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Dispelling the Myths of Pay-As-You-Go Auto Insurance

Believe it or not: There is auto insurance based on how you drive. If you don’t drive often or long distances, you could save money with this coverage.

The COVID-19 pandemic has turned a lot of us into low-mileage drivers.

Between stay-at-home and shelter-in-place orders, you might be stuck at home quarantining or with nowhere to go. Meanwhile, if you’re now working from home, you’ve probably cut back on a lot of the miles you used to drive.

So if you’re driving less often these days, for whatever reason, you might be wondering what pay-as-you-go auto insurance is all about and if it could save you money.

We believe paying for car insurance based on the miles you drive is a fairer concept. About two-thirds of drivers in the U.S. are overpaying for their auto insurance. According to a 2018 survey of customers who saved, new Metromile customers save 47% a year on average compared to what they were paying their previous auto insurance company.

Let’s take a look at some of the most common myths about pay-as-you-go car insurance.

Myth: My rates will go up if I speed or slam on the brakes.

No judging here: if you hit the gas pedal or slam on the brakes once or twice, your auto insurance rates will not be immediately affected. 

The most important factor determining the price you pay with Metromile is how many miles you drive each month.

Myth: My driving data is sold to third-party companies, so they can have information about where I am driving.

Metromile takes steps to keep your driving data and personal information secure and private.

Metromile does not sell, share, or rent any data to unaffiliated third-parties. Rest assured the information the Metromile Pulse device accesses is used to accurately count the miles you drive each month and provide you with a fair rate. (The device helps to get your claims resolved faster, too.)

As a Metromile customer, you also have the option to disable location services, and it won’t affect your bill. But keep in mind, you won’t be able to access free smart driving features, which can help you find your parked vehicle, find out about street-sweeping tickets, and look back at your past trip details.

Myth: My pay-as-you-go insurance rates will increase if I’m driving more than usual.

There is no need to worry if you are driving more than you originally estimated. 

There is no penalty for driving more than you usually do or going over the estimate you supplied when you first signed up.

Your per-mile rate is fixed for your policy term and won’t be affected by increased driving. Plus, if you drive more than 250 miles (150 in New Jersey) in a single calendar day, your extra miles will be free as a bonus. So feel free to take that road trip.

Myth: The rates are so low, there must be coverage exclusions.

With pay-as-you-go insurance, you can have the same great insurance coverage that you are used to. Some drivers may even have higher limits at the same or lower price they paid another insurance company. 

Metromile policies are personalizable: You can choose to add comprehensive and collision coverage, roadside assistance, select different deductible amounts, and more. 

Drivers can save money with pay-as-you-go auto insurance because the premiums are dynamic. There is no need to call to let us know that you have been driving less like you might have done with your past insurer.

Myth: If I get into an accident, the claims process is going to be tedious.

In the unfortunate event of an accident, our claims team is available to help 24/7. 

You can even start filing your claim right from the Metromile app or the website. Our artificial intelligence claims assistant AVA works with the Pulse device to verify details and quickly process them. In some cases, we even pay out claims the same day.

Need a jump, tow, or locksmith? We’ve got you covered 24/7 if you add roadside assistance to your policy. 

We also have a team of licensed claims adjusters who will keep you updated on your claim’s status and can answer any questions you may have along the way.

Myth: Since this insurance model is based on mileage, I won’t be covered when I am parked.

While our pricing model is different than other insurance companies, the coverage still applies the same way as traditional insurance companies. 

Accidents can happen at any time, even when your car isn’t moving. When you choose to add comprehensive and collision coverage, you can be covered even while you are parked.

The bottom line

Pay-as-you-go auto insurance, sometimes called pay-per-mile car insurance, is insurance based on how far you drive. Your actual driving determines how much you pay instead of a flat rate like with other insurance companies.

Some drivers save by switching to pay-as-you-go auto insurance. You can see if you could save with Metromile by trying Ride Along™ for free.

