How to Make Your Spring Break Road Trip the Best One Yet

Are you and your friends hitting the road for Spring Break? Whether you’re heading to a big beach party in Miami or a low-key wine trip in Napa, Metromile has your best interests in mind when it comes to their road trip policy. With our per-mile insurance, any miles you drive above 250/day (150/day in certain states) are on us.

Check out our road trip tips below for a spectacular spring break.

road trip tips

Double check: Make sure your car is up-to-date with oil changes and maintenance needs, and check your tire pressure. If you are concerned, swing by a local mechanic who can give your car the okay for a long road trip. Before departing, confirm that you and the other drivers have their license, and the car has proof of registration and insurance.

Alert, alert: Take turns behind the wheel to keep the driver awake and alert. Assign the passenger sitting shotgun to stay awake and chat with the driver. Create a playlist with all of your favorite jams and sing along!

Map your trip: Queue up your trip in Google Maps or Waze, but be sure to familiarize yourself with the route ahead of time.

On a budget? Use a fuel cost estimator to get an idea of what you’ll be spending on gas, and save on snacks by stocking up at your local grocery store, instead of buying overpriced food at a roadside stations.

Bring a road trip survival kit: Package a car charger, water bottles, first aid kit, extra set of car keys, and basic car tools such as jumper cables, flares, and a flashlight. Leave the survival kit in your car after the trip to have in the case of an emergency.

Don’t forget the essentials: sunglasses, suntan lotion, and a phone charger so you can Snapchat every moment of your trip. For more ideas, check out our spring break checklist.

If you find yourself mostly using your car for road trips, you could benefit from Metromile pay-per-mile insurance. Get a free quote here. Enjoy your trip!

Quiz: Is Pay-per-mile Car Insurance Right for You?

Have you ever wondered if your current car insurance provider truly fits your lifestyle? Here at Metromile, we are on a mission to provide low-mileage drivers with a fair and affordable car insurance where their monthly bill is based on the miles they actually drive. We believe that if you don’t drive much, you shouldn’t pay much! So if you’ve been thinking of making the switch but aren’t quite convinced, we put together this handy quiz to help determine if pay-per-mile car insurance is right for you. And if you ever have any questions about our offering, don’t hesitate to get in touch!

pay-per-mile car insurance quiz

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!

We’re shaking things up in California!

We’re thrilled to announce that pay-per-mile insurance is now available in California, joining Washington, Oregon, and Illinois. Check out this great new video that explains how Metromile’s pay-per-mile insurance works:* 

Did you know that, on average, a California driver only logged around 8,500 miles in 2011?** That means most people in the state would be great candidates to save – per-mile insurance is an economical option for those who drive fewer than 10,000 miles per year.

Visit our site to learn more and even get a quote!

Be sure to check out the latest and greatest on our app too – we’ve released some awesome new features:

  • Ask a Mechanic:  If you have any questions about the health alerts of your car, you can now directly contact our very own mechanic from within the app.
  • Speed Tracking: We added an overlay for speed by trip so you can see how fast you were going.
  • Gas Customization: We get it – there are 3 octane levels for fuel out there, and now you can enter the type you use to better estimate gas costs. The price of gas is based on the average price in your zip code.

As always, many more fun(ctional) things to come!

 

* Prices shown in video are examples only. Exact monthly rate and per-mile rate vary based on driver history, car’s make and model, and other additional factors.

** ”Moving Off the Road | A State-by-State Analysis of the National Decline in Driving”, Phineas Baxandall, US PIRG, August 2013