Getting car insurance before you get behind the wheel is a requirement in many states. But not all car insurance coverage is created equal. Many traditional car insurance companies have a set of factors that are exclusively used to determine your car insurance premiums. But what if you could get insurance based on how safely you drive or by how much you drive? Using telematics auto insurance you can. 

What is telematics auto insurance? 

Telematics auto insurance is a unique type of car insurance that uses telematics devices to help determine rates. While traditional car insurers and those that offer telematics insurance may use similar data points when evaluating risk, the use of telematic devices can provide a more accurate picture of your driving behavior and how frequently you drive. In theory, the driver can benefit by lowering costs based on their driving behavior or the number of miles they drive. 

There are various types of telematics auto insurance that go by different names including:

• Pay-as-you-drive insurance 
• Pay-as-you-go insurance 
• Pay-per-mile insurance 
• Usage-based insurance 

All of these types of telematics insurance may vary a bit and differ by the insurer, but are designed to benefit drivers who drive fewer miles. Instead of a flat rate that doesn’t consider how much you drive, your rate is determined by how much you drive or by the miles you drive. 

The National Association of Insurance Commissioners (NAIC) states that “Policyholders tend to think of traditional auto insurance as a fixed cost, assessed annually and usually paid for in lump sums on an annual, semi-annual, or quarterly basis. However, studies show that there is a strong correlation between claim and loss costs and mileage driven, particularly within existing price rating factors (such as class and territory).”

Driving is an activity that is inherently risky with many variables. But with less driving, there’s less risk, and consumers can stand to benefit. 

How does telematics auto insurance work? 

Telematics auto insurance utilizes telematics devices that collect various data points that insurers use to evaluate risk. 

According to the National Association of Insurance Commissioners (NAIC), “Telematics devices measure a number of elements of interest to underwriters: miles driven; time of day; where the vehicle is driven (Global Positioning System or GPS); rapid acceleration; hard braking; hard cornering; and air bag deployment.”

These data points are used and provide a more accurate picture of driving habits. If you’re considered a safe driver or a low-mileage driver, you could save money through telematics insurance. 

As part of the tracking, you may need to use a mobile app or specific telematics device to gather the data. The telematics device collects real-time information about how you drive and how much or how long you drive, which can impact your rate. 

Pay-per-mile car insurance 

Pay-per-mile insurance is one of the main types of telematics car insurance. Instead of a flat car insurance premium, you pay based on the miles you drive. Typically, there’s a base rate charged, and you pay several cents for each mile you drive. 

Low-mileage drivers can save money with pay-per-mile car insurance. In theory, if you drive less, there is less risk, and drivers can be rewarded for that. 

How much can I save with telematics insurance? 

Telematics insurance can be a smart way to save if you’re considered a safe driver and don’t put a ton of miles on your car each year. 

For example, at Metromile you’ll pay a consistent monthly base rate that starts at as low as $29/month and pay a rate that could be as low as 6 cents per mile you drive. Let’s assume you drive 450 miles per month. Your monthly car insurance premium would look like:

$29 + (450 x 6¢) = $56

If you’re a low-mileage driver, pay-per-mile insurance can save you money and reward you for driving less. Based on Metromile data*:

• If you drive 10,000 miles, you could save up to $541 per year
• If you drive 6,000 miles, you could save up to $741 per year
• If you drive 2,500 miles, you could save up to $947 per year  

Pay-per-mile coverage can be a good fit for students, people who work from home, seniors, and people who are environmentally or budget conscious and prefer to take public transportation or walk or bike places.  

If you have a long commute or tend to speed or brake hard or engage in other risky driving behaviors, telematics insurance may not be the best fit. 

Why Metromile is a great option for telematics insurance 

There are various telematics insurance options, but Metromile is one of the best options for low-mileage drivers. You can use the Ride Along app and drive for 17 days and Metromile will offer the best rate possible, plus 15% off*.

Metromile also offers the following coverage options, so you’re protected no matter what your needs are:

• Comprehensive insurance 
• Liability insurance 
• Collision insurance 
• Uninsured and underinsured insurance 
• Personal injury protection (PIP) insurance 
• Medical payments insurance
• Roadside assistance 
• Rental car insurance

If you’re worried about going over and paying too much, here’s a bonus: any miles you drive over 250 in one day are free (150 for New Jersey).  

Filing a claim is also easy using the AI-powered app AVA. In select areas,  the Metromile app offers street cleaning reminders in select areas and has a 92% stolen car return rate . Currently, Metromile is available to drivers in Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington. 

The bottom line 

Telematics car insurance uses the power of technology to score consumers better, and more accurate rates. Though there are different types of telematics insurance, one type is pay-per-mile coverage where you pay based on the miles you drive. You pay for gas by the gallon, so why not pay for insurance based on the miles you drive? It makes sense and can be a better option for consumers who don’t drive that often. Check out your prospective rate for free and how to get started with Metromile. 

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

Melanie Lockert is a freelance writer, podcast host of the Mental Health and Wealth show, and author of Dear Debt. She’s a cat mom to two jazzy cats, Miles and Thelonious, an amateur boxer, music lover, and needs coffee to function.

*Eligible drivers can save up to 15% on their initial quote with their safe driving in Oregon.

The sun’s out and the warm weather feels nice on your skin. You’re ready to head out on an adventure in your car but your plans are foiled as you see what looks like steam or smoke coming from your engine. Uh oh. Time to pull over. If you find yourself in this situation, here’s what to do when your car overheats and what may cause it. 