Ride Along is a feature in the Metromile app that helps you get a more accurate rate. Download the app and get a free auto insurance quote to start your trial. (Remember: You’ll still need to keep your current insurance coverage unless you decide to switch to Metromile right away.) Then, drive as you typically would for about two weeks. We’ll consider how you drove, including how many miles you drove, to show you your rate. 

We think this will help you understand if you can save money before you switch to Metromile and begin your pay-as-you-go auto insurance coverage.

Making Modern Car Insurance Work for More People

Metromile's data-driven pricing can evaluate driving risks better than traditional car insurance — and save you money. We think good drivers shouldn’t have to pay a lot for car insurance.

At Metromile, we’re out to make insurance fairer and more personalized to you.

I joined Metromile because it’s a different kind of insurance company. By harnessing new technology, so customers only pay for the miles they drive, we could change car insurance from a blunt instrument into one that’s finely tuned. We could also help to level the playing field for everyone.

The key premise that powers our insurance — the majority of people who don’t drive a lot should pay less because they’re less likely to get into accidents — was just the first step. Now in select states, we’re taking the next step by factoring in the quality of miles driven. That means that our pay-per-mile insurance will consider the behavior behind each mile, in addition to the number of miles.

As with pay per mile, factoring in the quality of miles driven can result in car insurance that much more closely reflects actual risk, which means a fairer rate for all of our customers.

It might be helpful to think of Metromile’s approach to pricing insurance in terms of three layers. 

1. Getting to know you

We begin by learning about you, your vehicles, and your driving record, and look for ways to reward you with a low price to start. Most insurers stop here; I should know, as until recently, I spent more than 14 years working at a large insurance company.

2. Custom billing

The second layer unique to Metromile is the monthly bill. Instead of a typical flat-rate insurance bill like you’d find elsewhere, we break ours into a low base rate and a per-mile rate, giving you more control over how much you pay for car insurance

Idling in the driveway isn’t as risky as cruising down the highway, and we believe there’s no need to charge drivers as if it is. Pay per mile also enables us to adapt our insurance to your driving habits and lifestyle as it changes.

3. Rewarding good driving

Finally, in select states, we also look for good driving. Our analysis shows that many of our customers can receive meaningful discounts if we consider how they drive in addition to how far they drive. For example, if your average speed is safer than most, we think you should have a better price. Rest assured, we consider trends over time and not individual instances or trips.

The bottom line

Metromile considers how people drive to create more opportunities to save on car insurance in select states. It doesn’t sit right with us that safe drivers have to pay too much for car insurance. 

As our pay-per-mile insurance improves, we want to give you more control over how much you want to pay. Our goal is to customize insurance so that it is more affordable and customer-centric.

Jesse McKendry is the vice president of insurance at Metromile. He oversees the company’s insurance product management and marketing efforts. Before Metromile, Jesse spent 14 years in insurance product management and marketing at a major insurance company and has also spent nearly a decade in auto supply chain and logistics, including Daimler and General Motors.

How I Drive: I Am a Turo Host to Help Pay for My Teslas

Julie S. shares a Tesla Model S and Tesla Model X on Turo. She covers both cars with Metromile and claims to save 80% on her car insurance bill.
Julie & her Tesla Model S – fresh off the production line!

Julie Santiano is a Los Angeles native armed with a duo of Tesla vehicles and a penchant for helping to create a more sustainable and environmentally-friendly future. She shares her Tesla Model S and Tesla Model X on Turo to help people live out special moments. Julie chose Metromile car insurance to benefit from the transparent pay-per-mile pricing.

You own two Teslas! What’s the appeal for you?

I moved up to the San Francisco Bay Area a couple of years ago to work at an electric vehicle company. I’m a huge fan of a sustainable future, and a big part of that is improving cars on the road. I normally wouldn’t be able to afford a Tesla, but hosting through Turo had made it a lot more affordable and accessible. 

Are the people who book your cars on Turo techies like you?

