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Nearly two years after the global pandemic started, it’s clear that our lives are forever changed. There have been major shifts in the workplace with The Great Resignation and people working from home. Record inflation. A devastating impact on mental health. Though more people have stayed home due to COVID-19, a dangerous and surprising trend has emerged — traffic fatalities in 2020 and part of 2021 surged compared to previous years. 

Traffic fatalities on the rise during the pandemic 

In 2020, the first year of the pandemic, the National Highway Traffic Safety Administration (NHTSA) saw a 7.2% rise in traffic fatalities compared to 2019. 

NHTSA estimated that 38,680 people died due to traffic-related crashes in 2020, compared to 36,096 in 2019. 

According to 2021 data recently released by NHTSA, the surge in fatalities continued for most of the year. From January 2021 to September 2021, the agency projects that 31,720 people died in traffic crashes. This is a 12% boost compared to the same nine-month period in 2020, with 28,325 fatalities projected, and is the highest number of fatalities for the same period since 2006. 

During this time period, NHTSA projects that 38 states had fatality increases compared to the same time period in 2020. The glimmer of hope is that fatality rates in the second and third quarters of 2021 dropped compared to the same period in 2020. NHTSA also projects that two states had fatalities that remained the same, while ten other states had fatality decreases compared to 2020. 

Breakdown of traffic categories and factors 

Nearly all traffic categories had an increase in traffic-related fatalities, except pedestrians, which remained the same (though a recent New York Times article states pedestrian deaths are up). According to the 2020 NHTSA fatality data:

• Passenger vehicle occupant fatalities rose 5% in 2020 compared to 2019
• Motorcyclist fatalities rose 9% in 2020 compared to 2019 
• Fatalities for people on bikes rose 5% in 2020 compared to 2019 

Additionally, there were certain factors and demographics that made up the highest increases in 2020, compared to the previous year. According to NHTSA, these include:

• non-Hispanic Black people (up 23%); 
• occupant ejection (up 20%); (when the impact of a crash ejects the occupants from a car — seat belts can help significantly to avoid this)
• unrestrained occupants of passenger vehicles (up 15%);
• on urban interstates (up 15%);
• on urban local/collector roads (up 12%);
• in speeding-related crashes (up 11%);
• on rural local/collector roads (up 11%); 
• during nighttime (up 11%); 
• during the weekend (up 9%); 
• in rollover crashes (up 9%); 
• in single-vehicle crashes (up 9%) and; 
• in police-reported alcohol involvement crashes (up 9%).

What’s causing the increase in traffic fatalities during the pandemic? 

There is no single cause behind the boost of traffic fatalities during the pandemic, but rather a combination of behaviors and factors leading to these crashes. 

The NHTSA noted that the primary culprits behind the surge included:

• Not wearing a seat belt
• Speeding
• Impaired driving 

In other words, there’s been an increase in reckless driving behavior after years of making strides with safe behavior and driving habits. Some experts and studies are pointing to the fact that increased isolation and mental health struggles are adding to careless driving. 

A January 2021 NHTSA Traffic Safety Report notes that there was a shift in driving behavior early on in the pandemic. There was an increase in average speeds, and the agency reported that extreme speeding became more commonplace. In fact, some metro areas saw a median 22% speed increase, which obviously impacts driver safety and can lead to accidents.  

On top of that, more drivers tested positive for driving under the influence. From mid-March to mid-July, a whopping 66% of drivers involved in serious or fatal accidents tested positive for alcohol, marijuana, or opioids. Compared to the six months prior to this period, opioid use in drivers nearly doubled, while marijuana use in drivers rose by close to 50%. 

Alcohol and drug use have increased significantly due to the pandemic, potentially in part to the stresses of pandemic life. 

According to one study, excessive drinking rose 21% after the pandemic started compared to pre-pandemic life. Drug overdose deaths also surged. According to Centers for Disease Control and Prevention (CDC) data, reported drug overdose deaths tracked over a 12-month period were at 73,343 in February 2020. As of September 2021, that number was 99,543. 

All of these factors have contributed to car accident deaths in 2020 and trending car accident news headlines. 

The bottom line 

The car accident news coming out during the pandemic has been another devastating blow in a tough couple of years. Luckily, it looks like there was a decrease in traffic fatalities in Q2 and Q3 of 2021, compared to car accident deaths in 2020. Will the trend continue? Only time will tell. To stay safe and protected, always wear your seat belt, do not drive under the influence [or get in a vehicle with someone who has been drinking], and make sure you have the right car insurance for your needs. Low-mileage drivers who aren’t on the road as much can benefit from pay-per-mile coverage and save money along the way. Check out your free quote. 

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.

Getting your driver’s license for the first time can be an exciting milestone. It can give you a sense of accomplishment and freedom that you may not have had before. You can drive to work or school, run errands easily, or go on a spontaneous adventure. But when you just get your license, you’re considered a new driver, and getting car insurance for new drivers can be more expensive until you get some more experience under your belt.

What makes you a new driver?

A new driver refers to someone getting their driver’s license for the first time with limited or no driving experience. Because new drivers are just getting their driver’s license, they typically don’t have an official driving record or history. 

New drivers may fall into the following groups:

• Teenagers getting a driver’s license after reaching legal driving age 
• Adults who learn or start driving later in life, such as residents from places like NYC or New Jersey moving to the suburbs 
• Adults who might have a gap in their driving record because they canceled their insurance when they sold their car in the past
• Immigrants or others who are new to the U.S.

Being a new driver in the U.S. is largely based on having a limited or non-existent driving history. Not having years of driving experience can hike up car insurance premiums as insurers may deem you a risk since there are no previous years to refer to. Similar to the way not having a credit profile can lead to higher interest rates on things like loans or a credit card, car insurance premiums may be higher when there is no verifiable history. 

Why is car insurance for new drivers so expensive? 

Car insurance for new drivers may be more expensive because of the level of risk. When determining your car insurance premiums, auto insurance companies look at things like your driving record and insurance history. This also includes how many years you’ve had your driver’s license.

If you recently turned 16 and got a license or just moved to the U.S., you don’t have a track record to show yet. 

How many years of experience you have as a driver can be more important than your age. Some people think that your car insurance rate will go down automatically once you reach a certain age, but it’s not true; that’s just a myth. 

Another reason car insurance may also be more expensive is if you can’t demonstrate a track record of safe driving or continuous insurance coverage over time. Driving discounts are typically connected to a verified driving history. 

Also, if you’re a teenager or immigrant, you might not even have an established credit score just yet — which some insurance companies use to determine your rate.

How much does car insurance for new drivers cost?

All drivers’ car insurance premiums are based on risk. Each individual has a unique risk profile, and many factors are considered when setting rates. As a new driver, you might wonder how much auto insurance for new drivers costs? While it may be more expensive due to added risk, it’s hard to put a price tag on auto insurance. 

New drivers come from all walks of life, and various factors contribute to the rate you get (new driver or not). Being a new driver is just one part of the risk assessment. But car insurers may look at your zip code, credit score, marital status, type of car, and more to determine the level of risk. 