Why your car may be overheating 

If your car is overheating, it’s likely you have an issue with your engine and its cooling system. Your car’s engine can get extremely hot, with combustion chamber temperatures going up to a scorching 4500 degrees Fahrenheit. Because of that, all the cooling systems need to work properly to divert the heat away from the engine. So what happens when a car overheats? It could be one of the following:

• Your cooling system isn’t working properly, which may be caused by a leak 
• Defective water pump 
• Insufficient amount of oil 
• Clogged or worn out hoses or belts 
• Radiator issues 

If you suspect your car is overheating, you want to stop it quickly as it could permanently damage your engine. 

How to know if your car is overheating 

There are some telltale signs you should be aware of if you think your car is overheating. These include:

• Check engine light is activated 
• There’s an odd smell coming from your engine, which can be a sweet aroma if your coolant is leaking or burnt if there is oil leaking
• Steam which can appear to be white smoke rising from the hood of your car
• The temperature gauge for your engine reads “H” or is in the red (can vary by car, so check your owner’s manual) 

If your car is showing any of these signs, below is what to do when your car overheats and what to avoid. 

What to do when your car overheats 

If your car is oozing steam and smoke, it can feel alarming and dangerous. While scary, try to remain calm. Here are some tips for what to do when your car overheats. 

Step 1: Pull over 

If your car is overheating, the first thing you want to do is to pull over. If you’re on the highway or on a busy street, it may be difficult, but get off at the next exit or onto a shoulder (if it’s safe) and turn off your car so you stop using the engine. To allow your engine to fully cool off, keep the car off for at least 15 minutes. 

During this time, look at the temperature gauge for your engine and hopefully, it moves away from “H” or red as it begins to cool. To get the issue checked out, call roadside assistance if that’s an option or a friend or family member who can help. 

Step 2: Turn off the air conditioning and run the heat 

If you can’t pull over right away and your air conditioning is on, turn it off. Then, run the heat. It can seem counterintuitive but having the heater on can take some of the heat from the engine and reroute it. While it may mean the inside of your car is hotter, doing that can help limit the damage to your engine. 

Step 3: Review your coolant levels 

As noted above, your car overheating may be due to a coolant leak. Once you’re pulled over safely, review your coolant levels. If the coolant levels are low and you have some coolant on hand, add some coolant to tide you over until you get to the root of the issue. 

This step may help but if your car is overheating because of a hose or radiator issue, it won’t be the band-aid you need in this situation. 

Step 4: Turn your car back on and drive to a mechanic 

After allowing your car time to cool down after 15 minutes or more and adding coolant, turn your car back on and head to a mechanic. If your gauge indicates more overheating, you may need to pull over again and get a tow to safely fix your car. 

What to avoid if your car is overheating 

Having white hot smoke or steam coming out of the hood of your car feels ominous. You don’t want to make it worse, so here’s what to avoid if your car is overheating. 

Ignore the issue 

When you’re driving, you’re typically headed somewhere unless you’re going for a joyride. It’s inconvenient to deal with an issue like your car overheating and you may want to ignore it and continue driving. Pro tip: don’t. If you want to salvage your engine and maintain your safety, you want to stop driving ASAP. 

Not getting it checked out 

Using the steps listed above, you know what to do when cars overheat. But adding coolant or pulling over is a temporary fix. Even if things improve after that, you want to address what’s really happening and fix the issue. Not getting your car checked out after it overheats is a definite don’t. 

Avoid panic driving 

If you see smoke coming from your car, it can feel scary. But avoid panic driving as it can compromise your safety. Don’t excessively speed or change lanes too quickly in an attempt to pull over. 

Don’t open the car hood right away 

When you’re safely pulled over, it’s natural to want to assess what’s going on and check your engine. But you don’t want to open the car hood right away and risk being burned. As recommended, wait 15 minutes and check the gauge beforehand so you don’t put yourself in danger. 

How to prevent your car engine from overheating 

Dealing with an engine that’s overheating can feel like flirting with disaster and something you want to avoid at all costs. To prevent your car from overheating, regular car maintenance is key. You can:

• Maintain coolant levels
• Get a coolant flush
• Do regular radiator check-ups
• Perform routine car inspections

Maintenance can lead to prevention, which is always easier and more cost-effective compared to treating an issue. 

The bottom line 

What happens when a car overheats can feel scary if you’re behind the wheel. Taking the steps above, you can know what to do when your car overheats and take appropriate action. As part of your car safety, make sure you have appropriate car insurance coverage. Metromile offers roadside assistance and pay-per-mile coverage, so you pay based on the miles you drive. You pay for gas by the gallon, why not pay for insurance by the miles you drive? Grab your free quote with Metromile today. 

Melanie Lockert is a freelance writer, podcast host of the Mental Health and Wealth show, and author of Dear Debt. She’s a cat mom to two jazzy cats, Miles and Thelonious, an amateur boxer, music lover, and needs coffee to function.

Sometimes you spend so much time with your colleagues they start to feel like family, but for Senior Digital Licensed Insurance Specialist Jennifer K., some of her coworkers actually are her family. 

We recently chatted with Jennifer to hear more about why she loves working with her mom and sister at Metromile, how she’s been able to grow her own family while working from home, and why she’s a  Metromile customer herself.

How did you, your sister, and your mom all end up working at Metromile together?

It all started with my sister Erika, who joined Metromile as an underwriting assistant in August of 2018. After a few months of hearing about how much she was enjoying her time at Metromile, I decided to join the Metromile team in May of the next year. Not too long after, my mom, Christina, started at Metromile as a Senior Digital Licensed Insurance Specialist like me.

What’s it like to work with your family at Metromile?

I love that I get to work with my mom and sister! Being together at Metromile definitely allows all the three of us to keep in better contact than we would otherwise, especially as we are all working remotely – my mom and sister are both based in Arizona while I’m in Washington. My mom is on the digital team with me so I get to work fairly often with her and stay pretty in tune with what each other is working on.