Definitely — A lot of the reservations I get are out-of-towners, who have never driven a Tesla, and Bay Area locals who want to do a test drive before committing to owning and garaging one.  

Your Turo profile shows you’ve completed training on enhanced cleaning and disinfection practices. Is this something you did because of COVID-19?

I’m a neat freak anyway, so I’m always cleaning and detailing my cars! It’s my way to check in with the car between rentals. I want my guests to enjoy their experience, knowing they’re safe. 

How have Turo bookings changed because of COVID-19?

In the past, there were more bookings for weddings — brides and grooms wanting to roll up in style to their rehearsal dinner — just to add another special experience to their whole wedding weekend. Since COVID-19, I’ve seen more folks booking luxury weekend getaways — lots of trips down to Monterey and Santa Cruz. Some people will even rent one of my Teslas for a week to head down to Los Angeles or Yosemite.

How did you hear about Metromile?

I had been anxiously waiting for your partnership with Turo to launch since you announced it last year! I got really excited about Metromile and being able to remove the renters’ miles from my personal expenses.  Anything that simplifies my processes — I’m all about it!

What was your old car insurance like compared to Metromile?

I had been with my last insurance company for 10 years. I hated that I was double paying for insurance, with my policy and Turo’s coverage. I always meant to shop around for car insurance but never did. There was always so much ambiguity. 

I like Metromile because it’s super transparent. I don’t feel like you’re trying to give me a run for my money, and that alone makes it worth it. Teslas are really expensive, but with Metromile, I’m able to have the coverage I need; and I’m seeing about an 80% savings! Now I have peace of mind that I’m not leaving money on the table. Knowing I’m not getting ripped off is great.

What is your favorite Metromile feature?

I like that my bill is paid automatically. I don’t have to think about my coverage, and I’m still being taken care of. Your process for filing a claim is so seamless compared to my previous insurer. Setting up and plugging in the Pulse device was super easy. I love it!

Everything You Need to Know About Pay-Per-Mile Car Insurance

Here's your guide to everything you might want to know about pay-per-mile auto insurance: how it works, savings, whether you should switch, and more.

Wouldn’t it be great if we could cut down one of our most expensive bills by paying only for what we use? Some car insurance companies say they want to do exactly that with pay-per-mile auto insurance. Low-mileage drivers could save with pay-per-mile car insurance, but it can be hard to understand what that means. You might ask: If I drive every day, am I a low-mileage driver? Alternatively, how low is low?

We have the answers. Consider this guide if you’ve ever wondered about pay-per-mile car insurance or how you can keep car insurance costs low.

What is pay-per-mile auto insurance?

Pay-per-mile car insurance is insurance based on how far you drive. Instead of paying a flat rate that doesn’t change like with other insurance companies, your actual driving determines your car insurance premiums.

While different companies might offer pay-per-mile car insurance, sometimes called “pay as you go” car insurance or “pay as you drive” car insurance, Metromile is a leading pay-per-mile car insurance company in the U.S. The company started to create a new type of insurance personalized to each driver and their unique lifestyle.

Metromile’s pay-per-mile car insurance is currently available in Arizona, California, Illinois, Oregon, New Jersey, Pennsylvania, Virginia, and Washington state.

How much does pay-per-mile car insurance cost?

After you get started with pay-per-mile car insurance, you’ll notice your bill includes two parts: a low monthly base rate and a per-mile rate.

The monthly base rate helps keep your car covered, even when you’re not driving. You can think of the monthly base rate like the fee your cell phone provider might charge you to keep your telephone number and line open.

The per-mile rate counts how far you drive. The rate doesn’t consider how long you are in your car, so you won’t ever get penalized if you’re stuck in bumper-to-bumper traffic.

For example, if your base rate is $29 per month and your per-mile rate is 6 cents per mile, your bill would be just $56 if you drove 450 miles that month.

