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How to Choose the Right Auto Repair Shop After an Accident

An auto repair shop recommended by your insurance company can provide a higher level of service, including saving time and money.

It happened: Your car got damaged and needs repair.

Whether it is a flat tire or some broken glass, or worse, auto insurance can help protect your vehicle, finances, and well-being. Here is everything you might want to know about how to get your car repaired quickly.

What You Should Know About Your Auto Insurance Policy

When something happens to your car, it can be stressful. It’s why understanding your car insurance policy and the types of coverage can help provide some peace of mind. Your coverage could pay for your car repairs and help you get back on the road again.

Most states have state minimum coverage requirements, which are generally intended to ensure you have the right amount of coverage. 

You may have added higher limits or additional types of coverage for more protection. Some common add-ons and coverages for car insurance policies include:

  • Comprehensive coverage helps to cover your car for any damage not caused by a collision or crash. Think: falling objects, fire, natural disasters, theft, or vandalism. This coverage is a popular add-on because it is not only accidents that can damage your car.
  • Collision coverage helps to cover repairs to your vehicle or the cost to replace your car if it is totaled in an accident. The coverage kicks in if you crash into another car or object like a tree. It can also help cover any costs or repairs if you experience a roll-over.
  • Rental car reimbursement helps to save you money if you need a rental car after an accident. Repairs can take a long time, and if you rely on your car to get around, a rental car can feel like a must-have. Reimbursement for a rental car can help you avoid sticker shock from a pricy rental car bill.

Do you have to repair your car after an insurance claim?

You don’t have to get your car repaired right away after an accident. If there is little or no damage, or if you plan to fix everything yourself, you might not need to file a claim with your insurance company, especially if you can pay for the damage out of pocket. So, you might not need to worry if you break your rearview mirror or back into a pole.

However, if you are leasing or financing your vehicle, you may want to review your lease or financing agreement. Some leaseholders or lienholders might require you to get your vehicle repaired and do so quickly.

A good rule of thumb after an accident is to let your insurance company know. Filing a claim with your insurer can help protect you and make a stressful situation easier. 

But remember: You should always file a claim with your insurance company if you damage someone else’s car or it is not immediately clear who might be at fault. Your insurance company can help handle your damages, and you might also avoid some delays or disputes over what types of damages might be covered.

In serious cases, like when someone is injured, there is significant damage to your car, or if you have been in a hit and run, you should always let your insurance company know and file a claim. 

The Top 4 Things You Need to Know About Getting Your Car Repaired

If your car is damaged and needs repair, your car insurance policy might pay for the repairs or any replacement costs. Your car insurance company will often recommend a mechanic or a repair shop, and they might even tell you a body shop is within their network.

It can be expensive and take a lot of time to get your vehicle repaired. Make sure you understand your options and the possible advantages before you make a decision. Consider these four things before you get your car repaired:

1. Should you use a repair shop recommended by your auto insurance company?

When you file a claim or let your insurance company know about an accident, they may recommend their direct repair program or direct repair network

A direct repair network is a group of repair shops and sometimes dealerships that work with your insurance company to provide a higher level of service, which can be especially helpful for vehicle estimates and repairs.

2. Are there any benefits to using a direct repair network?

An insurer-recommended repair shop or another provider that is a part of a direct repair network is generally held to performance standards by the insurance company. 

An insurance company’s recommended repair shop might provide one or more of the following benefits:

  • No out-of-pocket costs for inspections or estimates
  • Potentially quicker repairs or lower costs for repairs
  • More accurate estimates
  • Limited lifetime warranty on repairs
  • Better communication with you and the insurance company
  • Certification for working on specific makes or types of cars, including certain brands, exotic vehicles, imported vehicles, or sports cars

Insurance companies generally work hard to make sure they work with reliable and reputable repair shops or vendors.

3. Can I pick my own mechanic or repair shop after an accident?

You have the right to choose your favorite repair shop or mechanic. Insurance companies cannot require you to visit or have your car repaired by a specific car repair shop.