As for Erika, she is on the underwriting team which comes in really handy whenever I have questions on underwriting cases. Aside from that, Erika and I are both moms so sometimes we just send pictures of our kids back and forth to each other over Slack! It’s honestly easier to get ahold of her during work hours so it’s great that we get to chat so often and stay in touch throughout our days. 

Can you tell us a bit more about your work as a Senior Digital Licensed Insurance Specialist?

I mostly work with helping customers through our new chat feature and occasionally through email – though our chat function is becoming the most popular way for customers to reach out. I also help create various Q&A resources for our digital and phone teams so we can quickly respond and help customers when they contact us. Our chat feature is definitely my main focus but I tend to have my hands in a lot of pots and enjoy helping out different teams. 

Recently, I helped build an app simulator for our customer experience team to better understand the customer experience when using our Metromile app. Now, our teams can actually see how things are done on the customer side – improving the experience for both our customers and our team. 

How has your experience been working from home?

WFH has been so amazing as it started right after I came back from maternity leave for my older daughter. I’ve been so lucky to be around for all her firsts at home – that’s such a blessing that a lot of parents don’t get. I had my second daughter during the pandemic and once again got to be there for her first crawl and steps and even during potty training. 

I wouldn’t have been able to share any of those experiences with my daughters if I had to go into an office. But, there are definitely challenges of working from home and being a mother to two young kids. My husband and I have had to find our balance over the past two years but we’ve found our groove and it’s been fairly successful. 

You’re also a Metromile customer, tell us about that! 

My husband and I have been Metromile customers since October of 2020. It’s the perfect fit for us as one of our cars doesn’t get driven very often – we save over $140 a year with Metromile! The Metromile app is super user-friendly and it’s so easy to make all of my changes online. 

Since I work with our Metromile drivers on the daily, it’s incredibly valuable to be one myself. I’m able to really understand the customer experience which helps me easily assist them with whatever issue or concern they come to us with. 

As a customer, I’ve also been able to see how much money pay-per-mile insurance has saved me and my family – I love being able to support such a great service and share my experience with friends, family, and customers. 

If you’re buying a new car, you might be excited to get a new set of wheels. But before you drive off, you’re going to need to take care of car insurance ahead of time. Having car insurance is required before you can drive your vehicle off the lot. What type of car insurance you get is up to you, but most states have minimum liability requirements. You want to take care of your insurance requirements beforehand and will need some information about the car you’re buying. Here’s what to know about car insurance when buying a car plus steps on how to get car insurance before buying a car. 

Can you get insurance without a car? 

If you don’t currently have a car insurance policy (either on your own or as part of a multi-car policy in a family), you’ll need to get your own car insurance coverage.  

If you don’t have a car yet, it can seem odd to get car insurance. But you need car insurance when buying a car before you go anywhere. So you can get insurance without a car but it’ll require some specific steps. Here’s how to get car insurance before buying a car. 

How to get car insurance before buying a car in 4 easy steps 

Step 1: Know what type of vehicle you plan on getting 

You want to do your research ahead of time and know what type of vehicle you’re planning on buying. To get car insurance, you need to provide specific information so your insurer can properly evaluate risk. The type of car you buy and how old it is can impact your car insurance rates. The information you’ll need includes:

• Vehicle make and model (manufacturer and type of car)
• VIN
• Mileage on the car
• Vehicle history report 

Having this info can make the car insurance process easier. If you were thinking about when to buy car insurance for a new car, you want to do it ahead of time to avoid any trouble. 

Step 2: Confirm with the dealership 

As part of getting the important information about the car you want to buy and securing car insurance coverage, you’ll want to confirm your upcoming purchase with the dealership. Let them know you’re planning to buy the car so you can get the info you need and get properly insured ahead of time. 

Step 3: Comparison shop for insurance quotes 

After getting the information you need to get car insurance before buying a car, it’s time to look for auto insurance coverage. It’s typically best to comparison shop and review a minimum of three insurers. 

You can look at various types of coverage including liability, comprehensive, and collision. If you won’t be driving all the time, you may be a low-mileage driver. You could lower your auto insurance costs by opting for pay-per-mile coverage. 

Step 4: Choose your auto insurer and submit an application 

After looking around at auto insurance rates, you can select the insurer you’d like to move forward with and choose what type of policy you’ll have. Make sure you have the minimum liability coverage for your state and have the best coverage type for your needs. 

You can typically fill out an application online. Make sure you provide all the information that is required. At Metromile, you can get a quote in just five minutes. 

Once you submit your application and it’s approved, you can pay your car insurance premium and have your insurance activated in time for buying the car. 

Is it possible to buy a new car without insurance? 

You might wonder if you can buy a new car and just drive home and get insured later. You think it’s not that long and it’s just for a short while. But to legally get behind the wheel, you need to have car insurance coverage. 

States have minimum requirements and you want to protect yourself and your vehicle as well. Driving without insurance may cost you financially in the event of an accident. If you get pulled over and don’t have insurance, you could get hit with fines and even a suspended license. 

As long as you’re behind the wheel, you want continuous car insurance coverage to remain in good legal standing and to protect yourself and others. 

Will a car dealership need proof of car insurance when buying a car? 

Typically, a car dealership must see proof of car insurance when buying a car. So before you get your car, you’ll need to provide proof of insurance either with your insurance card or by having your insurer contact the dealership. 

If you’re financing your vehicle, your lender may also want to verify your insurance coverage as well. You’ll also need to let the insurer know you’re financing your vehicle and have relevant information ready to avoid any trouble. 