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

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

We also found that people who don’t have established credit histories (like immigrants) can pay about the same premium as someone with a DUI. However, credit isn’t used as a factor in all states. The age and type of vehicle typically have the biggest impact on your rate. 

7 reasons why pay-per-mile coverage is ideal auto insurance for new drivers 

There is no single new driver profile. The only signifier for a new driver is the lack of driving history. Whether you’re a student who just got a license or you moved out of a metro city to a suburb and traded your train commute for a car, you may be a new driver. Given your schedule and experience, you may not be driving very often. 

If that’s the case, pay-per-mile coverage is ideal auto insurance for new drivers because you pay based on how much you drive. Why pay more when you may be able to pay even less based on the miles you drive? Let’s take a look at seven reasons why pay-per-mile coverage is good auto insurance for new drivers. 

1. You don’t drive that much because you’re in school 

If you’re a student, it’s likely you’re stuck in classes most of the day and aren’t driving as often. 

Maybe you’re taking public transportation, or you’re in college and live on campus and bike or walk mostly. Perhaps you just drive to school and back, and that’s about it. 

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

2. You got your license and started driving later in life 

If you grew up in a major city that relies on public transportation, you may have never needed to learn how to drive or had a chance to learn. Maybe you decide to move to the ‘burbs, and now you need a license. 

Perhaps you always let your partner drive, but now you want some independence to do things on your timeline. Even though in these cases you’re older and wiser, you’re still considered a new driver as you’re getting your license for the first time and have a lack of driving history. You may benefit from pay-per-mile car insurance if you don’t drive that often. 

3. You took a break from driving and had a lapse in coverage 

If there are gaps in driving experience and insurance coverage, you may be considered a new driver. Even though you have previous driving experience, auto insurers like to see continuous coverage over time.

 In that case, you may have higher rates, but you can save with pay-per-mile insurance if you’re easing into driving and don’t rack up that many miles. 

4. You just moved to the U.S.

You may be an experienced driver somewhere else but if you just moved to the U.S., you may be considered a new driver. As an immigrant, you might not have a driving or insurance record in the U.S. The good news is that lack of a driving history in the U.S. isn’t a factor in all states. If it is, it’s typically noted in the rule manual or underwriting guidelines. 

It can feel frustrating, like starting from scratch as some insurance companies might consider you to have no driving experience or a motor vehicle report they can consider. Sadly, some insurance companies won’t accept an international license. But if that’s not the case, and you don’t plan on driving very often, you could lower your costs with pay-per-mile insurance. Unlike traditional insurance companies, Metromile focuses on someone’s actual driving, primarily how often you drive, to determine the price you pay.

5. You drive an older car which can be cheaper to insure 

In general, it’s less expensive to insure an older car. Older vehicles tend to be easier to repair because parts are more readily available or cheaper for you or your mechanic to purchase and install. 

A good way to save is by purchasing a used vehicle. Not only could you save big bucks by avoiding the brand-new sticker price, but you could also lower your expenses by removing collision and comprehensive coverage, which is designed to help you replace or pay for repairs to your vehicle. The extra coverage might come with a deductible that’s higher than the car is worth. This is because cars generally lose their value over time. If there are multiple people on the policy, it’s important to understand how the insurer assigns drivers to vehicles as it can impact the total cost. For example, if a policyholder has a new car, but you’re on the policy with an older vehicle, you may or may not see additional savings. 

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

6. You took a defensive driving course and may score a new driver discount 

If you’re in search of car insurance for new drivers, you want to find affordable coverage. If you take a defensive driving course, you may be able to score a lower rate. In some states, Metromile offers discounts to new drivers who take a defensive driving class.

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

7. Your car has safety features

If your car has safety features such as automatic seat belts, airbags, tracking devices, etc., you may get a lower rate with pay-per-mile coverage. In some states, Metromile offers discounts to drivers who have features that can improve safety while lowering the risk of theft. 

Because these safety features might reduce the likelihood of getting into an accident or your car getting stolen, you may be eligible for a lower car insurance premium as a new driver. 

How much could Metromile save me on car insurance?

There’s no doubt that car insurance for first-time drivers may be more expensive due to higher levels of risk and no track record to refer to. But pay-per-mile car insurance with Metromile could be good auto insurance for new drivers and keep costs more affordable if you’re not driving that much. Here’s a look at just how much money low-mileage drivers can save with Metromile:

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

The bottom line 

It can feel like a big step to get your license and be free to drive but you may be discouraged by the high cost of car insurance for new drivers. New drivers can consider pay-per-mile coverage as a way to lower costs if driving less while gaining more experience on the road. Remember, car insurance is based on many factors and you won’t always be considered a new driver. To find the best car insurance for first-time drivers, get a free quote with Metromile.

Keeping your car in good shape is a key part of regular car maintenance. That’s why it’s important to know what your vehicle is like normally and be aware when things are off. One of the more obvious issues that something is off with your car is when your car’s leaking. Seeing fluid leaking from your vehicle or noticing a new puddle surrounding your car can be cause for concern. Knowing the different types of fluid in your car and what to do can help you take action to fix any issues. Here’s what you should know about your car leaking.

The different types of fluid in your car  

When there’s a leak under your car, you want to know the type of fluid it is first. There are different types of fluid in your car that could be the culprit. 

• Engine oil. Your engine oil lubricates your engine to make sure it runs properly and reduces instances of friction that may damage the engine. It’s typically dark in color and can appear to be brown or black. 
• Water. There may be some water in your car due to running your air conditioner or if you used water instead of windshield wiper fluid (which may work okay, but may not be as robust as proper windshield wiper fluid). Water is clear and odorless. 
• Transmission fluid. Your car also has transmission fluid that lubricates the vehicle’s transmission. There are also different types of transmission fluids depending on whether you have an automatic vehicle vs a manual car. Transmission fluid can vary in color depending on how old it is. It may be reddish and thin if it’s new, or it may be closer to brown and have a thicker consistency if it’s older. 
• Brake fluid. The brake fluid is one of the most underrated fluids and plays an important role in helping your brakes work effectively. In other words, it helps put a stop to your car when you need to. This type of fluid can also change colors as it ages and is a light yellow color when it’s new, and can turn closer to brown as it ages. Brake fluid can also have an off smell and appear oily. 
• Power steering fluid. The power steering fluid in your vehicle helps make it easier to steer and manage your vehicle. It keeps all the parts running smoothly so you can remain in control. This type of fluid is typically reddish in the beginning and may turn more of a rust color, and ultimately brown as time goes by. Power steering fluid has an oily consistency and has a unique smell — burnt and sweet. 
• Gasoline. Your car runs on gas and has a distinctive smell you’re probably aware of. If you have a leak under your vehicle, you may not recognize it from sight alone as it’s typically clear. 
• Coolant. This type of vehicle fluid is vital as coolant helps take some of the heat of your engine and prevents it from being damaged by excessive heat or cooling. It’s easy to identify coolants as they typically come in bright colors such as green, blue, pink, etc. It is also known to have a slimy consistency to it and has a sweet odor. 

