How to Read Your Metromile Insurance Bill

Metromile’s bills are a little different compared to other insurers. We like to think ours sets customers up for success and savings.

To get a better grasp on your driving (and savings!) you’ll want to get familiar with your monthly statement. Here’s everything you need to know.

(1) The balance section is the meat of your bill, showing all the ins and outs of the current billing period. A few things to note here:

(A) Your base rate is a fixed amount you’ll pay every month, regardless of the miles you drive. Think of this as the cost of your insurance for when your car is parked. Technically speaking, the base rate is a personalized daily rate, so you’ll have a lower base rate in months with fewer days like February. 

(B) The per mile rate is the difference-maker. We add up all the miles you’ve driven during the billing period and charge you only for each mile you drive. (Keep in mind that the per mile rate is charged at the end of the billing period while the fixed base rate is charged in advance of next month’s driving.)

(C) The adjustments line reflects small corrections — for example, we might refund a few miles if we realize a trip was shorter than initially reported.

(D) You might see a pre-payment credit. If so, it means you paid us a bit of money in advance of your first term to help reduce risk (and thus prices) and we’re crediting the pre-payment back on every bill during your first six months.

(2) The bar graph in the activity section tracks the miles you’ve driven each day. The line graph tracks your total miles for the billing period (left axis) and how those miles impact your bill (right axis). You’ll also see an at-a-glance summary of your current situation: balance, miles driven, and days left in the billing cycle.

(3) Trips for this billing cycle is a comprehensive view of trips you’ve taken during this billing cycle. Review your travels on a map, take stock of your driving habits, and even find out precisely how much each trip cost to insure.

If all of this sounds like a better way to approach your car insurance, then it’s time to sign up for Metromile — if you haven’t already!

And if you have questions about your bill, your rates, or whether Metromile is the right fit for you, we’re available to help at (888) 242-5204 or metromile.com/help.

The Unexpected Factors Distracting Drivers & How to Avoid Them

 

Distracted driving is such a deadly crisis that there’s an entire month dedicated to preventing it. Every April, the National Safety Council and other orgs participate in educating people on ways to recognize and eliminate preventable deaths from distracted driving — so let’s all do our part, too.

According to a nationwide census of fatal motor vehicle traffic crashes, more than 65,000 people were killed in car crashes in a two-year period. Of those, one in ten involved at least one distracted driver.

“Distracted” driving means the person behind the wheel is engaging in some kind of activity that diverts their attention from the road, and experts believe about 12% of distracted drivers are focusing on their phones at the time of deadly accidents. But if just a sliver of drivers are suspected of talking, listening, texting, or dialing at the time of a crash, what else is messing with drivers’ focus?

 

Research shows that everything from in-dash navigation and music apps to food choices and even your imagination can threaten to derail your attention. The good news is, knowing the common concentration traps can help you sharpen your focus behind the wheel.

Added bonus: being a safe driver can help your insurance rates. Distracted driving not only puts your safety and the safety of others at risk, it also has the potential to drive up your insurance rates. According to The Zebra’s 2018 Distracted Driving Report, being ticketed for texting or using your cell phone while driving can raise your rates by 16% — about $226 — per year.

 

Here are strategies for combating three of the biggest concentration-hijacking culprits so you can stay safe on the road:  

 

The distraction: Daydreaming. This one’s hard to stomach, but it’s true — according to data from the National Highway Traffic Safety Administration, 62% of distracted drivers “were generally distracted, inattentive, or ‘lost in thought,’” otherwise known as “daydreaming.”

 

The solution: While there’s certainly no way to turn your mind off (thankfully), there are ways you can keep your brain alert, even on the most monotonous routes. A few ideas from Popular Mechanics: keep your eyes moving every few seconds to avoid mind wandering, chew some gum or find some crunchy snacks to keep you in the present moment, and stay on your toes by imagining “what-if” scenarios (i.e. what you would do if an oncoming car unexpectedly crossed into your lane, etc.). Another way to avoid boredom-induced mind-wandering: experiment with different routes to stay engaged.