Is it possible to get car insurance when buying a car on the same day? 

You know you need car insurance when buying a car, but can you get it the same day? You might be able to get insurance coverage within a day, but it can depend on the insurer. Make sure you have all the data you need to include in your insurance application. 

The more time you have to make it official the better. If nothing else, you might have to wait another day to pick up your car before driving it home with a proper car insurance policy in place. 

The bottom line 

Getting a new car can be exciting, but it’s key to know when to buy car insurance for a new car — ahead of time! You want to make sure you’re covered before you drive your new car and the dealership and lender may require proof of insurance as well. If you’re looking for auto coverage and won’t be driving that often, consider pay-per-mile coverage with Metromile. Why pay for miles you aren’t driving, when you can get insurance coverage based on the miles you do drive plus an affordable base rate? Grab a free quote with Metromile to see how much you could save. 

Melanie Lockert is a freelance writer, podcast host of the Mental Health and Wealth show, and author of Dear Debt. She’s a cat mom to two jazzy cats, Miles and Thelonious, an amateur boxer, music lover, and needs coffee to function.

If you’ve had to fill up your gas tank recently, you’ve likely felt the pinch of rising gas prices. Seeing the new gas prices can make you do a double-take and feel like an insult to your wallet. According to the U.S. Energy Information Administration (EIA), as of March 7th , the average gas price across the U.S. is $4.10 per gallon. If you live on the West coast, gas prices are even more expensive, currently at an average of $4.77 per gallon. In March 2022, LA County already hit $5 per gallon. This is a significant increase from the early pandemic when average gas prices were $1.8 per gallon in May 2020, according to data analyzed by the Federal Reserve Bank of St. Louis. But why are gas prices rising? We break down why gas prices are going up right now and what you should know. 

More driving, more demand 

In the first year of the pandemic, many people were staying home and not driving as much. In the second year of the pandemic, driving habits shifted significantly. According to The Federal Highway Administration, cumulative travel in 2021 was up 11.2%. Travel on all roads and streets increased the same percentage (11.2%) from December 2021 compared to December 2020. The total estimate for the year is a whopping 3,228.8 billion vehicle miles of travel.

Given the increase in miles traveled, it’s clear that people are back on the road. Also, demand for cars reached an apex, with prices we haven’t seen before. Due to a surge in demand for cars, there’s naturally a surge in demand for gas (except for electric vehicles).  

Gas supply issues 

If you’re wondering why is gas so expensive right now, part of it comes down to gas supply issues. According to the U.S. Energy Information Administration (EIA):

“U.S. petroleum refineries make gasoline and other petroleum products from crude oil and other liquids that are produced in the United States or imported from other countries. Nearly all of the gasoline sold in the United States is produced in the United States.”

So while gas may be produced in the U.S., it also depends on crude oil — some of which is imported from other countries. 

Source/credit: U.S. Energy Information Administration 

The price of crude oil can be impacted by several things:

• Supply and demand
• Weather disruptions
• Geopolitical events 

Also, these exporting countries influence overall gas prices. According to the EIA, “The Organization of the Petroleum Exporting Countries (OPEC) can have a significant influence on oil prices by setting production targets for its members. OPEC includes countries with some of the world’s largest oil reserves. At the beginning of 2020, OPEC members controlled about 71% of total world proved crude oil reserves (plus lease condensate), and they accounted for 36% of total world crude oil production in 2020.”

Crude oil prices are also on the rise, too. According to EIA data as of March 2nd, 2022:

• WTI (West Texas Intermediate) crude oil — which is an oil benchmark in the U.S. — is $110.74 per barrel 
• Brent crude oil — which is an international oil benchmark — is $118.94 per barrel 

That’s approximately a 7% increase across crude oil. What’s also impacting the surge in prices is supply and demand.

The EIA explains that in 2021 demand for petroleum (made from crude oil) in the U.S. and abroad increased and were back to pre-pandemic levels. However, the demand has increased faster than the supply is available. This means lower inventories and higher prices. 

Alongside economic factors like supply and demand that are based on consumers and producers, global events can also impact energy costs. The latest conflict in Ukraine is only adding more volatility into the market, which may also impact gas prices. 

How the Russian invasion of Ukraine may affect gas prices 

At the end of February, the threat that Russia would invade Ukraine and start a war became a reality. Since the invasion has started, it’s added another dimension of volatility and uncertainty to supply chains and energy production. 

As of 2020, 7% of U.S. petroleum imports came from Russia according to EIA data. President Biden recently signed an Executive Order to ban imported oil, gas, and coal from Russia. The EIA also notes that Europe gets most of its oil and natural gas from Russia. 

There are concerns that the ongoing war will continue to hike gas prices up and disrupt supply. According to the International Energy Agency (IEA) as of March 1, 2022, “IEA member countries agreed to release 60 million barrels of oil from their emergency reserves to send a unified and strong message to global oil markets that there will be no shortfall in supplies as a result of Russia’s invasion of Ukraine.”

President Biden has committed to releasing 30 million barrels of oil from reserves as well, according to the U.S. Department of Energy. This is the second time reserves have been tapped, totalling 60 million barrels. While it may sound like a lot, the U.S. consumed about 20 million barrels a day last year. So while there are measures being put in place to get more oil out of reserves, it may still fall short and lead to higher gas prices. 

Currently, we’re seeing high rates of inflation — currently at 7.5% — but that may increase with turmoil due to the Russian-Ukrainian war. One CNN analysis projects that we could see 10% inflation. 