As an added value, pay-per-mile car insurance often comes with a daily cap. Your miles are free after you drive 250 miles (150 in New Jersey) in a single day. The bonus lets you avoid any surprises on your bill and can help prevent stress. There’s no worry of “going over” with pay-per-mile car insurance.

How are pay-per-mile car insurance rates determined?

Unlike traditional insurance, pay-per-mile car insurance rates focus on someone’s actual driving.

Driving behavior, including how many miles someone drives, and the coverage selected, are the main factors Metromile considers. Other factors include the vehicle and type of insurance policy. Depending on the state, Metromile also considers how long someone’s had insurance before, claims history, and other information.

In contrast, traditional insurance rates may weigh more heavily on a driver’s age, gender, marital status, credit score, ZIP Code, or driving records, depending on the company, policy, and state. Often, insurance companies rely on these factors to determine the risk of large groups of drivers and might not personalize rates on a more individualized basis. Instead, Metromile uses technology and observed driving to help price rates down to the mile for each driver.

How much can you save with pay-per-mile auto insurance?

The savings can add up with pay-per-mile car insurance if you don’t drive much. Drivers saved $741 a year on average when they switch to Metromile, according to a recent survey of new customers who saved.

But drivers can save even more if they drive less.

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

Metromile also offers customers additional discounts to drivers who insure multiple cars on the same policy or install an anti-theft device or other equipment to make their vehicles safer. Drivers could also benefit from lower rates for their safe driving.

Who should get pay-per-mile car insurance?

Most Americans could find value by switching to pay-per-mile auto insurance. According to the U.S. Department of Transportation, Americans drive about 13,500 miles a year on average. Now, with more and more people working from home and taking fewer personal trips, chances are you are using your car even less.

If you drive 37 miles or fewer per day, you could save money on your premiums with pay-per-mile car insurance.

Drivers who could benefit from pay-per-mile car insurance include:

Even if you commute regularly or spend a lot of time in your car, you could save. Pay-per-mile car insurance doesn’t charge you for how long you drive because it focuses on miles driven.

How does pay-per-mile auto insurance work?

With pay-per-mile car insurance, your driving determines how much you pay for car insurance each month. This can give you more control over your costs, especially helpful if you keep a close eye on your car budget.

Metromile provides drivers with the Metromile Pulse device, a small wireless device that connects you to your car. The device accurately and securely counts the miles you drive to help bill you every month. 

Installation is easy and can take minutes because the device plugs into your vehicle’s onboard diagnostic port, generally next to the driver’s side door, beneath the steering wheel, or around the center console. The onboard diagnostic port is the same connection your mechanic might use to check your car’s health in the garage.

The Pulse device needs to stay connected to your vehicle at all times, and Metromile customers are glad they do. The device helps power some smart-driving features. You can find your car’s location, know when street sweeping is happening in select cities, check your miles, review your trips, and more.

Some connected vehicle owners may not need a Pulse device or other additional equipment. Soon, owners of eligible Ford vehicles with built-in connectivity can opt in and connect their vehicle so that Metromile can count any miles driven directly from the vehicle’s odometer.

What type of coverage does pay-per-mile car insurance provide?

Metromile lets you personalize your auto insurance policy to your lifestyle and needs.

Metromile offers four different levels of liability protection and choices for your comprehensive and collision deductibles.

And your car will be covered, even when you’re not paying your per-mile rate. For example, when your car is parked, Metromile will cover your vehicle with comprehensive coverage when relevant.

How do claims work with pay-per-mile auto insurance?

Pay-per-mile car insurance provides the same types of coverage as other insurance companies. Licensed insurance specialists are available, and you can file a claim 24/7, online through the mobile app or Metromile website or by calling.

Drivers can also add roadside assistance to cover lockouts, flat tires, and towing, and an allowance for rental car reimbursements, to their policy.

Metromile also has a direct repair program, which can help expedite claims by making repairs more seamless. For example, Metromile customers can get notified of updates for their repair, changes to pricing, or service delays when they work with a participating repair shop. Metromile customers can use the Metromile app or log into their online account to find a nearby participating repair shop or see if their favorite garage is on the list.