 

 

The distraction: Sleepiness. We can’t really control our mind’s natural inclination to wander, but we can control how much rest we’re getting. Drowsy driving is no joke —  sleep deprivation can have similar effects on the body as alcohol. And you don’t have to be clocking zero hours to qualify as “sleep deprived” — research shows that getting less than five hours is the same as driving drunk.

 

The solution: Do your best to get some sleep before you get behind the wheel. Sometimes it can be hard to gauge just how tired you are when you’re in the middle of a long drive, but there are telltale signs that you need to remove yourself from the road, such as trouble focusing, heavy eyelids, an inability to remember the last bit of road you drove. constant yawning, drifting lanes, and/or bobbing your head.

So what do you do if you’re en route and start to feel sleepy? If you’re driving solo and don’t have a passenger to take over, find the nearest safe spot to take a break and get rejuvenated — even if it’s just to hit a coffee shop or make a gas stop. Need a longer break? Try an app like DayUse to find a discounted nap destination.

 

 

The distraction: Eating, drinking, or smoking. According to the same research, a percentage of distracted drivers were paying more attention to their food, drinks, cigarettes, or other similar non-driving-related items when they should have been fully focused on the road.

 

The solution: The easy fix is to eliminate all these activities in the car. Yes, we mentioned that crunchy snacks might help you stay alert, and hydration is important (can’t speak on how essential that smoking habit is, though). But chowing down on a full meal or futzing with a beverage while navigating the road is another story. Do your best to eat meals outside of the car, and limit non-driving related actions that require even some hand-eye coordination.

Looking for more ways to stay safe behind the wheel? Visit our blog or follow us on Facebook, Twitter, or Instagram.

Drive a Toyota? Here’s Your Personalized Maintenance Checklist

 

Toyota drivers, rejoice! Your patience is being rewarded. Earlier this year, we shared a personalized maintenance checklist for Honda drivers, but today it is all about you. We’re excited to share a personalized maintenance checklist. According to our research, Toyota Corolla, Camry, and Prius are among the top five cars owned by Metromilers.  

 

Since 1957, these reliable, Japanese-made cars have been cruising American roads. In fact, did you know that 80% of Toyotas sold twenty years ago are still on the roads today? That’s a sign that Toyotas are pretty reliable vehicles if you ask us. Toyota makes a vehicle for everyone. Let’s dive into some of our best car care tips for all you Toyota drivers.

 

How To Keep Your Toyota Running Like New


For all Toyota models, performing regular maintenance according to the factory-recommended maintenance schedule is the best way to keep your vehicle running in optimal condition. Take care of your Toyota now and it can be part of the 80% still on the roads twenty years from now.


If you drive a Toyota Prius:
A Toyota Prius is the ultimate commuter car. Great on gas, reliable, and easy-to-drive, the Prius is one of Toyota’s top-sellers. Maintenance schedules for the Toyota Prius can either be calculated with miles or months, depending on which you reach first. If you’re a consistent commuter, you’ll want to schedule your maintenance around a mileage system; if you don’t drive the car as often, you’ll want to follow the month system.

 

Here’s a quick list of maintenance items for your new Toyota Prius:

 

  • Every 5,000 miles/6 months: Check installation of driver’s floor mat, inspect and adjust all fluid levels, inspect wiper blades, rotate tires, visually inspect brake linings/drums and brake pads/discs
  • 10,000 miles/12 months: Check installation of driver’s floor mat, inspect and adjust all fluid levels, inspect wiper blades, replace engine oil and oil filter, rotate tires, visually inspect brake linings/drums and brake pads/discs
  • 15,000 miles/18 months: Check installation of driver’s floor mat, inspect and adjust all fluid levels, inspect wiper blades, rotate tires, visually inspect brake linings/drums and brake pads/discs, and inspect the following parts: ball joints and dust covers, brake lines and hoses, cabin air filter, drive shaft boots, engine/inverter coolant, exhaust pipes and mountings, radiator, condenser and intercooler, steering gear, steering linkage and boots
  • 20,000 miles/24 months: Check installation of driver’s floor mat, inspect and adjust all fluid levels, inspect wiper blades, replace engine oil and oil filter, rotate tires, visually inspect brake linings/drums and brake pads/discs
  • 60,000 miles/48 months: Check installation of driver’s floor mat, inspect and adjust all fluid levels, inspect wiper blades, rotate tires, visually inspect brake linings/drums and brake pads/discs, replace cabin air filter, replace engine air filter, replace engine oil and oil filter
  • 100,000 miles/120 months: Check installation of driver’s floor mat, inspect and adjust all fluid levels, inspect wiper blades, rotate tires, visually inspect brake linings/drums and brake pads/discs, replace cabin air filter, replace engine oil and oil filter, replace engine coolant