The bottom line 

If you’ve been to the pump recently and wondered why is gas so expensive right now, it comes down to supply and demand, and now added volatility and supply disruption due to the war. The good news is there is a decrease projected later in the year but you may have to wait until December to see it. While these factors are largely outside of your control, if possible, you can cut costs by driving less. Of course, that’s not an option for everyone, but if you can, you can drive less, opt for public transportation, biking, and walking. If you do drive less, you stand to save with your car insurance as well with pay-per-mile coverage. Using pay-per-mile insurance, you pay for the miles you drive, along with an affordable base rate, to keep costs low. Find out your rate today with Metromile. 

Melanie Lockert is a freelance writer, podcast host of the Mental Health and Wealth show, and author of Dear Debt. She’s a cat mom to two jazzy cats, Miles and Thelonious, an amateur boxer, music lover, and needs coffee to function.

Your car is a complex machine designed to run properly and keep you safe. That’s why if there are potential issues on the horizon, your car dashboard icons light up to alert you about the issue. These warning signs shouldn’t be ignored, but if you’re unsure of what they mean, it’s easy to keep driving and lean into the whole ignorance is bliss mentality and hope it’s nothing. To stay safe though and keep your car in good shape, it’s worth it to learn the language of car dashboard icons and take necessary action.

1. The malfunction indicator lamp (MIL) aka the check engine light 

When you’re driving, you might see your malfunction indicator lamp (MIL) illuminated — which is more commonly referred to as the check engine light. Typically the car dashboard icon looks like an engine to alert you to a potential issue with that part of the car. 

According to the car resource website Edmunds, a check engine light could be something as minor as having an issue with your gas cap or something as serious as a misfiring engine. 

According to Consumer Reports, your engine light may blink or remain illuminated, based on the severity of the issue and states:

“A blinking light, or in some cars a red light instead of a yellow or orange light, indicates a problem that needs immediate attention. Either way, you should have the vehicle checked by a mechanic. In late-model cars, a blinking light usually indicates an engine misfire so severe that unburned fuel is being dumped into the exhaust system, where it can quickly damage the catalytic converter, leading to an expensive repair.”

If it’s static and not blinking, the good news is it’s not an emergency. However, in either situation, you want to get it checked out ASAP. 

2. Engine temperature car dashboard icon 

Your car also has an engine temperature car dashboard icon that typically looks like a thermometer. This is your engine temperature warning light which alerts you when the engine is too hot. 

According to John’s Auto Care Center, “​​If this light turns on, it means that your vehicle has detected that the coolant temperature is too high. This indicates that your engine is likely overheating. If your engine is overheating, it is recommended to pull your vehicle over to a safe place and turn off the engine for at least 20 minutes.”

In this case, you could be experiencing a coolant leak or some other issue with your overall cooling system leading to an engine radiating heat. This could damage your engine in the long run, so it’s best to go to a mechanic to check out what’s really going on. 

3. The oil can car dashboard icon 

Another car dashboard icon you might see is the oil can, which is the oil pressure warning light. When this comes on, your car is telling you it’s time for an oil change. 

You need an oil change typically every 5,000 to 7,500 miles though this can vary by vehicle, so it’s best to check your owner’s manual. But if you see this light, it’s an urgent warning that your oil pressure is below optimal levels, so get an oil change and also check to see if there is a leak. No need to panic right away though, as you typically have a cushion of 500 miles before it turns into a serious issue.

4. Battery signal 

Your car battery plays an important role in your vehicle, and keeps the charge going for all the electricity in your car. If you see the battery signal on your car dashboard light up, it could mean that the battery charge isn’t working as it should and may be close to dying. 

In that case, you’ll want to check both your car battery as well as the alternator. You typically need to change your car battery every three to five years, so if it’s been a while, it might be time to replace your car battery. 

5. Brake warning signal 

If you see an exclamation point car light that has a circular border and seems to be hugged by a pair of parentheses, that’s your brake warning signal. This car dashboard icon typically comes on for two reasons:

1. Your parking brake is activated.
2. There is a bigger issue with your braking system such as having low levels of braking fluid.

If the light is still on after deactivating your parking brake, it’s something you should address right away. 

6. Tire pressure light 

If you see an exclamation point that looks like it’s inside a deflated tire, that’s your tire pressure warning light. When that comes on, your tire pressure is running low and your tires are likely underinflated and need more air. 

This can lead to uneven tire wear or even a tire blowout. Checking your tire pressure should be a regular part of your car maintenance and checked once per month. 

7. Tire Pressure Monitoring System (TPMS)

Something that is similar to the tire pressure light that may be in some vehicles is the Tire Pressure Monitoring System (TPMS). If you see TPMS or your exclamation point car warning signal isn’t going away after fixing your tire pressure, it could mean that the sensor for detecting low tire pressure isn’t working properly. 

8. Lamp out indicator light

If you see a car dashboard icon that looks like the sun or an exclamation point inside of the sun, that’s your lamp out indicator light. This lets you know that one of your exterior lights might be out. That could mean your headlights are out and need to be fixed. In that case, nighttime driving should be avoided. If you see this warning signal, check on your lights and get them fixed. 

The bottom line 

Learning how to read car dashboard icons can feel like learning a new language. It can be difficult and frustrating at first, but once you know what all the exclamation points in your car means as well as the other warning lights, you’ll be better informed about what’s actually going on with your car. 

If you see a warning light in your car, don’t ignore it for too long and take action to stay safe. As part of your car maintenance and safety, make sure you have the appropriate amount of car insurance coverage as well. You can check out various coverage options with Metromile. Don’t drive very often? It’s time to rethink your auto coverage and pay based on the miles you drive. Get a free quote with Metromile to see how much you could save. 