When you are at your preferred garage or repair shop, make sure to get a repair estimate and let your insurance company know.

4. Can I choose what kind of replacement parts will be used for my car repair?

Some insurance companies and car insurance policies let you choose the types of replacement parts that will be used to repair your vehicle.

In some cases, your car insurance policy might require replacement parts from the original equipment manufacturer. 

Generally, you can choose between original equipment manufacturer parts, which are parts supplied by auto manufacturers under their brand or name, or generic parts.

Generic replacement parts are typically just as safe and might even be made in the same factory as branded car parts.

The bottom line

Damage to your car does not have to be a catastrophic event. Car insurance can be an important way to protect your vehicle and your sanity, which is why it is essential to personalize your policy for your lifestyle and understand how you are covered.

When you need a repair, you have the right to decide how your vehicle gets repaired, and generally, an auto repair shop recommended by your insurance company can be a good choice. It can save you money and time to go with a trusted repair shop in a direct repair network.

How to Update and Manage Your Car Insurance When You Move

The COVID-19 pandemic has turned many former office employees into remote workers, and with their jobs no longer tying them down to a particular location, some are leaving the cities they used to call home for greener pastures.

If you find yourself in this situation, it’s important to let your car insurance company know you’re moving, so they can update your address. 

Unfortunately, your premium might increase because of your new location. So it could be a good time to look for a new auto insurance policy. Metromile’s pay-per-mile car insurance charges you for the miles you drive, so drivers who don’t drive often or long distances can save hundreds of dollars by switching.

We all know how stressful moving can be. Between finding a new place to live and packing, car insurance is probably the last thing on your mind right now. But this is one more item you should add to your moving to-do list.

Why is it so important? Let’s find out.

Why do you have to change auto insurance when you move?

There are two important reasons why you need to update your auto insurance when you move. 

  1. Your car insurance company might not operate in the state where you’re moving. Each state has its own licenses for insurance, so you’ll want to make sure your car insurance company operates in your new state. You might need a new auto insurer if your old insurance company isn’t available where you are moving.
  2. Even if they do have a presence there, they might want to adjust your premiums based on your new address.
    Location matters. Many insurance companies consider where you usually park your car each night to determine the price you pay.

What if I don’t tell my car insurance company I moved?

It could be tempting to not say anything, especially if you’re concerned your premiums will go up. 

But there are a few reasons why you’ll want to let your auto insurer know you’re moving:

  1. If you move out of a state, you’ll need a new auto insurance policy before you can register your car. Failing to register your car could get you into trouble with your new state.
  2. If you get into a car accident and need to file a claim, your insurance company might cancel your policy when they find out you moved without telling them. That means you might not be covered if something goes wrong. Not to mention, driving without insurance is illegal in most states.
  3. If that doesn’t get your attention, this might: Not updating your address could be a form of insurance fraud.

We’re not trying to scare you, but we think it’s important you understand the consequences of not updating your auto insurance policy when you move.

Of course, if you’re just out of town on vacation, you don’t need to update your address.

The same goes if you’re only moving temporarily, but plan to return home in a few months. But each insurance company might have a different timeline for what constitutes a temporary move. So you should check with your provider to be sure.

Does your ZIP Code affect your car insurance? 

Your auto insurance rate is based on a number of factors, including where you live and:

  • Age
  • Driving experience
  • Safety record
  • Vehicle type and age
  • Location

So if you move, your auto insurer might update the price you pay to match the rates in your new location.

Why does your car insurance go up when you change your address?

No matter how safe a driver you are, your location is bound to impact your car insurance.

There are three reasons why the price you pay for car insurance might go up when you change your address:

  1. You move to a place with a higher rate of car accidents.
  2. You move to a place with a higher rate of stolen cars.
  3. You move to a place with higher or different state minimum insurance requirements.