What to do about fluid leaking from the car

If you have a car leaking issue on your hands, now you know the different types of fluid in your car. Once you identify the type of fluid, you can take the appropriate actions. Here’s what to do about fluid leaking from your car. 

Engine oil 

When it comes to fluid leaking from cars, engine oil is one of the most common culprits. Typically, the location of the puddle of fluid in this case would be near the front of the vehicle where the engine is located. 

Engine oil is often brown or black. According to AutoZone, engine oil leaks are most commonly caused by a degraded engine gasket, but may also be due to an oil pan leak or oil seals as well as bad connections. 

Check the oil pan seals and plugs as well the gasket. You may be able to replace the parts on your own or do something simple like add a stop leak engine oil fluid. However, make sure you’re fixing the root issue and consult an auto professional if you need to. 

Water 

If you see a clear and odorless fluid under your car it’s likely water. Most likely, it’s either condensation from the air conditioning or leaking liquid from your windshield wipers if you have water instead of specific windshield wiper fluid. This usually isn’t a big deal and isn’t a cause of concern. 

Transmission fluid 

One of the more severe leaks under a car is your transmission fluid. If the car leak is under the middle of your vehicle, it may be a transmission fluid leak and be a warning sign of a bigger issue. It could be an issue with your engine, which could be problematic. Get to a mechanic ASAP to fix the problem. 

Brake fluid 

Another important car leak you shouldn’t ignore is a brake fluid leak. If there is yellow fluid, that could indicate it’s brake fluid. Using the color to identify the leak is key as the location could happen under any part of your vehicle. Your brakes are your top safety feature that can prevent accidents and save lives. So if you see brake fluid (or have squeaky brakes), get it checked out by a mechanic right away. 

Power steering fluid 

Your brakes help stop motion while steering helps direct motion. If your steering is shot, it could become a safety hazard. If you have a leak under your car that is close to the top part of your car that is rust color or brown and has a burnt aroma, it’s like a power steering fluid leak. Again, this is a matter for the professionals and you should take your car to the mechanic. 

Gasoline 

Gasoline is typically clear, but the scent can give it away. According to AskCarMechanic.com, gas leaks are often caused by a broken fuel tank, broken fuel lines, or a broken fuel injection system. Gasoline is highly flammable and a hazard, so if there’s a gas leak, contact a mechanic before getting behind the wheel. 

Coolant 

Your coolant plays an important role, and if there’s a coolant fluid leak, it could potentially damage your engine. The good news is it’s easy to identify given the bright colors and slimy consistency. 

A coolant leak can be in many places, but if it’s near the radiator that could be a telltale sign. First check to see if the radiator cap is on tight. If it’s not, it may just need to be tightened. However, if it’s broken or from an indiscernible cause, get your car checked at an auto body shop. 

The bottom line 

Dealing with a car leaking issue can be scary, especially if you’re unsure what it is. Using this guide, you can recognize the fluid leaking from your car and take action. In many cases, you may need to seek out professional help rather than DIY it just to be safe. Staying safe on the road is key. That’s why it’s important to have regular car maintenance, be aware when there are leaks or weird sounds, and have the right insurance coverage. For drivers who don’t rack up a ton of miles, consider pay-per-mile car insurance. You pay for gas by the gallon, why not pay for insurance directly based on the miles you drive? Using Metromile, you can. Get a free quote 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.

Driving your car is often a seamless process that takes you where you want to go without a second thought — when things work properly. But if your car doesn’t start normally, it can be frustrating and concerning. The reason? It’s likely a dead car battery or alternator. 

Is it a dead car battery or alternator? 

If your car is having issues with starting, it could be the battery or alternator. But which one? The good news is there is a relatively easy way to find out. 

First, it’s important to note how the alternator and car battery work together. Your car battery is effectively the power source for many different functions when the vehicle is off, including starting your car. 

Your car alternator helps charge the car battery when the engine is on. These two car parts work hand-in-hand to keep the electricity flowing in your car to make sure things run smoothly. 

If your car doesn’t start at all, you may have a dead battery. If your car starts for a short while, giving you that glimpse of hope that all is fine, but then promptly stops, it’s likely you have an alternator issue. 

To find out whether it’s a dead battery or alternator issue, grab a set of jumper cables and do a little experimenting. 

Jumpstart your car. If you can turn the engine on, but it dies shortly thereafter, your car alternator likely isn’t able to charge the battery. On the other hand, if you jumpstart the car and later on it fails to start on its own, it’s likely a dead battery. 

What are the telltale signs of a bad alternator? 

If you suspect the battery is okay and it might be an issue with the alternator, there are some telltale signs to look out for. 

• Funny noises. If you’re hearing any clicking sounds when you turn on the car or hear a type of growl or high-pitch sound, it could mean the alternator is shot or on its way out. 
• Your battery light goes off. It’s natural to think if you see your battery light go off that it must be an issue with the battery. But remember, your alternator helps power the battery, so if things are out of whack, this signal could actually mean trouble with your alternator. 
• A shift in lights. When your alternator isn’t working properly, you might see a change in the interior lights of your car as well as your headlights. They may start to dim and become even darker, or on the other hand, they may be brighter than usual. 
• Car accessories aren’t working properly. If your car radio is on the fritz, or your windows are taking forever to roll down, or any other accessory isn’t working as it should. In that case, it could be a sign that your alternator is bad and not providing enough electricity to function properly. 
• It smells like something is burning. When your alternator isn’t working, it could be burning the rubber drive belt, or there may be hot wires making things smell funny.

How do you know if you have a dead battery? 

If you’re dealing with car trouble, you want to clear things up and understand if it’s the battery or 

alternator. Now that you know the signs of a bad alternator, how do you know if you have a dead battery? 

• The car battery is several years old. Typically, your car battery can last around four to six years, so if it’s around that time, it might just be time for your car battery to retire and get a new one or see about getting your current one fixed. 
• The battery smells weird. You should hopefully never smell your car battery, but if you do and it smells like something is rotting, it could be the gasses from the battery. This could be serious, so get it looked at ASAP. 
• Your dashboard lights or headlights are dim. If your dashboard or headlights aren’t at their full brightness, it could be a telltale sign of a dead battery. 
• The car is starting slower than usual. It should be relatively easy to start your car and get going. If getting the vehicle started takes more time than usual, it could mean an issue with your battery. 
• You can see battery corrosion. You might be dealing with a damaged car battery if you’re able to see signs of corrosion. According to Family HandyMan, you might see white powder on your car’s battery terminals, which is the result of a chemical reaction. The site also recommends wearing safety glasses and rubber gloves if dealing with your car battery. 

The bottom line 

If your car isn’t starting normally, you probably have an issue with your battery or alternator. Figuring out if it’s a bad alternator vs bad battery can be done with the signs above. But if you’re still unsure about reading the signs of a bad alternator or dead battery, it doesn’t hurt to get your car looked at by a professional who can help. While having car issues can be a drag, you want to stay safe while on the road. To do that, make sure you have the right car insurance coverage as well. Don’t drive very much? Pay-per-mile insurance may be the right fit for you, as instead of paying a flat rate for miles you don’t drive, you pay based on the miles you drive. Find out a smarter way to do auto insurance with Metromile and get your free quote. 

