Car Insurance Coverages 101
When customizing your car insurance policy, it might be tempting to choose coverage levels that result in the lowest monthly bill. But if paying for insurance equates to paying for peace of mind, adding additional protection could be worth it in the long term. Note: Metromile offers the following coverage options, and all customers have access to 24/7 claims service.
This is the basic coverage level required for most U.S. drivers. If you are at-fault in an accident, your insurance policy will cover vehicle damage and/or bodily injuries to the other party (at the levels chosen). Each state has minimum required liability limits, but consider purchasing a policy with higher limits to ensure you’re better protected, even if your policy might cost a bit more. If the damage caused in an accident exceeds your coverage limits, you could be held responsible for the remainder of the costs.
Comprehensive & Collision Coverage
Comprehensive and/or collision coverage are often discussed together and known as “full coverage.” With collision coverage, in the event that you’re in an accident, your policy will cover damage to your car*. Comprehensive coverage means you are covered if anything happens to your car where no one is at fault* like a tree falls on it or there is weather damage. If you often park your car outside, this could be an important add-on. Keep in mind that the lower the deductible you choose, the higher the premium might be, but also the less you will have to pay if something happens. *Per the terms of your policy
Personal Injury Protection (PIP) or Medical Payments
PIP will protect you (and your passengers) against personal injury by covering medical expenses. PIP coverage varies based on state, and if it isn’t available, then you’ll likely have the option to choose Medical Payments coverage. How do they differ? Medical Payments usually covers only medical bills for you and your passengers. PIP will often extend to cover additional things like income loss, funeral expenses and essential services.
In addition to getting access to an on-call tow truck, roadside assistance can also provide you with flat tire changes, battery jump starts, locksmith services and more. If you love road trips, this might be a smart coverage for you! For Metromile customers, adding roadside assistance is typically much cheaper than using an external company like AAA.
If you don’t drive much, you can get all of the coverage needed to give you peace-of-mind, and still save money with Metromile. On average, our low-mileage customers are saving $500 a year. To see how much you could save, get a quick quote now.