The bottom line

Don’t be fooled: For many drivers, pay-per-mile car insurance can provide the same coverage as other insurance companies at a lower cost.

You don’t need to sacrifice your driving experience with pay-per-mile auto insurance, especially if you don’t drive much or are driving less than you have previously.

How I Drive: I Insure My Car Collection with Metromile

Leon with his pair of black Maseratis

To say Southern California resident Leon is a “car guy” is an understatement. Even with his collection of cars — now in the double digits, ranging from a Nissan Versa sedan to a high-end Maserati Ghibli — he manages to save on his insurance with Metromile’s fractional car insurance.

How did you start hosting on Turo?

I’ve always been a big car fan, even since I was a little kid. I’ve met a lot of great people from hosting, and it’s been a way to make a bit of extra income. 

How many cars do you share on Turo?

At most, I had 22 vehicles on Turo. I started with just a few and then was able to find good deals and add more over time. The only thing is insurance is the number one issue when you have this many cars. I try to be organized, but I was juggling six to seven different insurance policies at once across different companies. I wouldn’t have had the success on Turo if it hadn’t been for Metromile — it’s so much easier now!

How do you keep track of all of your cars?

I use the Notes app on my iPhone to make different lists, like which are due for maintenance. All of the numbers and cost breakdowns are in Excel; and my wife helps me out, too. It’s much easier to manage the insurance costs now that all of them are on Metromile!

With so many cars on Turo, have you seen a pattern in your bookings? 

Absolutely. I’ve been doing this for so long now that I can almost pinpoint which car a customer is going to book. Younger customers tend to go for the Maserati over one of the economy cars.

When did you find out about Metromile?

Turo’s CEO chats with “power hosts” to get feedback and hear about our experiences at the end of the year. I had asked about the progress of your partnership with Turo and was eager to know when it was getting started. Once it launched, I hopped right on it!

Have you seen changes in Turo reservations because of COVID-19?

During the initial stay-at-home order, I took all my cars off Turo. I have many listed now and am only getting about half of the reservations I typically do since people aren’t really traveling or taking leisure trips. Lately, my economy vehicles have been getting reserved by guests who need to work since public transit is less common in Los Angeles.

What’s been the best part of your Metromile experience?

When I became a customer, I was excited to try out the Metromile app. I love it, even from my first experience interacting with it. The opening messages and visuals are very inviting and very easy to figure out. It was also so easy to install the Pulse device.

How I Drive: A Finance Expert Saves Half by Switching to Pay Per Mile Car Insurance

Eric Rosenberg enjoying the views in Ventura, California

Eric is an entrepreneur, freelance writer, and self-described personal finance expert from Ventura, California. He knows a thing or two about finding the best deals to maximize a budget. He switched to Metromile four years ago because it fits his family’s low-mileage lifestyle and now saves half of what he used to pay by paying per mile.

How did you find Metromile?

When we moved to Portland, Oregon, my old insurance company raised our rates, and the customer service was pretty bad. On a really heavy driving day, I’m only putting 10 miles on the car at most. It got me thinking: why would I pay so much when I’m driving so little? 

I like to shop around every few years to see if there is a better price out there. I came upon Metromile and got a quote. The math made sense when I saw the rates. We switched and are now saving 50% of what we used to pay! Over the years, our family has grown. Even when we moved to Southern California, we stayed with Metromile and have continued taking advantage of the great savings!

How has Metromile affected your family’s budget?

Having Metromile makes it manageable and affordable for us to have two cars. My wife’s minivan gets the most use with errands and toting the kids around. Since I’m not traveling to conferences or going into the office these days, my car just sits in the garage. You would think that it wouldn’t be worth having a secondary car that barely gets driven, but because of what we’re saving, it not only makes sense for us to keep it — it’s affordable! 