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 in the market for a new car insurance policy, it’s important to find the right coverage and deductible for you. Ultimately, how much protection you have and what you pay out-of-pocket are based on the type of coverage you get and the car insurance deductible you choose. It can be tempting to choose the highest deductible as that often results in a lower monthly premium. While that may result in savings in the short term, it could mean paying more in the long term. Find out what to consider when choosing a car insurance deductible for your needs, budget, and lifestyle.

What is a car insurance deductible? 

A car insurance deductible refers to the total amount a policyholder pays out-of-pocket before the insurance covers a qualified incident. For example, if you get into a fender bender that results in $2,000 of repairs and you have a $500 car insurance deductible, you’re on the hook for $500, and your car insurance company will cover the remaining $1,500. 

As a policyholder, you get to choose your car insurance deductible. What makes car insurance coverage different from other types of insurance is that you’re responsible for paying the deductible each time you file a claim. 

How does a car insurance deductible work?

If you get into a car accident or other type of incident covered under your policy, you’ll need to file a claim. This process can seem daunting, so it’s natural to wonder how does car insurance deductible work? 

Insurance providers typically take out your car insurance deductible from the indemnity payment — which is the money you receive from a claim. You may also pay the deductible directly to the repair shop fixing your vehicle. 

Your car insurance deductible is your responsibility and must be paid before your insurance provider covers the rest. 

What are deductibles based off of?

As a consumer, you can typically choose a higher deductible and score a lower car insurance premium. On the other hand, you can select a low car insurance deductible and a higher premium, while lowering your out-of-pocket costs in the event of an accident. 

However, car insurance coverage — including the car insurance deductible and the monthly premium you pay — is calculated based on risk. Your insurance provider sees each situation a bit differently. 

Generally speaking, the idea is that if you have a high deductible — such as $1,000 or $2,000 — you may be less likely to file a claim for repairs and therefore considered less risky to your insurer. Remember that you pay your deductible and then have your insurance cover the rest. But if any damage or repairs are less than the cost of your deductible, then it’s not worth filing a claim. 

On the other hand, if you choose a lower car insurance deductible between $100 and $500, the probability of you filing a claim goes up. That means you’ll likely pay a higher monthly premium and be considered more of a risk to your insurance provider. 

The amount you choose for your car deductible can depend on your driving history, lifestyle, risk tolerance, and financial situation. 

When do you pay the deductible for car insurance?

You don’t have to pay your car insurance deductible when selecting a car insurance policy. Instead, you pay your car insurance premium. You have to pay your car insurance deductible when you make a claim. 

The car insurance deductible can be payable to either your repair shop or your insurance provider, depending on the amount, your plan, and your provider’s general deductible policy. Oftentimes, you’ll pay your deductible directly to your repair shop, and your insurance provider will take care of the remaining bill.

But remember, ultimately, paying your deductible is up to you. If you would rather not submit a claim, you don’t have to pay your deductible, but you will be responsible for the entire cost of your repair.

What are the different types of auto insurance deductibles? 

When you choose an auto insurance policy, you sign up for a specific type of coverage that can help out in certain situations. In many cases, these coverage options have deductibles. 

Comprehensive coverage 

Comprehensive coverage covers the cost of repairing or replacing your vehicle in situations outside of a standard collision. So if your car gets damaged in a freak hailstorm or hit by a deer, or ends up being stolen, comprehensive coverage will come to the rescue. This type of coverage is typically sold in tandem with collision insurance. 

Collision coverage 

Collision coverage offers coverage for — you guessed it — in the event of a collision. It doesn’t matter whether you’re found at-fault or not. This type of coverage helps cover the cost of repairs or any needed replacements if there’s an incident. 

Uninsured and underinsured coverage 

Another type of coverage is uninsured and underinsured coverage. In the event you get into an accident with an uninsured motorist or one with limited coverage, this type of insurance can help cover costs. Considering that 1 in 8 motorists are uninsured, it could be a smart idea. This may not be offered in every state or by every insurance provider. 

Personal injury protection (PIP) 

Medical costs are a concern for many people. Personal injury protection insurance can help cover medical costs after an accident regardless of who is found at-fault. Some states like New Jersey require this type of insurance as it’s considered a “no fault” state. But not all states do, and it can be up to you whether to get PIP coverage or not. 

How do I choose the right car insurance deductible amount?

Figuring out the right car insurance deductible amount can be tough. It’s important to evaluate your budget, risk tolerance, driving history, and coverage needs. If you choose a higher car insurance deductible, it’s likely you’ll have a lower premium. That may be good day-to-day, but it may mean your insurer will cover less. If you do need your car insurance, make sure you can afford your deductible or have that amount saved in an emergency fund. 

If you select a lower car insurance deductible amount, it’s likely your premium will be higher. While you’re paying more now, if something happens down the line and you get into an accident, you’ll pay less out-of-pocket then. 

Your deductible amount should be something you feel comfortable paying or have easy access to in an emergency fund, or as a last resort, a line of credit. The last thing you want is to get into an accident and stress about a high deductible that feels out of reach. 

But you also don’t want a premium that feels like it’s hurting your budget each month. That’s why it’s a delicate balance, and you want to find the right amount for your budget and needs. 

Select a deductible amount that feels doable for you. Even if you have a spotless record, remember things happen. It’s also important to be aware of what exactly is covered in your insurance policy. 

For example, if you opt for liability-only that covers damage and injury costs for the other driver if you’re at fault. On the other hand, comprehensive and collision insurance can cover accidents, theft, and weather events that can come out of nowhere. 

You can choose the deductible amount for each type of coverage, so if you think you are a safe driver, it might make sense to have a higher collision deductible (where you can often prevent a crash) versus comprehensive (where the events are typically out of our control).

The bottom line 

If you’re looking for a new car insurance policy, you want to pick a car insurance deductible amount that works for you. That means considering your risk levels, needs, finances, and more. You also want to make sure you have the right coverage to protect yourself in various situations. And if you don’t drive very much? You can pay less with pay-per-mile car insurance with Metromile. If you’re still paying for miles you aren’t driving, it’s time to rethink your auto insurance coverage. Grab a free quote with Metromile today.

During the fall and winter months, the sun goes down earlier, and there are fewer hours of daylight to spare. This can impact your mood and be a drag, especially if you leave for work early in the morning and return home when it’s dark. If you’re in your car driving at night or while dark out in the early morning, it’s even riskier than driving during daylight. According to data from the National Highway Traffic Safety Administration (NHTSA), as of 2019, the most fatal crashes throughout the week occurred between 6 pm and 8:59 pm. Fatal car crashes peaked Saturday night between 9 pm and 11:59 pm. On top of that, drowsy driving accidents are most likely to occur between midnight and 6 am. Lower visibility, increased headlight glare, and more people driving under the influence are all factors that increase the riskiness of nighttime driving. Read on for tips for driving your car at night safely. 