Melanie Lockert is a freelance writer, podcast host of the Mental Health and Wealth show, and author of Dear Debt. She’s a cat mom to two jazzy cats, Miles and Thelonious, an amateur boxer, music lover, and needs coffee to function.

If you’re thinking of getting a new car insurance policy, you may come across the term “full coverage.” The name sounds appealing like it can cover all situations. Unfortunately, the term is a bit misleading as there’s not one “full coverage” option when shopping for car insurance. Instead, the term “full coverage” often refers to a mix of types of coverage. Read on to learn more about the term “full coverage auto insurance”  and what types of coverage are available.

What is “full coverage” auto insurance anyway?

“Full coverage” car insurance isn’t a single option you can get from your car insurance provider, but rather a combination of different types of coverage. There is no agreed upon definition of full coverage.

Typically, this refers to minimum liability coverage required by your state, collision coverage for damages in an accident, and comprehensive insurance for incidents such as theft, weather, and vandalism. These coverage types working in tandem typically refer to “full coverage” auto insurance. 

Even with those three standard components, however, the details and amount of protection you actually get from a “full coverage” combo will vary depending on your insurance carrier, so it’s always important to read the fine print of your policy.

Different car insurance coverage options on the market 

While “full coverage” car insurance isn’t something you can select as one option, you can get the different types of coverage that make up what most people consider “full coverage.” Let’s take a look at the different car insurance coverage options available. 

Liability coverage 

Liability insurance is typically the minimum required by your state andcovers any bodily injury and property damages to others if you cause an accident. Liability coverage usually consists of Bodily Injury Insurance plus Property Damage Insurance. 

Comprehensive coverage 

Comprehensive insurance coverage is for things like vandalism, theft, and other damages that aren’t the result of a collision. So if you get into a freak situation with a stray animal or are stuck in a surprise hailstorm, comprehensive coverage will come to the rescue. 

Collision coverage 

Collision insurance is a type of coverage that pays for damages that affect your vehicle in an accident. This type of coverage can cover costs regardless of who is ultimately found at fault and can even help if you’re involved in a one-car accident, such as backing up into a pole (oops). 

Medical payments 

In the event of an accident, there could be more than just property damage and there may be injuries as well. Medical payment coverage, sometimes referred to as MedPay, can help offset medical costs that are the result of an accident for the driver and passengers, regardless of who is at fault. 

PIP 

PIP insurance, also referred to as Personal Injury Protection, can cover medical expenses and other related costs in the event of an accident, regardless of who is found at fault. It can also be referred to as no-fault insurance and may be required in some states, such as New Jersey. While PIP is similar to medical payments, PIP takes it to the next level and can cover things like lost wages in the event of an accident. 

Uninsured and underinsured motorist coverage (UM/UIM)

One in eight drivers is uninsured, which can make the financials of getting into an accident a bit stressful. That’s why opting for uninsured and underinsured motorist coverage can help. This type of coverage helps cover costs in the event that the driver doesn’t have enough liability insurance coverage or has no insurance. 

Rental car insurance coverage 

Rental car insurance coverage can mean one of two things. First, it can mean the type of car insurance that the rental car agency offers you to protect you in the event of damage or an accident while renting the vehicle. It’s important to note though that your personal car insurance may extend to rentals or certain credit cards may offer this as a benefit. 

Rental car insurance can also mean rental reimbursement coverage that helps pay for a rental car if you’re in an accident covered by your policy and your vehicle is not usable. 

Roadside assistance 

Roadside assistance coverage helps drivers in a bind get the help they need. For example, if you get into a sticky situation while driving such as running out of gas or your car dies, you can use your roadside assistance coverage to get support in your time of need. 

Determining which coverage is right for you

If all this info is overwhelming, consider this: there’s no one-size-fits-all comprehensive combination of plans. Your specific needs as a driver are unique and the type of coverage you choose will depend on a lot of personal factors. 

When deciding on the right coverage, think about these key pieces of info and then you can make an informed decision from there:

• What type of car you have and how new it is
• The quality and limits of your health insurance
• Where your car is garaged
• Your budget
• Your driving behavior

Answering these questions can help inform what type of car insurance coverage you need. Though “full coverage” auto insurance isn’t a single plan, you can mix and match your coverage options to make sure you’re protected. 

The bottom line 

If you’re researching car insurance options you might wonder what is full coverage insurance? It’s a common question and the answer may vary. Typically though full coverage car insurance refers to liability, collision, and comprehensive coverage so you have all major facets covered including injury and property damage for yourself and others, as well as if there is any physical damage to your own vehicle or damage that is not accident-related. 

If you want affordable car insurance and pay for only the miles you drive, you can reimagine your car insurance options and get pay-per-mile coverage with Metromile. You pay for gas by the gallon, why wouldn’t you pay for insurance based on the miles you drive? Using Metromile, you can. Get a free quote.

If you’re retired or approaching retirement age soon, it’s likely you’ll be driving less. You may not be commuting as often or going out as much, but still rely on your car for errands and going on some adventures here and there. During this time, you want to find coverage catered to your needs, which is why you want to look into auto insurance options that may be better for older adults or retirees. Find out more about car insurance for senior citizens. 

What is car insurance for senior citizens? 

Car insurance for senior citizens refers to coverage options that may include senior discounts or be catered to your specific needs. Given your age, wisdom, and experience, you may qualify for senior auto insurance discounts and may pay less for a car insurance policy. 

In states like California, you may be able to take a DMV-approved “mature driver improvement course” and be able to lower your car insurance premiums for up to three years. 

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

As a senior, you still want a vehicle to have more access and independence. But if you’re driving less, shouldn’t you  also pay less? That’s why a good choice for car insurance for senior citizens is pay-per-mile insurance. Why pay a flat rate when you can get coverage based on the miles you actually drive? Here are 5 reasons why pay-per-mile coverage is great option for senior citizens. 

