclimated to college life. If your car is parked in your family’s driveway, it’s not racking up miles.

What’s next?

If you’re tired of paying so much for car insurance when you barely drive, you might want to consider switching to a policy that only charges you for the miles you drive.
You can get a free quote from Metromile today to learn more.

How to Save on Car Insurance When You’re Working From Home

Because of the COVID-19 pandemic, many aspects of our lives are changing. Many of us are reevaluating our expenses, sometimes budgeting for the first time in a while. Recently, many jobs have also moved to remote work. 

If you transitioned to working from home, here are some steps you should consider to make the most of your new lifestyle:

1. Assess your lifestyle as you live it now.

It’s easy to get overwhelmed with all the changes the COVID-19 pandemic brought into our lives. Our routines have changed. Suddenly, we’re shopping online more frequently, skipping the usual morning latte, and maybe focusing more on necessities like groceries and utility bills like the internet.

Instead of getting bogged down in what will be a good fit, months from now, focus on how you live life today.

Start by reviewing where you stand today. For example, it can pay to look into your financial situation to understand what you’re working with and to avoid any budget surprises.

If you’re working from home, look into whether your company has provided guidance about when you might need to go back into the office. You may be in for the long haul if your company has been quiet about a return-to-office date. Notably, some large employers like Google and Uber announced they wouldn’t return to their offices until 2021. Others, like Twitter, Square, and Shopify, have entirely shifted their employees to permanent remote work. Your company may have similar plans. 

2. Find easy ways to save.

With the everyday commute and morning rush hour that was commonplace for so many of us practically gone, our car could be an easy place to look for savings. For example, the COVID-19 pandemic could be a good time to switch car insurance companies.

Car insurance coverage is a necessity, and the price we pay seems fair when we’re driving all the time. But what about now when we use our cars less?

Pay-per-mile car insurance could be a fit for many drivers now. For example, Metromile bills adapt to your lifestyle in near real-time because you pay for the miles you drive. The pricing structure can give you more control over your monthly budget, and bills can be lower because you pay just a few cents per mile.

3. Look for services that provide flexibility.

We’re interacting with our service providers differently these days, but we still expect them to be there for us when we need them. Stand-out companies should have flexible terms and be willing to adapt, just as we change our lifestyles.

Recently, large car insurance companies have made some changes to the premiums they charge drivers. Customers have recognized the unfairness of paying the same flat-rate premiums, despite driving less in response to the stay-at-home and lockdown orders enacted to avoid the spread of COVID-19. Many insurance companies offered one-time discounts or flat-rate COVID-19 discounts on their policies, but many drivers continued to overpay because their driving reduced considerably, or the savings were too small to make a difference in people’s budgets.

Low-mileage drivers (the majority of Americans!) can save with Metromile. There’s no need to wait for a discount or refund because savings are built into the pay per mile model. Metromile customers saved about 30% on average beginning in April and can continue to save because they pay per mile.

If your driving patterns change or you need to resume your regular commute again, Metromile can still help you save. Metromile customers, including essential and frontline workers, saved $741 a year on average, according to a survey of new customers who saved with Metromile in 2018. Additionally, Metromile doesn’t charge cancellation fees, so you can switch with confidence. 

Demi Greco is a communications specialist, plant mom, and under-baked cookie connoisseur from San Francisco.

Is Now a Good Time to Switch Insurance Companies?

The coronavirus pandemic has changed life for many of us. We know that now more than ever, it’s important to spend money wisely and cut costs whenever possible. While you may not be able to look for other options with large bills like your rent or utility bills, your car insurance is one area where you can save a lot of money with little work.

Here’s how you can get started to stop overpaying for coverage you might not need. 

1. Know that you can switch insurers at any time. 

Unlike some other bills, the great thing about switching car insurance is that you don’t need to wait for a specific time to do it. You can cancel your car insurance policy, and generally, your car insurance company will refund the unused portion of any premiums you paid.

2. Understand that you might be overpaying if your driving or lifestyle has changed recently.

Insurance companies will often use your age, driving and insurance history, location, the value of your vehicle, and other factors to determine how much you need to pay for car insurance.

Many people don’t realize that how much you drive is also considered. If you don’t have a regular commute or drive only when necessary, you may be paying a similar price to someone who drives hundreds of miles each month.

Many car insurance companies are offering credits, discounts, or rebates toward your bill because everyone is driving less. However, these savings may be temporary, and you may end up overpaying for car insurance if your driving and lifestyle have changed.

Unlike other insurers, you don’t need to let us know when your driving changes. Metromile’s monthly bills are based on how much you drive, so you could benefit from lower insurance costs year-round.

3. Accept that switching insurers is a lot easier than you might think.

Moving to a new insurance company will generally save you money, as you could benefit from more up-to-date rates that reflect how you drive now. Similarly, switching insurers may be a low-risk decision. Many insurers don’t charge cancellation fees if you decide to leave, although it’s always a good rule to contact your insurer or read your policy to check for any fees or penalties before you cut ties.

4. Time your switch wisely to avoid a lapse in coverage.

You don’t want to drive when you’re uninsured. To avoid a lapse in your coverage, time your new policy in effect date with your new insurer. Metromile can help you pick the day you want your coverage to start, so you can cancel your old coverage when your new coverage kicks in. This can help prevent you from paying for two policies at once unnecessarily.

5. Confirm your cancellation.

After you cancel your policy, most insurance companies will send you cancellation paperwork. If your company doesn’t provide this to you automatically, it doesn’t hurt to call and ask for a confirmation letter for your records.