So we’d expect your car insurance premium to go up if you move from a small town where there are fewer cars or more patient drivers to a big city with heavy traffic and drivers who might speed or run red lights. If you’re looking for more value from your car insurance, Metromile could help low-mileage drivers (most Americans!) save money.

On the flip side, your car insurance rate could go down if you’re leaving an urban area to someplace where there are fewer hazards on the road.

What are the state minimums where I’m moving?

Each state has different minimum coverage requirements for auto insurance.

Metromile can help you figure out what the minimum requirements for insurance coverage are if you’re moving to one of the eight states where we operate:

When should you change your car insurance when you move out of state?

Whether you’re moving out of state or across town, it’s essential to update your address.

Depending on where you go, you might also need to register your car with the local department of motor vehicles or the licensing department and get a new driver’s license. 

But with so many moving pieces, it can be confusing to figure out what to do first, and when to do it. So we put together a few steps for you to follow.

1. Let your car insurance company know before you move 

Each car insurance company has its own policies. 

So it’s important to communicate with them early and often to figure out if they offer car insurance where you are moving, how much it will cost, and exactly when you should update your policy.

2. Don’t cancel your current car insurance policy before you move 

Driving without insurance is illegal in most states.

Even if it’s only for a few days, you risk having no insurance coverage if you get into an accident.

You should also know that canceling your old insurance policy before you start a new one could increase your premiums. Auto insurers will refer to this as a “gap in coverage,” and they see it as a sign that you might be a risky driver. 

So you should wait until after you line up a new policy to cancel your old one.

3. Update your address after you move

After you move, call your insurance company and give them your new address.

Typically, you have 30 to 90 days to update your insurance, but you should verify these details with your car insurance company when you call to let them know about your upcoming move.

4. Shop for a cheaper car insurance

If your auto insurance company doesn’t operate in the new state you’re moving to, or charges too much, you can also shop for another car insurance policy.

People who don’t often drive or drive too far should look at Metromile. Metromile customers pay for the miles they drive and can save hundreds of dollars if they are a low-mileage driver. 

5. Get a driver’s license and register your car in your new state 

Once you update your car insurance, you can head over to the DMV to register your car.

The DMV will want to see proof of insurance before they approve your vehicle registration and give you new license plates. Most states will give you at least a month to register your car, but keep in mind some states require you to do it immediately! It might take a while to schedule an appointment, so it’s important to get on top of this as soon as you move. 

While you’re at the DMV, this could also be a good time to get your new driver’s license so you can knock two things off your to-do list at the same time.

What is this “pay-per-mile insurance” you keep talking about?

Pay-per-mile auto insurance lets you pay for what you use.

Most car insurance companies bundle up everything into one big insurance policy and don’t know how much you drive. But with pay-per-mile insurance, you pay for how much you drive.

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 much could Metromile save me?

Let’s take a look at how much low-mileage drivers could save with Metromile:

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

What’s next?

If you’re moving, it might be the perfect time to switch to pay-per-mile car insurance

It might seem easier to stick with your current car insurance company. But because you have to update your policy anyways, you might as well shop for the best rates while you do that.

Find out how much you could save with a free quote from Metromile.

What’s the best car insurance for teens?

Metromile could help teenagers and their parents save money on car insurance. Car insurance for teenagers doesn’t need to be expensive.

There’s nothing like the feeling of getting your first car.
But before you surprise your teenage driver with the keys to an old car on their 16th birthday, you should know car insurance might cost more than the car itself.
Teenage drivers are expensive to insure because they tend to get into car accidents more often than experienced drivers. But they also don’t drive as often as most adults. If the teenager in your family only drives to school and their part-time job, you might be able to save money with pay-per-mile car insurance.

Metromile’s pay-per-mile car insurance charges you for the miles you drive.

Why is car insurance so expensive for teens?

According to the National Highway Traffic Safety Administration, car accidents are the leading cause of death for teenagers.

Out of some 300,000 teenagers who get injured in car accidents each year, the U.S. Centers for Disease and Control (CDC) found 2,364 are involved in fatal accidents.

