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).

Introducing the Metromile Claims Team

We recently announced that we are bringing claims in-house, and with this exciting update comes a whole new department here at Metromile. So, without further ado, here are some of the hardworking and dedicated members of the new Metromile Claims Team.

Metromile_claims_team

Thomas Turner, Claims Compliance & Ethics Specialist 
Around the office he’s known as the walking rolodex. According to Thomas, “Metromile offered me a great opportunity to build something really neat and useful from the ground up. I walked away from my first meetings here with the impression that my co-workers were bright, driven, interesting folks with whom I’d enjoy spending time–all of which has turned out to be true.” As the “compliance guru” he’s tasked with making sure the company meets our regulatory responsibilities on all levels, in every area, on a state-by-state basis. His goal is to have the “Metromile equivalent of The Hitchhiker’s Guide to the Galaxy, but focused on the claims universe and with a set of ethics guidelines to go along with it.”

Chis Laurent, Claims Business Analyst
Known as the “tech guru” within the claims team, Chris has a background of nearly seven years of working in claims. He analyzes business requirements of systems for our end customers in order to effect and improve efficiency and help make sure there is always smooth claims handling for everyone. He says that when he joined Metromile “I was excited and up for the challenge. I always like trying new things and expanding my experience within in the industry. I love cars and have a background in glass installing, which makes me passionate about insurance.”

Carolyn Wilson, Claims Training and Process Consultant
Carolyn is tasked with keeping the team organized and disciplined. Starting in claims almost 20 years ago as a claims rep, she found herself with a terrific opportunity to take her passion (mentoring new people) to being a state trainer and eventually moved into corporate training. She says: “I wanted to join Metromile because I enjoy being on the ground floor and involved in things I would never have had the opportunity to do. Also, it’s so much fun to work with people far smarter than me to turn ideas into reality.” When there are new hires on the claims team, she works with a few other great people to help onboard and train them. Mostly, she “takes the creative minds of everyone on our team and helps to figure out what the process might be.”

Dara Miller, Subrogation Representative
Dara has worked in the claims environment for 11 years working on everything from personal lines insurance and special lines insurance to being a claims processor, loss assignor and also a claims representative in the past. When a Metromile customer is in an accident and not at fault, she works to collect money back from the at fault insurance company to reimburse the customer’s policy and deductible. She says she “joined Metromile because of the people and the amazing culture. I love the innovation of Metromile and I am so glad I am a part of this company.”

We are so excited to have them a part of our Metromile family. They truly do so much for our company and help create fiercely loyal customers. You can learn more about our claims process here.

The Dangers of Drowsy Driving

The following is a guest post from Scott Huntington, who writes about driving, cars, and more on his blog Off The Throttle and all over the internet. Follow him on Twitter @SMHuntington.

You may feel safe on long car trips because you’re a careful driver, but don’t overlook the dangers of drowsy driving. It causes 7% of all crashes in the U.S. and is responsible for more than 20% of fatal vehicle crashes nationwide every year.

drowsy_driving

Drivers who only sleep four to five hours can be as impaired as people who are legally drunk. Even drivers who only get slightly less sleep — one to two hours — have double the risk of crashing than someone who has the required eight hours. There are many reasons that people become drowsy drivers. They may be unable to get sufficient sleep, operate under a chronic sleep debt or having demanding jobs that require them to do activities that lead to fragmented or insufficient sleep.

What can you do if you feel drowsy while driving? First, pull over and take a nap. Even 15 to 20 minutes’ worth of sleep can refresh you enough to make your driving safer. Second, drink two cups of coffee. Caffeine does work to some degree! Wait one-half hour and then resume driving.

When you drive distances of 100 miles or more, take a break every two hours. The breaks will refresh you and keep you alert.

If possible, treat drowsy drivers as you would drunk drivers. Don’t let people who’ve had only a few hours of sleep drive. Call a taxi or ride service, or else have a family member or friend drive them. Appoint a designated driver if you’re expecting a lack of sleep due to a party. This goes double if you plan on drinking.

Above all, awareness is key. If poor habits are the cause of your lack of sleep, make every effort to correct them. Drowsy driving is dangerous, so make every effort to get a good night’s sleep to prevent accidents. If you must drive, take a nap. Make the roads safer for all of us.

4 Reasons Why Self-Driving Cars Are a Big Deal

Breakthroughs in self-driving car technology are becoming more frequent, but the concept might still seem very far-off. Before you brush off the idea of driverless cars, thinking it won’t apply to your own life anytime soon, think again. It’s looking pretty likely that autonomous technology will be available for the masses in the next decade or so! If you are wondering why this is such a big deal, here are four ways that self-driving cars will revolutionize the way we get around.

self_driving_cars

  1. Taxis (and Uber and Lyft) will be a lot cheaper. Since the cost of a driver will be removed from the equation, it will be much less expensive to operate taxis and all ridesharing platforms. That means cheaper rides for everyone! Because of the lower prices, many people will opt to take taxis versus driving their own car, which means there will be fewer cars on the road. This also means less traffic and less demand for parking. The best news? This is one of the most likely scenarios to happen soon, as Uber and Lyft are key proponents of autonomous technology and already putting forth substantial efforts into its development.
  2. Lives will be saved. Self-driving cars won’t be capable of doing risky (and illegal) things like speeding or drinking and driving, which means there will be far fewer accident-related deaths. In 2013, car accidents killed 32,000 people, which means we could save close to that many lives with the intelligence of self-driving cars.
  3. There will be less pollution. While we don’t know the exact specifications of self-driving cars, it’s presumed that they will have substantial energy efficiency benefits. A new report from the Intelligent Transportation Society is one of the first to quantify the benefits and projects a 2-4% reduction in oil consumption and related greenhouse gas emissions each year as “intelligent transportation systems” become available to the masses.
  4. The elderly will have more mobility. Self-driving cars will make it easier for the elderly and those who are vision impaired to get around since they will no longer have to rely on a driver to take them places. This will give them the freedom to move around according to their own schedules.

It’s pretty clear that the introduction of self-driving cars could have a significant impact on our everyday lives. Here at Metromile, we are especially excited to see how autonomous technology evolves and develops, as we are positioned to adapt our per-mile insurance model. Because we are able to segment periods of time (like with our Uber partnership where we can identify if a driver is driving for Uber or personal use), we’ll be able to help distinguish between when a car is controlled by a human or a computer. And if per-mile insurance is truly a future-proof concept, why not get started and start saving money today? Learn more at metromile.com/insurance.