How to drive safely at night 

Driving at night comes with many more risk factors, and when driving at night you should take extra precautions. Let’s review some of the reasons why nighttime driving is more dangerous and what you can do about it. 

Reduced visibility 

Unlike some of our furry friends who have stellar night vision, humans typically don’t possess the same qualities and struggle to see in the dark. In fact, millions of Americans have difficulty seeing at night, and may have what is referred to as night blindness. People who experience night blindness could have nearsightedness, astigmatism, glaucoma, or cataracts, according to The Atlantic Eye Institute. 

Major risk factors 

Reduced visibility comes with some major risk factors for driving at night, including:

• Reduced depth perception
• Reduced color recognition
• Compromised peripheral vision
• Temporary blindness caused by the glare of headlights from an oncoming vehicle

Tips to reduce your risk 

To reduce this type of risk, you can:

• Get a vision exam to make sure your eyesight is good and make any corrections with glasses or lenses, as needed
• If you wear glasses, make sure they’re anti-reflective to reduce glare on the road
• Focus on the road ahead of you and avert your gaze from oncoming headlights
• Aim your headlights properly 
• Reduce the brightness on your dashboard to limit contrast, which can be difficult for your eyes to process
• Keep your windshield clean and streak-free on the interior and exterior of your vehicle
• Slow down and drive carefully to compensate for reduced visibility 

Rush hour and drowsy driving 

You’ve had a long day and you’re tired and you just want to get home. There’s just one thing in your way — rush hour. 

Everyone loathes the rush hour commute, but did you know that the hours between 4 pm and 7 pm are actually the most dangerous times to be on the road? Couple that with the fact that the national average time of sunset is around 4:30 pm in the winter months and you have a recipe for disaster. 

Driving in the dark can also trigger waves of fatigue in many people, especially if you’re already tired. Drowsy driving is also more likely to lead to fatal car crashes in the late afternoon, according to NHTSA. In other words, rush hour and drowsy driving can be a lethal combo. 

Major risk factors 

If you’re in your car driving at night during rush hour and while fatigued, there are numerous risk factors to be aware of including:

• Bumper-to-bumper traffic (ugh)
• Aggressive or angry drivers wanting to get home
• Fatigued drivers who are acting carelessly
• Potential increase in accidents

Tips to reduce your risk 

To reduce your risk in this case, you can:

• Try to leave earlier or later to avoid rush hour traffic
• Practice defensive driving and stay alert 
• Check-in with your fatigue levels and pull over to a rest area, if needed
• Take deep breaths to remain calm

Distracted driving

Driving requires that you remain focused on the road. Nighttime driving requires more of your attention as there are more variables that can affect your risk. That’s why it’s crucial to limit distractions. 

Distracted driving is a leading cause of accidents. One minute you’re driving safely, the next you check a text message or take a quick selfie for the ‘gram, and before you know it, you’re in a fender bender, or worse, a fatal car crash. 

Major risk factors 

Driving distracted in the dark comes with many risk factors, including:

• Slower reaction times
• Not being aware of surroundings or aware of other pedestrians, drivers, and debris
• Impairment from the glare of your phone screen 
• Not driving defensively because your attention is elsewhere

Tips to reduce risk 

To reduce your risk of distracted driving in the dark, you can:

• Avoid looking at your phone while in the car (hide it in the glove compartment if you need to!)
• Don’t eat, put on clothing or makeup, or talk on the phone while driving (it can wait, if not, pull over)
• Consider blocking social media on your phone while driving 
• Be aware of your surroundings and drive defensively 

Driving under the influence 

Unfortunately, driving under the influence of alcohol or other substances is on the rise. Many DUI or DWI cases happen in the car, driving at night. The NHTSA found that as of 2019, alcohol impaired drivers involved in fatal car crashes were 3.3 times more likely to happen at night than during daylight hours. That’s why it’s crucial to avoid drinking or taking substances that can impair your driving and be mindful of other drivers who might be swerving or losing control of their car due to alcohol or drugs. 

Major risk factors 

Driving under the influence has many major risk factors including:

• Impaired judgment and coordination
• Delayed reaction times
• Altered prefrontal cortex, which affects decision-making skills 
• Serious property damage or bodily injury 

Tips to reduce risk 

To reduce the risk of driving under the influence or coming in close contact with a driver who is:

• Don’t get behind the wheel after drinking (even if you’re “just buzzed”)
• Take a ride-sharing service or taxi 
• Get a ride from a friend
• Drive defensively and be on the lookout for erratic driving in others
• Call 911 if you suspect a driver is drinking and may cause harm 

Top car + driving at night safety tips 

Nighttime driving has additional risk factors that can impact your overall safety. To recap, here are the top car and driving at night safety tips. 

1. Put your headlights in the correct position when driving your car at night.
2. Avert your gaze from oncoming headlights
3. Make sure you have the right glasses prescription and that they’re anti-glare
4. Keep your windshield clean
5. Drive slowly and carefully 
6. Check-in with your energy levels and avoid drowsy driving
7. Leave before the sun sets 
8. Try to avoid rush hour traffic by leaving earlier or later than the peak window
9. Be vigilant on the road and practice defensive driving
10. Keep your phone out of reach while driving
11. Don’t eat, put on makeup or clothing, or talk on the phone while driving
12. Be aware of surroundings and watch for distracted or erratic driving
13. Don’t drink and drive or use substances (seriously, it’s not worth it)
14. Use a ride-sharing service or take a taxi
15. Have a friend be the designated driver
16. Be on the lookout for drunk drivers and keep your distance
17. Call 911 if you see a drunk driver placing others in harm’s way 

Using these 17 tips, nighttime driving can be a bit safer overall for you and others while on the road. 

The bottom line 

Driving is always a game of risk but nighttime driving, unfortunately, increases those odds. When driving at night you should take additional precautions to manage these risks and stay safe. To stay safe, make sure you’re also properly insured with the right coverage. If you’re a low-mileage driver, it’s time to rethink your auto coverage and pay only for the miles you drive. Save more while driving less and get more out of your coverage with pay-per-mile insurance. Check out your free quote with Metromile.

Having car insurance is a requirement in many states and can help you protect yourself and your property, as driving is inherently risky. Though you may have to get car insurance, you want to get a policy through a company that you feel has your back and can help you in the unfortunate event you need their help due to an accident. Plus, you want coverage for your specific needs, lifestyle, and budget. Given these factors, at some point, you might consider switching car insurance providers and trying out something new. You might have a big life change like a cross-country move, a marriage or divorce, or have an unpleasant experience with your current car insurance company and decide you want to take your business elsewhere. Learn how to switch car insurance and what to know about the process.

Step 1: Research car insurance providers 

If you’re thinking of switching car insurance providers, before making any moves ease into the process and do your due diligence. That means researching car insurance providers to see what’s out there. 

You can look at their websites, social media, and the Better Business Bureau. You can also look at the National Association of Insurance Commissioners (NAIC) website and use their Consumer Insurance Search tool to see various reports about your potential car insurer. That way you’re armed with knowledge and know which car insurance providers make it to the next round. 