That comes out to more than six teenagers who die every day in car accidents.

So, naturally, it can be more expensive to insure teen drivers.

But if your teenager doesn’t drive very often, you might be able to minimize the expense by signing up for pay-per-mile insurance.

How much does car insurance cost for teenagers?

Car insurance rates gradually decline as your teenager gets older.

According to Business Insider, teen drivers can expect to pay between $1,260 and $6,777 per year on average for traditional car insurance, depending on their age and driving record:

But at Metromile, your car insurance rate is based on how much you drive. So teenagers who don’t drive as often as their parents or other drivers might save money.

For example, younger, teenage drivers, who are the primary drivers on Metromile, can pay considerably less for their car insurance.

Median base and per-mile rates for primary drivers in June 2020
** Costs calculated from median base and per-mile rates and average monthly miles driven in June 2020 for primary drivers, annualized and rounded to nearest dollar

What are the biggest risks for teen drivers?

According to the CDC, some of the leading causes of teenage car accidents include:

How can I keep my teen driver safe? 

The best way to keep your teen driver safe is to establish a clear set of rules: 

  • Buckle up. Always wear a seat belt.
  • Keep your eyes on the road. Your teenager shouldn’t use their cellphone, change the music or radio station often, check their makeup, eat or drink while they’re driving. 
  • Take your time. There’s no need to speed or tailgate, even if you’re running late.
  • You shouldn’t be drinking, especially not if you’re driving. Be strict about driving when alcohol might be involved. “Buzzed” driving, or driving while intoxicated but under the legal limit to be considered drunk driving, can be just as dangerous as drunk driving. No one, especially not teenagers under the age of 21, should consider driving after drinking.
  • Don’t drive when you’re tired. Consider setting a curfew to help ensure your younger drivers operate a vehicle only when they’re most alert.
  • No friends in the car without a responsible adult to supervise.

It’s also important for parents to lead by example. If your teenage driver sees you breaking the rules, they might think they can get away with it, too.

Is it better for teenagers to get their own car insurance or be added to their parents’ policy?

Here are a few things to keep in mind as you make your decision.

Can teenagers get their own car insurance policy?

You might be thinking about getting your teenage driver their own car insurance policy, especially if they drive their own car.

This can be a good way to shield the rest of the family from expensive insurance premiums. 

Unfortunately, teenagers might have trouble getting car insurance on their own because they’re underage. But if a parent co-signs, that could make it easier to separate the teen driver’s policy from the family’s policy. 

Should parents add a teenage driver to the family’s car insurance policy?

If your teenager drives the family car, you might be required to add them to your auto insurance policy, as they are a potential driver in your household.

This could raise your insurance rates.

But if you have a good driving record, your experience could help reduce the rate your teen would pay if they have their own car and took out a separate insurance policy. 

The catch to adding a teen driver to the family’s insurance policy is if they get a ticket or crash the car, it could raise the whole family’s rates.

5 reasons why pay-per-mile insurance makes sense for teen drivers

Teenagers drive fewer miles than any other age group.

According to the U.S. Department of Transportation’s Federal Highway Administration, teenagers drive an average of 7,624 miles per year, which is about half as many miles as adults drive, except senior drivers.

The less you drive, the more you could save with Metromile.

1. You only drive to school

If you use your car to drive to school instead of riding the bus, you probably don’t spend that much time behind the wheel.

So you might as well pay for the miles you drive.

2. You’re at college, but left your car at home

If you’re away at college for most of the year, you probably don’t put too many miles on your car. Instead, you might spend more miles on public transportation, ride-sharing, or your bike. 

With pay-per-mile insurance, you don’t pay for miles you don’t drive. College and student drivers can pay less than other drivers who might have to commute far distances for work or drive more regularly.

3. You drive an old car

It’s less expensive to insure a used or older car. Insurance companies provide lower rates because the vehicle might be cheaper or easier to repair than a newer model or a luxury car.