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

Just because you may not be working or working less, doesn’t mean you want to give up your mode of transportation. And you shouldn’t have to either, as long as you’re safe and healthy. 

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

More seniors are driving later in life, enjoying their Golden Years. According to 2019 data from the U.S. Department of Transportation’s Federal Highway Administration — which is the most recent available — here is the breakdown of how many senior drivers are on the road by age group: 

• There are 19,243,268 licensed drivers between the ages of 60 and 64
• There are 16,241,884 licensed drivers between the ages of 65 and 69  
• There are 12,763,368 licensed drivers between the ages of 70 and 74
• There are 8,345,610 licensed drivers between the ages of 75 and 79 
• There are 4,880,480 licensed drivers between the ages of 80 and 84
• There are 4,066,741 licensed drivers 85 and older 

That’s approximately 65.5 million senior drivers, aged 60 and up. According to the U.S. Centers for Disease Control and Prevention (CDC), one in five drivers is 65 or older. 

If you fall into this group, you’ll need a car insurance policy that matches your driving habits and lifestyle.

2. You don’t drive as much these days

While you might still enjoy driving, you probably don’t get behind the wheel as much as you used to. According to the most recent data from the Federal Highway Administration, seniors drive an average of 7,646 miles per year, which is about half as much as most drivers.

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

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

You also might have cut back on driving for health reasons. Older adult drivers are more than twice as likely to report having a medical problem that makes it difficult to travel, according to a recent U.S. Centers for Disease Control and Prevention report.

One such problem is arthritis, the National Institute on Aging points out. Your joints may get stiff, and your muscles may weaken as you get older, the institute explains. 

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

That’s not to say you don’t drive at all anymore. Just that you don’t drive as often as you used to. Whatever the reason may be, if you’re driving less frequently, you might save money with Metromile’s pay-per-mile car insurance.

3. You’re living on a fixed income

You might be living on a smaller income in retirement. According to the Administration of Community Living (ACL) report “2020 Profile of Older Americans”, the median income in 2019 for older persons was $27,398. Though this varies greatly by gender with the median income for men at $36,921 and the median income for women at $21,815. 

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

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

4. You could get a discount

If you’re looking for the best car insurance for senior citizens, pay-per-mile coverage with Metromile can benefit you in a couple of ways. 

First, you pay less because you drive less. Secondly, Metromile offers a mature driver discount in eight states. Your decades of experience behind the wheel usually translates into safer driving practices, so you should be rewarded for that. 

Generally, older adults drive more safely than other age groups, according to the U.S. Centers for Disease Control and Prevention. 

Older adults are more likely to wear seat belts, drive when conditions are safest and don’t drink and drive. These safe driving habits can help you avoid accidents. “Even at 85, senior drivers crash less often, per mile, than teens,” a Consumer Reports study found.

These safety habits while driving are important, as unfortunately, older drivers made up 20% of traffic fatalities in 2019 according to the National Highway Traffic Safety Administration (NHTSA). That amounted to 7,214 drivers 65 and older who were killed on the road. Avoiding night driving may help. 

5. You drive an older car

The type of car you drive is one of the many risk factors insurance companies consider when determining how much you might pay for car insurance. The good news is that older vehicles tend to be cheaper to insure. So if you drive an older car, you may see even steeper car insurance savings. 

How much do Metromile customers save?

If you’re looking for senior auto insurance, pay-per-mile insurance can be a great fit given your lifestyle and budget. Making the switch to Metromile could help you save money. Below you can see average car insurance savings based on miles driven per year. For example, if you drive 10,000 miles per year you could save $541* per year. If you only drive 2,500 miles per year, you could see savings up to $947*. 

Keep in mind that seniors drive an average of 7,646 miles per year, which means they could save between $500 and $700 a year. When you break it down by gender, older men drive 10,304 miles per year, while older women drive only 4,785 miles per year. That could be substantial savings and help your budget. 

The bottom line 

As a senior, car insurance should be more affordable and fit your new stage of life. You want something that fits with your budget and can still provide the coverage you need to stay protected behind the wheel. Pay-per-mile coverage can score you serious savings and allow you to pay based on the miles you drive. If you’re thinking of making the switch, check out a free quote with Metromile. 

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

Auto thefts have seen a dramatic increase during the pandemic as people worked from home, commuted less, and left their cars sitting idle for days at a time – 2020 alone saw the most vehicle thefts in more than a decade. And some cars, like late 90’s Hondas and early 2000’s pickup trucks are specifically vulnerable and targeted by thieves. 

Washington resident Mike A. has been a Metromile customer for nearly 7 years, so when his beloved car was stolen a few weeks ago, he knew he could turn to Metromile for help. We spoke with Mike to hear more about what happened and how he was able to locate his car so quickly with the Metromile app.

Recently, you had your car stolen. Can you share how it happened? 

 A few Fridays ago, my car was stolen at about 5:30 in the morning from the Burlington, Washington area. I have an older Honda that’s been my daily driver for over 25 years. In the last couple of years, I have discovered I’m a natural mechanic and applied many of my own fixes: a new radiator, heater fan, window, seatbelt, distributor, valve seals, etc. The car itself is no showroom piece, it has years of wear and tear, but we’ve been through a lot together. 

I’ve heard car thieves tend to go after old Hondas so I always make sure to use an anti-theft wheel lock when I park my car at night. But that night, the thief broke some of the side panels to gain access to the car and somehow broke the wheel lock that I had in place.

That’s so frustrating, what did you do next?