If you drive a Toyota Camry:
The Toyota Camry is an incredibly reliable vehicle, and if well-taken-care-of, can stay on the road for decades. Toyota recommends a routine service appointment about every 5,000 miles for your Toyota Camry. You should also schedule additional special services at other mile intervals as well.

 

Below is a breakdown of all of the services your Camry needs and when they need to be performed:

 

  • Every 5,000 miles: Change oil and filter, check tire pressure and tread, inspect, top off fluid levels, inspect brakes and exterior light bulbs, check wiper blades and replace if needed
  • Every 15,000 miles: Check brake fluid, brake lines, and hoses, inspect steering and suspension components, check cooling system, check air filter, inspect exhaust system, rotate tires
  • Every 30,000 miles: Replace air filter (including cabin air filter), check distributor cap and ignition wires
  • Every 45,000 miles: Replace coolant and brake fluid
  • Every 90,000 miles: Change transmission fluid


It’s important to note that each service appointment should involve an oil change to promote the longevity of your engine.


General Toyota Maintenance Checklist


Low oil levels can have a disastrous effect on your Toyota’s engine, so you’ll need to check that level the most often. Following the guidelines below of items to check (but not necessarily change), you can rest assured that you have all of your bases covered:

 

  • Check the engine oil and coolant levels every time you fill the fuel tank
  • Check the transmission and brake fluid levels about once a month
  • Check your tire pressure every month, since the pressure inside the tire can change when the air temperature outside the car changes
  • Every month, check to make sure all of your lights are working properly

 

Periodic Maintenance Items By Mileage

 

  • Every 5,000 Miles
  • Check installation of driver’s floor mat
    • Inspect and adjust all fluid levels
    • Inspect wiper blades
    • Rotate tires
    • Visually inspect brake linings/drums and brake pads/discs

 

The following mileage marks are when you should have these items changed, replaced or checked. Take care of these maintenance items when this mileage shows up on your Toyota’s odometer.

 

  • 30,000 Miles
    • Inspect valve clearance
    • Replace spark plugs
    • Replace air filter
    • Inspect or replace drive belts 
  • 45,000 Miles
    • Replace engine coolant
    • Replace brake fluid
  • 60,000 Miles
    • Replace spark plugs
    • Inspect or replace drive belts
  • 75,000 Miles
    • Replace engine coolant
  • 90,000 Miles
    • Change brake fluid
    • Replace air filter
    • Replace spark plugs
    • Replace drive belts
    • Change transmission fluid

 

While it initially may seem like a lot, staying on top of these vehicle maintenance guidelines will keep your Toyota in tip-top shape for years to come.

3 Signs It’s Time to Break-Up With Traditional Auto Insurance

Admit it… Have you been with your insurer longer than you’d like? Do you find yourself thinking that the relationship might not be working? Have you considered… breaking up? We’ve all been there. No matter the circumstance, breaking up is hard to do.

Before I switched to Metromile, I was in the same boat. My first experience with car insurance was with a company that my parents used, and since I didn’t know any better, I signed up with them, too. My rate was expensive (even though I had a clean driving record) and since I usually took public transportation during my weekly commute, it felt like I was paying for something I hardly used. That all changed when I spotted a cleverly-worded Metromile ad on the train and grabbed a free quote.

To find the right insurer, you might feel like you’re kissing a lot of frogs. For me, it actually felt a lot like finding that particular person worthy of a love letter, the one who makes your heart skip a beat. I switched my insurance to Metromile nearly four years ago, and I’ve never looked back.

If you’ve experienced any of the following signs, chances are it’s time to move on. Bonus: you don’t have to wait for the end of your insurance renewal to switch. With Metromile, you can switch and sign up anytime. Beyond likely saving money, you’ll get to know a different kind of car insurer.