You also might not need as much coverage for an older car because cars tend to drop in value over time. You don’t want to have a deductible that costs more than how much your car is worth, for example.

4. You took a defensive driving course

In some states, Metromile offers discounts to teenagers who take defensive driving classes. 

Being proactive about improving your driving can demonstrate responsibility and show your insurer you are a lower-risk driver.

5. Your car has safety features

Metromile offers discounts to drivers whose cars have certain safety and anti-theft equipment. This might include automatic seat belts, airbags, alarms, tracking devices, and vehicle recovery devices.

If your vehicle is equipped with features that make your driving safer or decreases the likelihood of an accident or other car-mishap, you could be rewarded with a lower rate.

What’s next?

Does your teenager only drive to school and work?

If they don’t get behind the wheel that often, find out how much you could save with a free quote from Metromile.

What’s the best car insurance for women?

Women could be overpaying for car insurance. Metromile could help women save money on car insurance with personalized pay-per-mile policies.

Women tend to be more responsible drivers. Compared to men, they drive less often, get into fewer car accidents, and are more likely to wear seatbelts. But in many cases, women pay just as much — if not more — for car insurance than men.
That’s where Metromile comes in. If you’re a safe driver who doesn’t get behind the wheel very often, you might be able to save money with one of our personalized pay-per-mile car insurance policies.

How much do women drive?

According to the U.S. Department of Transportation’s Federal Highway Administration, women drive about 40% fewer miles than men.

The average driver logs 13,476 miles each year.

Now, take a look at how those miles are split up between men and women:

You’ll notice that in every age group, men outlap women in total miles driven each year, and the disparity only grows with age.

So by default, women drive less than average.

Why does it matter that most women drive less than men?

When it comes to insurance, the fewer miles you drive, the less risk you carry. With a pay-per-mile policy, the insurance company passes the savings onto you.

So you can reap the benefits of driving less often.

What’s the difference between regular car insurance and pay-per-mile insurance?

Most car insurance companies charge drivers a large flat rate. But if you don’t drive very much, that’s sort of like paying for an all-you-can-eat restaurant buffet when you’re only hungry enough for a small salad.

You’re overpaying to compensate for other people who drive more than you.

The way pay-per-mile car insurance works, by contrast, is you pay for the miles you drive. It’s fairer and can be more affordable. 

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

Because you get charged by the mile, a pay-per-mile insurance policy could make sense for women who drive less often than men.

How much could Metromile save women drivers?

Low-mileage drivers who switch to Metromile save hundreds of dollars on average:

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

Are women better drivers than men?

Not only do women drive less often than men, but they’re generally also more responsible on the road.

“Women tend to be better drivers than men — much better, judging by the number of deaths they cause on the road,” Nicholas Bakalar wrote for The New York Times.

But it gets worse: The Insurance Institute for Highway Safety claims “crashes involving male drivers often are more severe than those involving female drivers.” According to the institute, male drivers are more than twice as likely to be killed in a car accident. 

If you look at the causes of those fatal car accidents, male drivers are about four times more likely than women to be caught speeding, or drinking and driving.

As you might imagine, the safer you drive, the more you can save on car insurance. In some states, Metromile even offers good drivers a discount on their car insurance premiums.

5 reasons why Metromile makes sense for women

Whether you’re a college student who walks to class, a young professional who commutes to work, or a stay-at-home mom who drops her children off at school, if you don’t drive very often, you could probably save a bunch of money with pay-per-mile car insurance.

1. You’re a student

Students put fewer miles on their cars than most other drivers, and this is especially true among women.

If you’re in high school, your parents might only allow you to drive to school or a part-time job, or you might be getting around mostly by carpooling with friends.

While some college students who live on campus might not bother taking their cars with them to college during the school year, choosing to take public transportation or ride their bike when classes are in session.

Either way, if driving is more of an occasional task than a necessity, you could save money with pay-per-mile car insurance.

