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Metromile Just Made It Even Easier to Save Money

Here at Metromile, we’re all about providing a more fair and affordable insurance option for low-mileage drivers, but we don’t stop at just helping our customers save money. We also have a smart driving app that takes the hassle out of car ownership, with useful features like a car locator and street sweeping alerts (in select cities). Now, we are giving customers an even easier way to save with a new billing feature, which tracks mileage costs throughout the month.

save money

The inspiration for this feature came from our loyal customers. Since Metromile’s pay-per-mile insurance model is unique in that the monthly bill is based on mileage, pricing can change from month-to-month depending on how much is driven. Many of our customers said that they would find ways to drive less if they could track their bill throughout the month. That’s exactly what this new feature will allow them to do. Now, customers can see how each mile they drive affects how much they pay. By keeping tabs on monthly mileage, it’s easier than ever to stay in control of how much customers pay (and save).

If you are a Metromile customer, the new Billing feature is simple to use. Open our app and you will see the new Billing card appear on the overview screen, giving a quick glance at your charges to-date. You can then click to drill in deeper and see the breakdown of your current bill, as well as previous bills.

If you have an idea of how Metromile’s app could be even more helpful, don’t hesitate to drop us a line. You can reach us at appfeedback@metromile.com. Happy driving!

Customer Story: Ken from Oregon

Here at Metromile, we always appreciate hearing from our customers and how our work has touched their lives. Thanks Ken!

We have been with Metromile for about a year and a half and could not be more pleased. Our initial reasons for signing up with them was their rate structure based on actual miles driven, since we drive far less than the average driver. A secondary reason was that Metromile offered a much better rate for our teenage son who was on our policy at the time. 

We also really like the feature where we can track all of our trips. It came in very handy recently when my wife dropped a family member off at the airport. Somehow, she lost the parking ticket receipt so they charged her the full day rate. she was able to download and print the trip data that showed she was only there for less than a half hour and was able to get a refund.

Customer service has been top notch. Whenever we have called with a question, we get to speak with someone right away without having to navigate through a menu first. The customer service reps have always been able to answer questions and make changes to our policy with no hassle.

The true test with an insurance company, however, is will they be there for you when you need them. Based on my experience, I can unequivocally say yes. A little more than a year ago, I was involved in a crash when someone ran a stop sign and T-boned my vehicle. Fortunately I was unhurt, but the car was disabled as a result of the crash. While waiting for the police to arrive, I called Metromile to inform them of the crash. A few minutes later I got a call from Sean Griswold, the Vice President of Customer Experience and Claims. He immediately asked if I was injured, and I could tell that his concern for my well being was genuine. 

Sean and I had spoken before and he was always very helpful. He immediately arranged for a rental car for me to use to get to work, and the car was ready before my vehicle was towed back to the dealership. 

The claims process took weeks to finally resolve, in part because the other driver who was at fault did not have adequate insurance. A second complication was that this was an almost new vehicle and a new model that year. The extent of the damage needed to be determined in order to decide whether it could be repaired or not. Throughout the process, Sean and the claims adjuster assigned to my case kept me informed on an almost daily basis and provided documentation promptly to expedite the claim.

In the end it was decided that the vehicle was a total loss, and again, Metromile was ready and was able to transition my policy as soon as my replacement vehicle was at the dealer. 

Would I recommend Metromile? Absolutely! Great rates for someone who drives less, great customer service, useful features such as trip tracking, and most importantly, they are there for you when you really need them. What more could you want?

The Low Down on Pay-Per-Mile Insurance

By now, you may have heard of the Pay-Per-Mile insurance Metromile offers.  To put it simply, the less you drive, the more you could save. We are the only ones who offer this product in the USA (currently in 4 states)! We only measure mileage, not driving behavior (like how hard you brake).

Since launching in California, we’ve gotten many questions about per-mile insurance. We wanted to share some of our most common questions because chances are, you may be wondering the same thing.

  • How much money will I save with per-mile insurance?

On average, our customers are saving up to $500 per year. You can even calculate your potential savings within our app itself; just find “Insurance Savings” on the left-side menu. Visit our page and answer a few questions about yourself and your car. You will immediately be able to see a preliminary quote and use the savings calculator to see how much money you could save in a year.

  • Can I choose my coverage?

Yes! Just like with the insurance you have now, you can choose your deductible amount and liability protection. If you don’t need comprehensive or collision insurance, just set the deductible to “no coverage”. Use the slider to choose between different liability protection packages and see the monthly base rate as well as per-mile charge adjust.

  • What does per-mile insurance cover?

Metromile covers you just like any other car insurance. We offer full coverage including comprehensive & collision (the damage that occurs to your car). To cover property damage and injury to others, you can choose bodily injury liability limits of up to $250,000/$500,000.

  • How is my monthly bill calculated?

The monthly base rate varies based on the number of days in the month and how much you drive. You also aren’t charged for the miles you drive over 150 a day (250 in Washington). Starting with your second bill, the per-mile charges for the previous month are added to your bill.

  • Do I need to install the app before I get the insurance?

No, you don’t actually need our app in order to have the insurance. The app is one of two ‘portals’, if you will, to see your data, which we visualize for you in pretty graphs and charts. The other way to see your data is via the online dashboard (just log-in at metromile.com).

  • How long do I need to drive around after I get the app to make sure I’ll stay under 10K miles per year?

No need to wait!  As mentioned above, the app is separate from the insurance. You are the best person to assess how many miles you will drive per year. We have a feature in our iOS app that can help you estimate savings, but you don’t need to wait at all after installing the app in order to get the insurance.

  • Does my monthly base rate ever change?

Your quoted policy lasts for six months. After that time, your monthly rate will be re-evaluated at renewal. Several factors can affect your rate, like citations and violations.

  • How do I pay my Metromile insurance?

The amount due is automatically billed each month to the debit / credit card that you provide during sign-up. We make it easy for you to update your billing information anytime. Just edit on your online dashboard.

  • What other benefits are included with Metromile insurance?

Roadside assistance and rental car reimbursement are both included with our full comprehensive and collision coverage.

  • What if I decide I to sell my car or realize that I need to drive it much more often than I originally planned?

We understand that the adventure of life includes change – maybe you’ll decide to not have a car anymore, or you may have a new commute that requires putting more miles on the road. We realize that per-mile insurance may not work financially for you all the time. We just hope it becomes a considered option if it fits well with your lifestyle.

If you think per-mile insurance could help you save each month, request your free quote today and see how much extra savings you could pocket!