3 Signs It’s Time to Break-Up With Traditional Auto Insurance

The relationship feels one-sided

With traditional auto insurance, paying a flat rate regardless of how much you drive just doesn’t seem fair. With Metromile, you are always charged fairly based on how much you drive. Did you know that low-mileage drivers can potentially cut their bill in half with Metromile? Every human on this earth hates paying for things they don’t use. If you drive less than 10k miles a year like me, I bet you’re spending too much with your current insurer.

You don’t want to worry about someone stealing your car (‘s heart)

Cars are pricey, and many times they can carry the same sentimental weight as a family member. Having the peace-of-mind of knowing where your vehicle is at all times is priceless. With the Metromile Pulse, a device you plug into your car’s OBD-II port, and the accompanying app, you’ll always know where your car is located. Can your current car insurance company say that? Also, did you know that the Pulse helps recover stolen vehicles? In fact, the company has recovered 94% of stolen vehicle claims – the national average is less than 60%.

Communication has broken down

Dealing with a car insurance claim can be stressful and time consuming; the customer service helplines alone can make you feel like you’re taking a number at the DMV. I’ve found that Metromile does things differently. Not only do they have s US-based claims team, but they also have AVA, a virtual claims assistant. AVA can help with car rentals, auto body recommendations, and even provide payouts in some situations.

Be safe and see you on the road!

Still Have Questions?

Visit Metromile’s Help Center! Still have a question we haven’t answered? Call 1-888-311-2909, or send an email and the Customer Experience team will get back to you right away.
Switching to Metromile is easy and only takes a few minutes. Grab a free quote today and find out how much you could be saving!

A Love Letter to my Car Insurance Company

Hey, Metromilers! It’s Julianne! Some of you may know me from my blog, The Wink, or from my side hustle, writing here for the Metromile blog. What you may not know is that I’ve been a loyal customer of Metromile for four years! What started as a trial run has turned into what I hope will be a lifelong commitment.

In the spirit of Valentine’s Day, here’s a little love letter I penned to my one-and-only, my love, and the best car insurance I’ve ever had – Metromile.

Dear Metromile,

 

I was thinking today about how very much I love you, and how I really don’t tell you that enough. So I wanted to sit down and let you know how you’ve truly changed my life in the best ways possible.

Nearly four years ago, I saw your ad on the train:

 

Roses are red
Pay-per-mile car insurance
Could cut your bill in half
Ta-da

 

Were you talking to me? It felt like kismet. I was in an unhappy relationship with my current car insurance company and needed to get out; you were writing romantic poems and plastering them all over train cars. Was it meant to be? Were you looking for me, too?

I needed to meet you, so I got a free quote online. The rest, as they say, is history.

Although it’s been a few years since we met, every day with you feels like a new adventure. It’s a feeling of safety; a feeling of knowing that someone always has my back. Your unwavering support has carried me through some challenging moments in my life.

 

Remember the time my windshield cracked? I didn’t know what to do, but you held my hand and told me that it would be okay. You even came and fixed it the very same day. I’ve never known commitment like this before, but what I do know is that I’m all in.

 

Before you, I only felt frustration. I thought car insurance was a lost cause – something you’re required to have and pay out the nose for. I had a few car insurance companies before we met, but none ever really felt like “the one.” When you meet “the one,” you forget everything that came before and you never look back. That’s how I feel about you, Metromile. You’re my bae – before anything else. We’ve been going strong for almost half a decade and I’ve never once questioned my decision to switch. When you know, you know.

 

You never forget to remind me when I’m parked in a street sweeping zone. You always help me find my car when I forget where I parked. You help me keep my car healthy and decode problems right away. Your loyalty and dedication are what it means to be a good friend.

You truly complete me. These last few years have been the happiest of my life. I can’t tell you how lucky I feel to always have my best friend by my side (and in my pocket).

 

I can’t wait to grow old with you, because I know you’ll be there supporting me throughout my golden years. Long after the hustle and bustle of life have subsided, we’ll still be going strong together.

 

I can’t wait to see what our future holds. Happy Valentine’s Day, Metromile.