Metromile is the perfect service for having that extra car. On the occasional road trip, we appreciate the cap on the miles. We don’t feel like we’re getting gouged when we take our kids to visit their grandparents out of state.

What do you think about usage-based insurance pricing? 

Metromile’s fair, pay-per-mile pricing has changed how I think about how I buy and use other products and services. 

Soon after switching to Metromile, I did the same for my cell phone. I’ve moved away from a standard provider that charges a flat rate for data usage to one where I can pay per gigabyte of data. I’m saving $10 a month there, which doesn’t feel like a lot, but when you add that up over a year and compound potential interest earnings, it can make a huge difference in your budget and is worth checking out.

How can you save money by unbundling services?

There’s a lure with having everything bundled under one policy, in one place, on one bill. But it should be about the per unit cost and being a savvy consumer. I’m a big fan of unbundling insurance and other services. People tend to be more comfortable paying a bill that’s a consistent amount, even if it’s technically more expensive. But if I’m able to pay less overall, who cares if it’s a different balance every month?

Think of it like shopping at the grocery store: sometimes, the price per ounce is different based on the size of the container. With Metromile, I have that same insight and transparency into the pricing of my family’s car insurance. I know my per unit cost based on what I drive. If you have traditional insurance, that’s a lot harder to figure out. Metromile has revolutionized the way I think about my recurring expenses and spurred me to seek alternatives that bill more fairly based on how I’m using those services. 

I’m a travel “hacker” too. I always thought roundtrip tickets were the best value, but now with dynamic pricing, it’s sometimes less expensive to buy each flight separately. Take advantage of those rate aggregators. For a multi-city European vacation I took a few years ago, I was able to add another destination for free just by breaking up how I booked my flights! 

What do you like most about Metromile?

I consider myself a “good millennial” who wants to “self-serve” everything on the Metromile app. I appreciate that I can handle most of everything I need there, but I also know I can call someone when I need help with my policy. 

One of my favorite features is the check-engine-light tool. If anything lights up on my car’s dashboard, I check to see a warning code on the app. There was one instance where I got an alert and, since I knew what the code was, I knew it was minor enough that my car could make the drive to the shop without complicating the issue. I showed up and, since I could already tell them what was wrong with the car, they were able to give me a better repair estimate!

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! 

How I Drive: A British Expat Prefers Driving on This Side of the Pond

We’re seeing double! Metromile customer Marc Cowan & Drop Stop inventor Marc Newburger

Metromile customer Marc is a British expat who currently resides in Los Angeles. He works with a favorite product of ours, Drop Stop, a “Shark Tank”-backed company manufacturing vehicle gap fillers that block off the area between the side of your driver’s seat and middle console. Driven by a similar passion, Marc’s hunt for the best deal led him to Metromile.

We have to ask: has it been hard to learn to drive in the U.S.?

Surprisingly, no! It actually works out better for me since I’m right-handed and drive a stick shift, so I’m not forced to be ambidextrous. 

Thanks for being a Metromile customer! What spurred you to switch insurance companies? 

I was on the hunt for better insurance and pricing. During my extensive research, I read a lot of your reviews. The Metromile representative I spoke with was so good; they answered so many questions for me so quickly. My OBD-II port is used for a heads-up display, and the representative assured me I could still receive the same benefits and functionality of the Pulse device by opting for your cigarette lighter adapter. Seeing what I’d save with pay per mile insurance and having a great interaction with your service team was huge for me.

I’ve had zero issues, am paying a price that I’m happy with every month. I really believe in your company.  

Was your previous coverage different compared to Metromile?

I was paying more with my previous insurer — around $200 per month. I think they are really ripping people off. With Metromile, I’m saving $50 every month, even with a newer, better car!

Have your driving habits changed in recent months, during the COVID-19 pandemic?

Oddly enough, I’ve been driving more these days. Prior to COVID-19, my trips were more direct, to-and-from errands. Now, I’m making more of an effort to get out of the house to get some fresh air and take in the nature and scenery around Los Angeles.