2. You’re a young professional

After you graduate, you might rely on your car more often to get to work.

Young professionals, especially women between the ages of 20 and 34, drive more than any other group of women. But they still put fewer miles on their cars than the average driver. After all, chances are the office is accessible by public transportation or isn’t too far away from home.

That means they could save money by switching to pay-per-mile car insurance.

3. You’re a stay-at-home mom

If you’re a stay-at-home mom, you might not get behind the wheel that often.

Whether you’re dropping your kids off at school, sports practice, or picking up groceries, if you’re not the primary driver in your family, you could probably save money with a pay-per-mile car insurance policy.

4. You’re a grandma

If you enjoy driving once in a while to visit your grandchildren or only get behind the wheel to run occasional errands, you might save money with pay-per-mile car insurance. Women who are over the age of 65 drive less often than any other group of female drivers.

And because you can control how much you want to spend each month with pay-per-mile insurance, you can reduce the chances of any surprises on your bill, especially helpful if you’re on a fixed budget or income.

5. You’re married

Regardless of your age or gender, married drivers tend to be safer drivers. They take fewer risks on the road, so they’re cheaper to insure.

If you haven’t done so already or recently got married, consider letting your insurance company know about the major milestone. You could be due for a discount or a lower rate.

What’s more: If both you and your partner drive your own cars, you could save money by adding both vehicles to the same insurance policy to take advantage of the multi-vehicle discount Metromile provides.

What’s next?

If you only drive once in a while, you might be able to save a small fortune with pay-per-mile car insurance.

Find out how much you could save with a free quote from Metromile.

What’s the Best Car Insurance for New Drivers?

Car insurance for new drivers can be expensive. Metromile could help you save money on car insurance if you’re a new driver because it considers how you drive.

If you’re a new driver, you might feel like you still have your training wheels on. Your car could give you more independence. You can drive to school, drive to work, or run errands without relying on anyone else to help you get around. Unfortunately, this newfound freedom might also come with expensive car insurance premiums until you get some more experience under your belt. But if you drive less frequently than other people you know, you might save money with pay-per-mile car insurance. Metromile puts you in the driver’s seat when it comes to your car insurance because you pay for the miles you drive.

What makes you a new driver?

When it comes to new drivers, car insurance companies generally think about four types of people:

  • Teenagers who get their driver’s licenses while they’re still in school
  • Adults who start driving later in life
  • Adults who might have a gap in their driving record because they canceled their insurance when they sold their car in the past, for example
  • Immigrants or others who are new to the U.S.

If you have less driving experience in the U.S. than others, you may be considered a new driver.

Why is car insurance so expensive for new drivers?

When setting your rates, auto insurance companies look at things like your driving record and insurance history, including how many years you’ve had your driver’s license.

But if you’re a new driver, you might not have much to show for yourself yet.

Your years of experience as a driver can be more important than your age. It’s a common myth your car insurance rate will go down automatically once you reach a certain age, but it’s not true. Auto insurance companies know you don’t become a safe driver overnight on your 18th birthday when you become an adult.

Car insurance can also be expensive if you can’t demonstrate a track record of safe driving or continuous insurance coverage over time. And if you’re a teenager or immigrant, you might not even have a credit score, which some insurance companies use to determine your rate.

How much does car insurance cost for new drivers?

Because new drivers come from all walks of life, it’s hard to put a price tag on auto insurance. Many factors influence the rate you might pay.

But here’s what we can tell you.

Insurance companies focus on risk and whether certain groups of drivers might be more likely to get into an accident when driving.

It’s not uncommon for some new drivers, such as teenagers, to pay more for car insurance than experienced drivers who have a speeding ticket, car accident — or even a DUI conviction on their record.

We also found that people who don’t have established credit histories (like immigrants) can pay about the same premium as someone with a DUI.

What is pay-per-mile auto insurance?

With pay-per-mile insurance, you pay for the miles you drive.

Metromile charges you a base rate as low as $29 per month, plus a few cents for every mile you drive, which we count with a secure device plugged into your car.