 

 

All my love,

Julianne

Tips for an Enjoyable Walk to Work

The sun is shining and it’s finally starting to warm up outside. A great way to soak up the beautiful weather is to start walking to work. Here are our top tips for an enjoyable walk commute.

walk_to_work

 

Leave the house early. If this is your first time walking to work, it could take you longer than expected, so give yourself plenty of time to get there. Even if you are a “seasoned walker” it’s better to enjoy the route without feeling rushed.

Prepare for bad weather. Grab your umbrella, rain jacket, or heavier coat if need be. And don’t forget to check your weather apps before heading out the door. Even if it appears to be sunny, there could be a rainstorm looming.

Pop on your headphones. Listen to a fun playlist, audiobook or podcast to start your day off, it’ll make your walk enjoyable. Here are some of our favorites.

Wear the right shoes. It’s important to wear comfortable and supportive walking shoes. If you want, you still can bring your nicer work shoes to change into once you get there.

Try a fitness tracker. It’ll keep you motivated to keep on stepping. You could even start a friendly competition with friends or co-workers. At the end of the day, you can feel accomplished that you beat your friends in their total steps.

Grab a backpack. Ditch your purse or briefcase. A backpack allows you to balance and carry weight easier. You’ll thank yourself later.

Stay hydrated. Fill up your water bottle and keep it handy to rehydrate yourself throughout your walk. You could even pack a snack to munch on along the way.

If you find yourself walking to work more than you are driving, pay-per-mile car insurance could be a great choice for you. Metromile helps low mileage drivers save money on insurance because the bill is based on how much you drive. Learn more and see what your potential savings could be.

How to Spring Clean Your Car with Household Items

Grab your old towels and sponges — it’s time to give your car a little spring cleaning! You don’t have to buy new cleaning products to get the job done. Here are also some useful ways to use household items to get your vehicle looking brand new again.

spring_cleaning_tips

 

  • 1 cup of baking soda and some baby shampoo mixed in a bucket of warm water cleans the exterior of your car.
  • Use your hand-held vacuum to suck up all the dirt, pet hair, or weird pieces of trash that have accumulated on your floor and seats. Sprinkle some baking soda on the floor of your car and vacuum for a fresh clean look.
  • To help remove stains, use carpet stain remover used for the carpeting inside your home. If you don’t have a bottle already, mix some cornstarch with a little water together to make a paste. Then scrub it into grease stained areas and let it sit. Once dry, vacuum it up or brush it away and voila — clean carpet! For small stains, mix equal parts vinegar and water together and buff through the areas that are in need of some extra TLC.
  • Clean windows are always a must. Don’t have any Windex? No problem! Simply mix water, vinegar, and alcohol together in a spray bottle to make your own glass cleaner. Use newspapers instead of paper towels to ensure a streak-free clean!
  • Grab some dryer sheets and olive oil to dust and add some shine to your car’s dashboard. You can even keep some additional dryer sheets in between your seats or under your floor mats to keep your car smelling extra fresh.

With these tips, your vehicle will look squeaky clean. If you find yourself spending more time outside and driving less during the spring season, you could save a ton of money by switching to Metromile’s pay-per-mile insurance. To see what your potential savings could be, get a quick quote now.

How Much Does a Long Commute Cost You?

The following is an infographic and  guest post from Anastasia Ivanov, a freelance writer and graphic designer for InvestmentZen with a penchant for flipping houses.

Have you ever paused for a moment to consider how much your car commute to work might be costing you? If you haven’t, the figures you are about to encounter will make your head spin.

Not only are long car commutes to work financially costly, they take so many hours that by the end of a 30-year career, you’ll have effectively spent several full months staring at other people’s tail lights.

For instance, if your commute averages 26 minutes, you spend 9 full days of your life on the road annually. That’s a steep price to pay just to get to work.

How about the financial impact? When it’s all said and done, car commutes can easily cost the average person up to a million dollars cumulatively over the course of a 30-year career in lost time and earnings. Considering how easily those lost earnings could accelerate your early retirement, you definitely want to take into account how far away you live from the office.

Moreover, when you consider the health and environmental impact that comes with a long commute such as the increased pollution from emissions along with increased stress levels and the risk of developing high blood pressure, you’ll better understand why Metromile is so passionate about rewarding people who spend less time in their cars.