Which Metromile feature do you enjoy the most?

I use the online dashboard the most. It’s cool to have quick access to all of my information in one place.

I’m also very active with my referral link. If I find a really good product or company, I want to spread the word about it!

In the fast lane: Speed-round questions!

Are you a better driver or passenger?

As I love driving and exploring, I’d have to say I’m a better driver, so I can be behind the wheel and start the adventure! 

If you could take a road trip with anyone, who would it be?

I’d love to show a family member who is no longer here around the beautiful city of Los Angeles and all of the favorite spots I think they’d love!

Do you like to listen to any music when you drive?

I love listening to Spotify and my various playlists. Each playlist is a little different!

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.

How I Drive: A Self-Proclaimed Insurance Nerd Keeps Metromile in the Family

Meet Kalona R., a Metromile customer from a suburb of Philadelphia, who knows a thing or two about insurance. Despite working for another insurance company, she has signed up her friends and family, including her grandmother, aunt, and mother, with Metromile because of the helpful customer service. She also says she saved with pay-per-mile car insurance, even when she had a long commute every day.

Kalona with her mother and grandmother – 3 generations of Metromile policy holders!

How did you find out about Metromile? Is it because you are already in the insurance industry?

I was shopping around for a new car with the help of my uncle, who’s a car salesman. He was a Metromile customer and recommended it to me. I was having a hard time getting car insurance and finding a reasonable rate; other insurance companies were dinging me because I had a year-long gap in coverage where I didn’t have a car and wasn’t driving. 

I had been commuting 100 miles a day then, and my quote with you was still better than any other insurers I had shopped around with! You were definitely the most practical option for me. 

Wow, a car salesman and an insurance insider — your family is a one-stop-shop! What have you learned about insurance?

Before I started working in insurance about four years ago, I had no idea about different kinds of coverage, but now I’m an insurance nerd. All of my friends come to me to help them with explaining the different terms and what to look for in a quote. I always recommend Metromile, even over the insurance company I work for!

Is there a story about Metromile you sometimes tell to your friends and family?

I like being able to make changes myself, right on the app. And I love the gas feature and the check engine decoder. I once got an alert that there was something wrong with my car. I had no idea! It hadn’t been driving differently or making any weird noises. Immediately I took it in to a repair shop and was able to nip the problem in the bud. It would have cost me so much more had I not gotten that message!

What do your friends and family think about Metromile?

My 60-year-old mom is on my policy, and my 85-year-old grandma has her Metromile policy, too; so does my aunt. Particularly with my grandma, I like being able to see her trips on the app and know that she’s staying close to home. I’ve referred so many friends and family members to Metromile that I’ve maxed out on the gift card rewards! 

That’s awesome! What did you do with all of the gift cards you earned?

Since my job now has me working from home, I treated myself to a nice office chair! I even had a balance left over to get my cousin a gift to celebrate their graduation.

What’s driving like for you these days now that you’re working from home?

With my new job, I was only driving 15 minutes from home. Now, with COVID-19, my bill is even lower, even though I have two cars on my policy.

What do you like most about Metromile?

I love the pay-per-mile structure. I can see the relief in my premium when I drive less.

Overall, the customer service has been really helpful and is a big part of why I’ve stayed with you for so long. No other company has asked how they can serve us better or for suggestions. I really appreciate you wanting to do better and wanting to have a conversation with me. It shows you meant it.

In the fast lane: Speed-round questions!

Are you a better driver or passenger?

I’m a better driver, hands down. I’m much more comfortable in a car when I’m the one driving!

If you could take a road trip with anyone, who would it be?

To be fair, I’m not a fan of road trips. If I had to pick a road-trip partner, it would be my best friend, Keisha. We have so much fun together, and that is important when you’re stuck in a car with someone for hours. We have the same music taste, so that helps! 

What’s your ideal weekend getaway: driving into the city or heading out to the coast?

My ideal weekend is having work off and being able to catch up on my sleep and Netflix shows.