I opened up the Metromile app and was encouraged to see the car still transmitting its usual GPS signal – so, the game was on. I then quickly called the police and filled out a report, hoping they’d catch the thief in the act. 

Within a half-hour, the police had located the car – I was elated. The thief fled by the time the police found my car but luckily, other than some broken paneling, the car was in its usual condition. 

I could see from the Metromile app that the thief had taken a leisurely drive up the coast of Washington and then driven around in circles a bit before abandoning the car.

That’s great you were able to get it back so quickly, and were able to tell the police the location of the car from your Metromile app! Do you have any advice for other drivers?

I was lucky in that the thief didn’t discover the Metromile Pulse device in my car. If you don’t have insurance like Metromile, I strongly recommend you at least have some kind of GPS or tracking device. 

The bottom line

As Mike saw, things can happen to your car, even when you take precautionary measures to protect your vehicle. That’s why it’s important to have the right amount of coverage and auto insurance you can rely on. Metromile has repeatedly reunited drivers with their lost or stolen vehicles, with an approximately 90% stolen vehicle recovery rate.* 

Not sure if Metromile is a fit for you? Take a Ride Along™ to try before you buy. Download the Metromile app and get a free auto insurance quote. You’ll keep your current coverage and drive as you typically would for about two weeks. Then, we’ll consider your actual driving to provide you with an accurate rate. You could even save up to an additional 15% off your quote in select states for your safe driving.

–

*As of February 2021

Since the pandemic, many people are driving less. According to Metromile data, fewer miles were driven in 2020 and early 2021 compared to pre-pandemic levels. As more people ditch the commute and work from home, opt to take public transportation, or return to travel, cars are parked and staying put. While that may not seem like an issue, it could lead to a dead battery. Find out how long a vehicle can sit before the battery dies and best practices to keep your battery well maintained. 

How long can a car sit before the battery dies? 

If you’re not driving that much or thinking of taking a vacay longer than two weeks, you want to know how long can a car sit before the battery dies? The answer can vary depending on your car battery age, type of vehicle, and the weather. 

Typically, your car can sit about four weeks to two months without driving before the battery dies. 

The reason your car can sit only for so long before it dies is the fact that your car battery is in use even when you’re not behind the wheel. For example, even when your car is off, your car battery is powering the dashboard clock, alarm, and radio. Also, if you accidentally leave the lights on, you can find yourself with a dead battery the next day. 

This can be referred to as “parasitic drain” or “parasitic draw.” According to RepairPal, “parasitic draw or drain is a term for an electrical component consuming electricity when it should not, even after it and the vehicle has been shut off.”

On top of parasitic drain affecting battery efficiency, how well your battery works  can change based on the weather. If it’s extremely hot or near freezing, your battery may not be as efficient. 

If you go without driving for too long, it can impact your battery due to your car battery’s symbiotic relationship with the alternator. Your car’s alternator ensures your battery stays charged, and everything runs smoothly. 

According to Matthews Tire, “The alternator, kicked in by the start of your battery, generates electricity to continuously power your battery. When the two are working properly, they achieve the perfect combination of power, creating a circuit of electricity that feeds itself for long-sustaining performance.”​​

When to change your car battery 

“How long does a car battery last without driving?” is a common question. As noted above, you’re probably safe for four weeks to two months; however, it can depend. 

But what if you come back from a month-long getaway or haven’t moved your car for weeks and your car won’t start? It could be a dead battery or alternator. In some cases, it can be due to old age, and your battery may need to be replaced. According to AutoZone, your car battery typically needs to be replaced every four to six years. 

How to keep a car battery charged when not in use

Keeping your car in the garage or out on the street for a long period of time isn’t great for the car battery. Driving is kind of like a use-it-or-lose-it situation, and without using your battery, it can deteriorate. But if you’re in a situation where you can’t drive your vehicle for some time or can’t get a friend to help out, what can you do? Here’s how to keep a car battery charged when not in use.

Remove your car battery 

If you plan on going a while without driving your vehicle, your best bet is likely to remove your car battery. This can help ensure that it lasts longer and doesn’t drain as fast.  To make sure it’s well maintained and in good condition, store the car battery in a dry place with temps between 40 to 60 degrees. Consider purchasing a battery box to keep it safe and in optimal condition. 

When you remove your car battery, it could last between six weeks and six months. Ideally, you want to charge the battery before the three-month mark to make sure it continues to work properly. You don’t have to wait that long though; it’s best to regularly and frequently charge your car battery. 

Get a battery maintainer 

Want to figure out how to keep a car battery charged when not in use without removing the car battery? In that case, you may want to opt for a battery maintainer. A battery maintainer provides enough charge to keep your battery going but will turn off when the battery is fully charged. It’ll re-activate and charge again if battery levels drop to a certain point. When shopping for a battery maintainer, look for one that has the same voltage as your car battery. 

The bottom line 

If you’re planning a long trip or just aren’t driving much these days, it’s normal to wonder how long can a car sit before the battery dies? As noted above, it can vary based on your vehicle, but it can last about a month or two. If you can’t drive your car within that period as part of your car maintenance, take steps to make sure the battery stays charged like removing it or getting a battery maintainer. Having a set of jumper cables can help as well. 

If you’re concerned about how long a car battery lasts without driving, you may be a low-mileage driver. Not driving very often could score you an affordable rate with pay-per-mile coverage. Why pay more, when you could simply pay for the miles you drive along with a low base rate? Find out your prospective rate and get a free quote with Metromile. 

Melanie Lockert is a freelance writer, podcast host of the Mental Health and Wealth show, and author of Dear Debt. She’s a cat mom to two jazzy cats, Miles and Thelonious, an amateur boxer, music lover, and needs coffee to function.