Metromile’s pay-per-mile insurance is not only the most practical policy, it’s also one of the few policies available that reward you for your sound lifestyle choices.

To see more details about how expensive a long commute can be, just take a look at the infographic below by InvestmentZen. (more…)

Why I’m a Loyal Metromile Customer

Robert C. is a fiercely loyal customer and has been a part of the Metromile family since September of 2015. Here is a review of his Metromile experience so far.

Metromile_review

I was attracted to Metromile because the company has a different way of thinking. They truly care about their customers and pay attention to their needs. I appreciate when I call in and I feel the Customer Experience team listens and hears me. They are not in a hurry to get off the phone like my old company!

I like that their smart driving app allows me the check on where my vehicle is currently parked. I was recently at a mall and couldn’t remember where we left the Jeep and the app helped me find it. Overall, the app helps me drive smarter. I can decode my car’s check engine lights, and also see how much fuel costs. I have the ability to look and see if I could do anything better.

With pay-per-mile insurance, I have been saving $1,000 a year. I put my extra savings toward paying off my truck payments and also put a little bit more toward other bills I have. The best part was taking my wife out to an awesome dinner at a fancy restaurant.

Editor’s note: We always love hearing from happy customers like Robert! If this Metromile review has sparked your interest in pay-per-mile insurance, try getting a quick quote to see how much you could save.

6 Ways to Have a Great Road Trip Experience

The following post is from guest writer Gallard Joaquin, a freelance content writer with a background in travel and lifestyle. By traveling the world and writing about his experiences, he enjoys helping others find the most efficient means of travel, wherever their destination.

At almost 3.8 million square miles, the continental United States is a great place to have an epic road trip. With the varied landscapes from the snow-tipped mountains of Colorado to the lush prairies of the Midwest, there are plenty of environments to explore and a variety of things to see. But what’s the best way to have a road trip experience with your family or group of friends? Keep reading to learn about the six best road trip tips.

road_trip_tips

1. Aim for Comfort

Despite sitting for a long period of time, road tripping can be exhausting work. It’s important not to wear yourself or your companions out. There are many ways you can accomplish this including never driving for more than eight hours a day, spending the extra dollar for a nicer hotel, taking periodic breaks along the way, and even considering a roomier passenger van rental. You don’t want to look at the road every morning with dread, thinking about your aching back.

2. Take Your Time

Part of the thrill of a good road trip is the journey, not where you ultimately end up. We all have schedules, but vacation isn’t about adhering to them. Several attractions and sights are easily missed if you only focus on the end result of your trip and sometimes these distractions from the road can become the most memorable part of the trip.

3. Have a General Plan

Despite the importance of relaxation, comfort, and exploration, it’s always good to have a plan for your road trip. Where are you going? What do you know you want to do when you get there? What route do you want to take? How much money are you able to spend? These are logistical questions that should always be considered when planning a road trip. A spiral-bound planner can hold all these details for you.

4. Consider Buying a Map

Speaking of planning, a road map can be your best friend on a road trip. We live in an era of amazing technology, like GPS and wi-fi, but these are luxuries you won’t always have as you’re crossing the great expanses of the United States. You don’t want to find yourself lost with no reception and therefore little recourse but to ask for directions.

5. Make Time (and Space) for Eating

You may have heard the term “hangry” before. That’s because it can definitely become a real problem and cause a lot of friction and conflict between your friends and family. You should have little trouble finding places to eat if you plan accordingly, but sometimes that might not be enough. Consider bringing “emergency food” or purchasing some along the way. A cooler filled with fruit, sandwiches and other fresh food can be a solution to this problem before it even comes up.

6. Remember to Plan Your Packing Ahead of Time

What and how you pack for your road trip can depend on a lot of things including where you’re staying, the type of car you’re driving, the length of your trip, and the number of people who are traveling with you. If you don’t plan ahead, you may find yourself with piles of luggage you didn’t realize you were going to have. Make sure you and your family or friends consider these questions before packing your luggage to ensure everything fits and no one has to repack.

Before hitting the open road, plan for a great experience with these great road trip tips. Try them out on your next cross country trip and decide which ones work best for you! Editor’s note: don’t forget that Metromile customers can road trip with ease — we don’t charge for miles driven over 250/day (150 in certain states).