Step 2: Review your coverage needs 

Most states have minimum liability insurance requirements to drive on the road. But notice the word minimum. That’s just the basic coverage. But there are many different types of auto coverage, from liability only to collision insurance and comprehensive insurance. 

The less insurance coverage you get, the less expensive it’ll likely be, but you’ll be more at risk financially. The more insurance you get, the more expensive it’ll be but you’ll be more protected in a variety of situations. Consider your needs and what type of policy might be the best fit. 

Step 3: Consider pay-per-mile coverage if you don’t drive a lot 

You might look into traditional auto insurance coverage, but you don’t want to miss out on pay-per-mile coverage if you don’t drive a lot. Many people have made the switch to working from home, slashing their commute time and related costs. 

If that’s you, consider pay-per-mile coverage if you drive fewer than 10,000 miles each year. Metromile offers this type of insurance which could save you up to $947* per year. Rates begin at $29 per month, plus a few cents for every mile you drive. 

Step 4: Shop around for car insurance quotes 

After researching on car insurance companies and assessing your coverage needs, it’s time to look at the numbers. 

Shop around and get car insurance quotes with multiple car insurance providers. Review rates, coverage options, and terms and conditions. Also, see if you qualify for any potential discounts. Get at least three car insurance quotes, so you have enough options to compare. 

When shopping for car insurance and getting quotes, select the same type of coverage for each, so it’s an accurate comparison. During this process, you’ll typically need to provide your zip code, VIN, driver’s license, and information about the type of vehicle you want to insure. 

If you see better rates at another car insurance provider but are unsure about switching car insurance, you can contact your current insurer to see if it’s possible to get a better rate or qualify for a discount. 

Step 5: Look into potential cancellation or other types of fees 

Before switching car insurance providers, contact your current car insurer to see if there will be any consequences. 

For example, if you cancel your current car insurance policy in the middle of your coverage term before the renewal period, your insurer may tack on a cancellation fee. They might not, either, but you want to know what you’re getting into before making any moves. No one likes a surprise fee (The good news is that Metromile doesn’t charge any cancellation fees). 

Also, ask how much notice they require to cancel and keep a paper trail of your communication, so you’re all set. 

Step 6: Get a new policy with the new insurer 

The next step is to get a new policy with the new insurer. Ask the company when your policy will start and when you’ll receive your car insurance cards. 

Switching car insurance can be a good move in a various circumstances, but it’s also a delicate dance as you must avoid any lapses in car insurance coverage to avoid trouble. 

If you have a lapse in coverage, you could be considered a risk, even if it’s unintentional. On top of that, you could be hit with fines or even get your license suspended. And you don’t want to imagine getting into an accident if there is a lapse in coverage. 

So while getting new coverage, make note of the start date. Then, make sure you cancel your old coverage, and it lines up with when your new coverage starts. 

Step 7: Officially cancel your old car insurance policy 

After starting your new insurance coverage, make moves to cancel your old car insurance policy. Again, make sure there is absolutely no lapse in coverage at all. 

Get it all in writing. Your car insurer may have its own process to cancel coverage, so follow their recommended steps. 

After canceling your old policy, keep the paperwork for your records. Also, make sure you have the new coverage in place and your car insurance cards are in your wallet so you’re prepared and covered while driving. 

When is the best time to switch car insurance companies?

Switching car insurance providers requires a bit of research and work, but can make sense in certain situations. Here are some of the best times to make the switch:

• You have a life change or a lifestyle change, such as a marriage or divorce or going from commuting to working from home. 
• You have moved. Whether it’s in the same city or state or out-of-state, moving can affect your car insurance premiums. 
• You’re unhappy with your car insurance provider. Like any relationship, the value you get should be more than the cost. If you’re dissatisfied, switching car insurance providers can be a good idea. 
• You’ve added a car or a new driver to your policy. This may change your risk profile and can affect your premium. 
• Your car insurance premiums have skyrocketed. If your rates have exploded due to a speeding ticket or accident, shop around. 

Is switching car insurance possible with an open claim? 

If you have an open claim with your current car insurance provider and are thinking of switching car insurance, it’s best to hold off. 

While it may be possible to make the switch, it’s not a great idea. Filing a claim typically comes with an increase in costs at the time of renewal, if you’re found at fault. So making a switch during that process, may mean paying more sooner. Also, getting your claim taken care of can take time, and it may be messy to make the switch mid-way. 

Can I get a refund if switching car insurance before the renewal period? 

You might wonder if you can cancel car insurance at any time. The good news is you can. If you’re canceling and switching car insurance before the renewal period, you’ll likely get a portion of your premium refunded to you. There may be additional fees tacked on, but you are eligible for a car insurance premium refund before your term is up. 

The bottom line 

Sometimes change is a good thing and the same is true when switching car insurance. If you want to figure out how to switch car insurance and take the appropriate measures, follow these seven steps to get started. If you’re unhappy with your car insurance rate and are a low-mileage driver, it’s time to rethink your auto insurance. Stop paying for miles you aren’t driving and pay based on how much you do actually drive through pay-per-mile insurance. Check out coverage options and potential rates 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.

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

As the temperatures drop in the winter season, driving becomes more of an inconvenience. You might be dealing with rain, ice, snow, and frigid temps, all of which can have an impact on driving conditions. Sometimes winter driving is more than just an inconvenience and can be dangerous. According to the National Highway Traffic Safety Administration (NHTSA), as of 2019, there were 33,000 injury crashes and 440 fatal car crashes that occurred in winter driving conditions. But by taking a few preventive measures and precautions, you can significantly reduce your risk and feel safer behind the wheel. Find out the top 15 winter driving tips to help you stay safe.

Winter driving preparation tips 

When the air is crisp and cold, it can change how your vehicle operates and certain conditions. As part of your winter driving car maintenance, check up on the following: 

1. Inspect your car tires 

There are two main things you want to do with your car tires to prepare for winter driving conditions. 

1. Check tire pressure
2. Review the type of tire you have and consider upgrading to snow tires

Your tire pressure is something you should ideally check every month, but lower temps (as well as extreme heat) can affect your tire pressure. Look at your owner’s manual to see the suggested pressure. You don’t want your tires to be underinflated or overinflated. Instead, you want the Goldilocks amount, something that is just right. 

Additionally, if you have the wrong tire type you may be more susceptible to getting stuck in the snow. Getting snow tires and snow chains can help. Also, be aware of uneven tire patterns, which can be a warning sign for other car issues. 

2. Check your car battery 

You know how you might have less energy in the winter and feel like hibernating? Your car battery is kind of similar. In winter driving conditions, your car battery requires more power to start. 

Due to the additional effort, you want to make sure your car battery is in tip-top shape. Consider taking your car to a mechanic to check your car battery and make sure all the parts are running as they should. 

3. Know your brakes

For winter driving safety, it’s key to be aware of the type of brakes you have. If you have anti-lock brakes, you can apply steady pressure, but if you have non-anti-lock brakes, you’ll need to pump them gently, so you avoid locking them and losing control. If you hear squeaky brakes, it’s time to get a check-up ASAP. 