If you don’t own your car, it can also be helpful to confirm that your financing or leasing company is updated about your new coverage when you switch. Some insurance companies might do the legwork of informing your financing company or lienholder, but it never hurts to double-check.

Bottom Line

Because you only pay for what you use with Metromile, pay per mile car insurance can help you avoid overpaying for coverage you might not need and help save you money.

— 

Dillon Gonzales is a Phoenix-based licensed insurance specialist with a passion for providing customers with helpful insurance information and an outstanding experience.

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

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

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


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


Talk to your partner

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


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

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

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

Review your current insurance

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


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


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


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

Shop around

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


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


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

What To Know About Car Insurance During COVID-19

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

Savings as you drive less

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

Coverage when you need it

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

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

Assistance with coverage and payments

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

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

Get rewarded for helping others

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

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

Support for the community

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

Support for our New Jersey customers

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

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

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

Car Insurance for Teens is Expensive. Here’s How to Save.

So the teenager in your household is driving. Congrats! And condolences — perhaps this exciting new development has made you aware of the fact that insurance for teen drivers can be pretty pricey. Adding a single teenager to your policy may cause your annual premium to rise by an average of 78%. It turns out there’s a good reason for this sticker shock — and plenty of good ways to work around that issue to save money on your bill.

Why is insurance for teen drivers so expensive?

When it comes to insurance costs, it’s all about risk, and teen drivers are considered some of the riskiest behind the wheel. According to the Centers for Disease Control and Prevention (CDC), motor vehicle crashes are the leading cause of death for teenagers in the United States and In 2017, 2,364 teens in the U.S. between the ages of 16-19 were killed, and about 300,000 were treated in emergency departments for injuries suffered in motor vehicle crashes. 

The CDC considers a few subgroups particularly at high risk when it comes to car crashes: male drivers, teens driving with teen passengers, and newly licensed teens. A combination of factors, including inexperience, speeding, lack of seat belt use, and alcohol use may make teens more dangerous behind the wheel, and that danger is heightened at night and on the weekends.

Even if your teen has a squeaky clean driving record, a perfect grade on their driver’s test, and no inclination toward any bad behavior, you’ll likely be paying steep rates for their coverage. The rates typically tend to decline around age 25, but for high school and college kids, prices will probably remain high. 

How can you save money on teen driver coverage?

There are some strategies to lessen the pain here. Ask your insurer if they offer discounts for a high GPA or consider enrolling your teen in a safe driving course. If your teen driver is away at college without a vehicle, they may be eligible for a discount. Remember, too, that your teen driver’s car matters; a brand new or luxury vehicle is decidedly not the way to save.

One super simple way to save money on your teen’s insurance coverage is by making the switch to pay-per-mile insurance. Most teens aren’t making major commutes everyday or in need of a vehicle 24/7. If your teen’s driving mostly consists of short trips to school and back, pay-per-mile may be a good fit — and could lead to significant savings.

A novice driver is never going to be cheap to insure, but there are ways to manage the cost without skimping on quality. Is pay-per-mile right for your teen?

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

Car Insurance When Borrowing a Car — How Does it Work?

“Hey, can you run to the store for me real quick? You can use my car,” shouts your friend from across the room while tossing you the keys. As you hop in the driver’s seat, you break into a cold sweat. “What if I get into an accident? Will my insurance still cover me?” you mutter nervously to yourself as you shift the car into reverse.

Far and away, this is one of the most common concerns we hear from customers. Today, we’re breaking down what the basics of what you need to know when you borrow someone else’s car. Let’s get into it.

Does my car insurance cover me while driving someone else’s vehicle?

The general (general — not exhaustive!) rule of thumb is that car insurance follows the car, not the driver. Therefore, if you borrow a friend’s car, you would be covered under that friend’s car insurance policy up to the policy limits they chose. This is what’s known in the biz as “permissive use.”

It’s important to note that this counts for irregular and infrequent borrowing; if a friend drives your car to work every Tuesday, your insurance carrier may feel differently about it.

What about my mom/dad/sibling/roommate’s car?

Usually, driving-age family members who live together should all be on the same insurance policy, making it just fine to swap cars. If not, they should be formally excluded from each other’s policies; importantly, a driver is generally not covered by a policy they’re excluded from, meaning you should never loan your car to someone you’ve excluded.

Roommates who aren’t direct family members can fall in a gray area; it’s a good idea to check with your insurance carrier about what’s allowed, but usually you’ll want your roommate to either be listed on or excluded from your policy.

What is primary vs. secondary coverage?

When claims get complicated, insurance companies spend time working out who is primarily responsible — that is, taking point on paying out damages — and secondarily responsible — or kicking in only when the primary coverage is exhausted.

As we mentioned, if you give someone permission to drive your vehicle, your car insurance usually takes primary coverage status. If damage exceeds your coverage limits, the driver’s policy may take over as secondary.

Am I covered if I’m using a borrowed car for business?

Here’s where things get sticky.

Some vehicles are covered by commercial policies for business use, but it gets complicated when a car is borrowed or swapped around for a use that’s out of the ordinary, or if a personal vehicle is used for some kind of transportation service (eg, Uber, Lyft, Postmates). There are lots of ins and outs and exclusions when it comes to commercial use, so it’s worth doing your homework before borrowing a car in a situation like this. 

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We hope this helped demystify the insurance implications of borrowing a car! But remember: when in doubt, check the specifics of the car insurance policy in question before getting behind the wheel. If you have any lingering questions (or any questions at all, really), do get in touch. We’re here to help!

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Julianne Sawyer is a freelance writer, app producer, and real-life Metromile customer living in the San Francisco Bay Area.