So the less you drive, the more you save on car insurance.

How much could Metromile save me on car insurance?

Here’s a look at just how much money low-mileage drivers can save with Metromile:

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

7 reasons why pay-per-mile insurance makes sense for new drivers

New drivers are diverse, and there’s not a single type of new driver. Whatever stage of life you’re in, you might not drive very much because you don’t feel as comfortable behind the wheel or might not need to drive as much as a more seasoned driver with more years of experience.

Let’s take a look at the various types of new drivers who could save money with Metromile. 

1. You’re still in school

Students tend to be part-time drivers.

Getting behind the wheel every now and then gives you a sense of freedom, but you don’t rely on your car to get around. 

If you’re in high school, you might be able to take the bus. Similarly, many college students live on campus and might leave their cars at home with their parents because they can walk or bike to classes.

Either way, you probably don’t put too many miles on your car. So with pay-per-mile insurance, you could save money by paying for the miles you drive.

2. You started driving later in life

If you start driving later in life, insurers will still consider you a new driver, even if you are a little bit older.

For example, you might be a new driver if your spouse used to do all of the driving, but you recently need a way to get around yourself.

Some people may have lived in the city their whole lives and never had any reason to get a car because they relied on public transportation. But now they’re moving somewhere else where they need a car to get to work and run errands. 

Whatever your circumstances may be, you could save money with pay-per-mile insurance if you drive occasionally.

3. You took a break from driving

If you’re looking to return to the driver’s seat after an absence, you might be considered a new driver. Even though you have previous driving experience, auto insurers like to see continuous coverage over time.

You could also be a new driver if you got rid of your car when you moved to a big city. You might also want to slowly ease back into driving because you’re used to getting around without a car.

So if you’re putting fewer miles on your car than most adults, you could probably save money with pay-per-mile insurance.

4. You just moved to the U.S.

Immigrants and others new to the U.S. might be considered new drivers.

Even if you’ve driven your whole adult life in someplace else, you might not have a driving or insurance record in the U.S. It can sometimes feel like starting from scratch, as some insurance companies might consider you to have no driving experience or a motor vehicle report they can consider.

But if you don’t plan on driving very often, you could lower your costs with pay-per-mile insurance. Unlike traditional insurance companies, Metromile focuses on someone’s actual driving, primarily how often you drive, to determine the price you pay.

5. You drive an older car

It’s less expensive to insure an older car.

Older vehicles tend to be easier to repair because parts are more readily available or cheaper for you or your mechanic to purchase and install.

A good way to save is by purchasing a used vehicle. Not only could you save big bucks by avoiding the brand-new sticker price, but you could also lower your expenses by removing collision and comprehensive coverage, which is designed to help you replace or pay for repairs to your vehicle. The extra coverage might come with a deductible that’s higher than the car is worth. This is because cars generally lose their value over time.

You can personalize your coverage with Metromile, giving you the confidence that your policy is right for your lifestyle or needs. Metromile’s pay-per-mile auto insurance offers four different levels of liability protection and choices for your comprehensive and collision deductibles so that you have greater control over how much you want to pay.

6. You took a defensive driving course

Metromile offers discounts to new drivers who take a defensive driving class in some states.

Having a defensive driving class under your belt demonstrates that you know the rules of the road and how to respond safely to dangerous situations when you’re behind the wheel. It also shows an insurance company you’re taking steps to become a safer driver.

7. Your car has safety features

In some states, Metromile offers discounts to drivers whose cars have certain safety features and anti-theft equipment. This might include automatic seat belts, airbags, alarms, tracking devices, and vehicle recovery devices.

Having these safety features on your vehicle might reduce the likelihood of getting into an accident, which car insurance companies could reward with a discount or lower premium.

What’s next?

Just starting out as a new driver? You could save by getting your insurance coverage with Metromile.
If you drive less often than most people you know, find out how much you could save with a free quote from Metromile.

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.