4. Review type and condition of floor mats 

The wintertime is a great time to review a part of your car you probably don’t think much about…your floor mats. These may just seem like an accessory but can impact driving conditions when your shoes are exposed to rainy or snowy weather. 

For example, when you get into your car, you might bring some of the snow or rain with you, and mats could be slippery. For more traction, consider rubber mats. Be sure to make sure your floor mats are securely fastened and placed correctly to help you avoid any issues when accelerating or braking. 

5. Make sure your lights are working properly 

Your lights communicate important information to other drivers. Your turn signal tells other drivers you’re about to turn, your hazard lights are required when you pull over, and having your headlights work is a key part of seeing the road ahead of you (and for other drivers to see you!). 

Double-check these lights and make sure they’re working properly before doing any winter driving.

6. Check windshield wipers and defroster 

Your windshield wipers are a much-needed sidekick during the winter months. They can help in the rain and snow to make sure you can still see ahead of you. 

So first, check that the blades move effortlessly from side to side and are in good condition. Next, check your fluid levels and opt for specific winter fluid to help break down ice and snow. Lastly, see if your defroster is working as it should. If not, you might need to get it checked out by a professional. 

7. Look at your cooling system 

Another car maintenance task you might forget about or put off is looking at your cooling system. 

During the winter months, you can test the cooling system and replace any coolant as needed. Cars.com recommends changing your coolant about every 30,000 miles, however, that may vary depending on your vehicle. 

Winter driving tips before hitting the road

Before hitting the road in winter driving conditions, you want to be ready for anything and be prepared. Below are winter driving tips that are useful before you get behind the wheel. 

8. Prepare your winter driving safety survival kit 

Having a few important items and keeping your car in good shape can help you if you’re in a bind. Here’s what to put in your winter driving safety survival kit:

• A flashlight
• Jumper cables
• Blankets
• Flares
• Ice scraper 
• Snow shovel
• Sand or salt (if you get stuck in snow) 

The above are requirements but some bonus items might also include:

• Dry pair of warm socks
• A jacket
• Gallon of water
• Snacks
• Portable cell phone charger 

9. Check the weather and traffic alerts

Though you don’t have control over everything, especially when it comes to weather, there are two things you can do to assess winter driving conditions:

1. Check the weather. Many phones have this as an app or you can check Weather.com. 
2. Look at traffic alerts and map out your route on Google Maps to see about potential closures, traffic, etc. 

Knowing these things ahead of time can help you avoid being stuck in an unexpected snowstorm you didn’t know was coming or help you find a new route if there are road closures. 

10. Fill up your gas tank 

You’d hate to deal with dangerous winter driving conditions and manage just fine only to find out you ran out of gas somewhere while stuck in the cold. So, here’s your warning! Fill up the gas tank to keep your car running and happy! 

Know what to do in unexpected situations 

Winter driving safety is of utmost importance. When you add variables like rain, cold temperatures, ice, and snow, you can find yourself in unexpected situations. The best thing to do is to know how to react ahead of time. 

11. Know how to get unstuck

One thing that could happen? You could get stuck in snow. If you do get stuck in the snow, avoid spinning your wheels as this will just dig you deeper into the slush. 

Figure out the simplest way to dig yourself out of the hole and clear the snow in front of and behind all four tires before spreading sand or kitty litter to provide instant traction (this is why these materials are good to have on hand in your winter survival kit in your car). 

As you maneuver the vehicle out, keep your front tires straight so you’ll encounter less resistance. Learn about eight things you can do if you’re stuck in the snow. 

12. Be prepared for a skid

Skidding on an icy road can be scary, but it’s important to stay as calm as possible (deep breaths!) so you can move through the important safety steps: avoid slamming on your brakes, take your foot off the gas, and steer in the direction you want to go. Allow the car to slow down so you can regain control.

13. Adjust your speed accordingly

When weather conditions change, it’s important to stay present and in tune with your surroundings. You may need to drive slower than the speed limit to stay safe and in control. 

Remember that posted speed limits apply to dry roads, not those covered in ice or snow, so let your sense dictate your speed, not necessarily the signs.

14. Take on hills the right way 

You may be tempted to power up a hill, but using extra gas on a snowy incline can cause your wheels to spin. 

Instead, gain some inertia on a flat road before you reach the hill, and as you reach the peak, reduce your speed (but don’t stop!) so you can head downhill as slowly as possible.

15. Get roadside assistance 

Your winter driving safety is super important. If you don’t want to go it alone, the good news is you can get roadside assistance to help out if you need it. Roadside assistance is available as additional optional coverage for Metromile customers. 

The bottom line 

When you get behind the wheel to drive, there is a level of risk. Added variables like inclement weather can increase that risk. Using these 15 winter driving tips, you can do your part to stay safe while on the road. If you’re still paying a flat rate for car insurance and don’t drive that often, it’s time to rethink your auto insurance coverage. Metromile offers pay-per-mile coverage at an affordable rate, with an option to add roadside assistance. Get a quote in a matter of minutes.

Your tires keep your car moving, and their condition can affect your overall safety and driving conditions. You might know intellectually you should check tire pressure, but did you know it’s recommended to do so once every month? It’s true. All the wear and tear on your tires can impact your tire pressure. If you don’t have the optimal tire pressure, it’s likely your tires are underinflated, which can lead to uneven tire wear patterns or a tire blowout, which can be dangerous. On top of that, according to the National Highway Traffic Safety Administration (NHTSA), having properly inflated tires can save you up to 11 cents per gallon of gas. The agency also reports that only 19% of consumers have properly inflated tires. That’s why it’s important to check tire pressure as part of your regular car maintenance. Here’s how to check tire pressure and why it’s important.

Where to find the ideal tire pressure for your vehicle 

Your car has an ideal tire pressure range. Tire pressure is measured as pounds per square inch (PSI) or kilopascals (kPA), explains NHTSA. This information can be found in your owner’s manual or driver’s side door. 

America’s Tire notes that many passenger cars will have a tire pressure range of 30 to 35 PSI; however, some cars may deviate from that. 

When in doubt, review your owner’s manual, which is your go-to guide on how to take care of your vehicle. You should always go with what’s listed in your manual and not necessarily what is listed on the tire, recommends the NHTSA. 

How you can check your tire pressure 

In order to check tire pressure, you need to have a tire pressure gauge on hand. You can typically find these at your local gas stations as well. But here’s why it might make sense to get a tire pressure gauge of your own. 

The NHTSA recommends checking your tire pressure first thing in the morning when your tires are cold — at least three hours of being in rest mode and not driving. When you drive your car, your tires heat up, which can affect the tire pressure, and give you an inaccurate reading. So unless you live next door to a gas station, having your own tire pressure gauge can help. 

Here’s how to check tire pressure:

Step 1: Review the ideal tire pressure listed in the owner’s manual of your car. 

Step 2: Get a tire pressure gauge to accurately assess PSI.

Step 3: One by one, go to each tire, take off the cap and place the tire pressure gauge in the valve. There are manual and digital tire pressure gauges available. Press down the gauge long enough to hear a hissing sound resulting in a reading. 

Step 4: Review the tire pressure readings for all tires and compare them to the ideal tire pressure listed in your car’s manual. 

Step 5: If needed, take action and either add air or release air from tires (more on that soon)

Step 6: Make sure the tire pressure in all four tires is at the desired level. 

Step 7: Schedule a tire pressure check for one month later, and repeat. 

When your tire pressure is too low…

If your tire pressure is lower than what is recommended in your owner’s manual, you need to take action and fill up your tires. How much you fill up your tires will be the net missing amount. 

In other words, take the recommended PSI and your current tire pressure measured in PSI, and that’s how much you need to fill up your tires. You can typically do this at your local gas station. 

• Park your car close enough to reach your tires, take off the valve caps, and lock the air pump onto the tire. 
• Turn on the pump or compressor and inflate your tire to the recommended PSI. 
• Turn it off. 
• Do this for all four tires and put caps back on. 
• Review all tires and that your levels are set.

When your tire pressure is too high…

Your tire pressure can also be too high and be overinflated, which can also be dangerous. Overinflated tires can mean less traction on the road, more wear and tear, and can increase the likelihood of a tire blowout as well. 

To get tires back to the appropriate pressure, the NHTSA states “If the tire pressure is too high in any of the tires, slowly release air by gently pressing on the tire valve stem with the edge of your tire gauge until you get to the correct pressure.”

How often should you check your tire pressure? 

Your car carries a lot of weight and sometimes hits objects, curbs, or debris. That, plus the weather can impact your tire pressure. 

To stay safe and be fuel-efficient, the NHTSA recommends you check tire pressure once a month. It’s best to check your tires before driving when they are considered cold.  After driving, your tires can heat up and affect the accuracy of the reading. 

So be sure to put “check tire pressure” in your digital calendar as a recurring event so you can keep up with proper car maintenance. 

The bottom line 

Your car tires are basically like a vital organ for your vehicle. You want to keep them in great shape for your safety, fuel efficiency, and driving conditions. Learning how to check tire pressure isn’t that hard, but it’s more important to remain consistent and check it once a month. Keeping up with regular car maintenance can be a good preventative measure for trouble down the line. As part of your car maintenance, you can also do a car insurance audit and make sure your coverage is the right fit for you. Not driving so much these days? You could score additional savings by making the switch to pay-per-mile car insurance. If you’re still paying for miles you aren’t driving, it’s time to rethink your auto insurance. Get a 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.

If you’re ready to walk down the aisle and say “I do” you know you’re in for a serious commitment. According to most marriage vows, that includes “for better, for worse, for richer, for poorer, in sickness and in health.” As part of your union, your finances, taxes, and insurance may all be affected. But is car insurance cheaper when married or more expensive? In many cases, you may benefit from a change to your marital status but not always.

Is car insurance cheaper when you’re married? 

Being married means combining many aspects of your life. That may include your car insurance coverage. If you get a joint car insurance policy as a couple, you may be able to score a married insurance discount. 

According to financial site ValuePenguin, a full coverage car insurance policy on average is $123 cheaper for a married couple than a single individual, resulting in a 5% savings. But that also depends on the state you live in as well. 

You may qualify for a steeper discount on your car insurance when married — or not, depending on the situation and your driving history. 

Why does being married lower car insurance? 

You might wonder what your marital status has to do with car insurance and why does being married lower car insurance in some cases? Why do married people get additional car insurance savings than their single (at least, legally) counterparts? According to The Zebra’s 2021 The State Of Auto Insurance Report (pg 15), here’s part of the reason:

“Statistically, insurance companies have found that married drivers are less likely to file claims than drivers who are single, divorced or widowed, so married drivers pay less for car insurance. When single people get married, their car insurance rates drop about 6.5%, saving roughly $96/year.”

In other words, if there are fewer claims, married people are deemed safer drivers and not as risky. According to The Zebra, there are some states where you won’t see a married insurance discount though. Hawaii, Massachusetts, Michigan, and Montana don’t allow car insurance rates to be impacted simply because you have a ring on it (or not). 

On top of being deemed a safer driver, couples are rewarded for bundling their auto insurance and having a multi-car policy. So there’s not exactly an insurance discount available by car insurance providers for being married. 

Instead, your marital status is one factor that can impact your rates, and you can get a discount for having a multi-car policy. 

When you won’t get lower car insurance rates when married 

Because rating factors for marital statuscan vary by insurer and your state, not everyone who gets hitched will see car insurance savings (womp womp).

In fact, if your spouse has a not-so-great driving record and you get a joint policy, you may face even higher car insurance rates. So on top of talking about debt levels, credit scores, and taxes when married, discussing your driving history is a wise idea before opting for a joint policy. 

If one person has a stellar driving record and the other one does not, you may want to keep things separate (just like there are financial reasons to file your taxes separately in some cases, such as having income-based student loan repayment). Of course, you can always comparison shop and review an individual versus joint policy to see your prospective rates. 

You may need to list your spouse on your policy anyway if you live together, even if you have separate policies. In that case, you may ask for a named-driver exclusion that acknowledges the party in your household but won’t affect your rates. That driver won’t be covered under your policy and shouldn’t drive your vehicle either. However, some states may not offer this option. 

Marital status and car insurance 

In many instances, if you’re married, you’ll want to check your auto insurance policy to see if you can qualify for a discount on a multi-car policy. It’s important to note though that marriage insurance discounts depend on the following:

• The car insurance provider
• Each of your driving records
• The state you live in 
• The area you live in

To score competitive car insurance rates, be sure to ask your current car insurance provider about any potential discounts after your legal union. 

Additionally, compare rates with a joint policy and look at the numbers separately. In theory, if you both have pretty good driving records with no recent infractions, you should see some savings. But it’s always a good idea to see for yourself, so you know what you’re getting and know you’re not missing out. 

When it’s not happily ever after 

No one gets married imagining a divorce will happen later on. But the likelihood of first-time marriages in the U.S. ending up in divorce is close to 50%, notes the American Psychological Association. As if that isn’t difficult enough, it’s important to be aware that splitting up may also impact your rates. 

While marriage may positively impact your car insurance rates, the converse is also true in that divorcing may negatively impact your rates. From Zebra’s analysis, divorced drivers tend to file more claims than married drivers. 

The bottom line 

Marriage can change many aspects of your life, including your insurance. A common question  is if car insurance is cheaper when married.In many cases, yes it is, but not always. That’s why it’s important to do your own research to see if a joint policy would make sense or not. Regardless, your marital status may impact your car insurance rates whether it’s an individual or joint policy. If one or both of you are low-mileage drivers, it might be time to rethink your auto coverage altogether and pay-per-mile insurance might be the solution for you. Why pay for miles you aren’t driving, when you can get insurance based on the miles you actually drive? That way you know you’re not overpaying for coverage. Find out pay-per-mile coverage options through Metromile and get a free quote. 

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.