Metromile Car Insurance Review: Rates & Discounts in 2023

If you are looking for cheap car insurance, you might want to consider Metromile. Metromile offers cheap rates based on the number of miles you drive, especially if you drive less than 10,000 miles a year.

Many companies offer usage-based insurance and discounts, so be sure to shop around before you buy Metromile car insurance. The nature of usage-based insurance makes it hard to request quotes, but you could still save today by shopping around. Enter your ZIP code now to compare car insurance quotes today.

How does Metromile work?

Pay-per-mile auto insurance is a new concept. Insurance companies can give lower rates to drivers who have limited mileage because the risk of an accident is lower, according to Forbes. This allows the insurance company to take on less risk.

With Metromile, an app on your phone is used with a device that plugs into your car. The app then reports your mileage. With your Metromile login, you can check your trip data, update your billing information, even find your lost car.

Your Metromile car insurance rates are calculated in two ways. First, normal insurance factors, such as your age, driving record, and coverage type are used to calculate a base rate. You should be able to get a Metromile quote on this part of your policy.

Then, you are charged an additional rate based on how far you drive in a month.

Because your overall rates change based on your mileage, you can’t get a truly accurate Metromile car insurance quote.

If you budget for your monthly expenses, this type of car insurance may be difficult since your rate will be different every month.

However, you can save even more money with Metromile car insurance discounts. Although not all common discounts are offered, you can take advantage of the discounts that are available, such as multi-car, continuous coverage, and a safe driver car insurance discount.

You can get all of the usual coverages offered by large car insurance companies, such as liability, collision, and comprehensive. You can also choose from additional coverages like roadside assistance and glass repair.

Metromile car insurance is currently only offered in Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.

Case Studies: Metromile Car Insurance Review

Case Study 1: John’s Savings

John, a frequent public transit user, recently switched to Metromile car insurance. As he primarily uses his car for short trips and occasional weekend getaways, he found that the traditional fixed premium model was not cost-effective for him. With Metromile, John was able to significantly reduce his insurance costs by paying based on the actual miles he drove.

Case Study 2: Sarah’s Experience

Sarah, a cautious and responsible driver, chose Metromile car insurance to take advantage of its telematics-based discounts. Metromile’s Pulse device, a small device installed in her car, monitored her driving habits, including speed, braking, and mileage. Sarah appreciated how this technology enabled her to earn discounts based on her safe driving behavior.

Case Study 3: Mark’s Roadside Assistance

Mark, a frequent traveler, had a positive experience with Metromile’s emergency roadside assistance. When his car broke down during a business trip, Metromile promptly sent a tow truck, providing him peace of mind.

Is Metromile worth it?

While you can probably get affordable Metromile car insurance, it might not be the best fit for you.

Metromile reviews leave a lot to be desired. There have been concerns with Metromile customer service, as well as complaints about billing and the speed of claims being settled.

However, if you are just looking for the cheapest option out there and don’t drive a lot of miles, Metromile is worth looking into. It’s a good fit for stay-at-home parents, drivers who work from home, or drivers who can take public transportation on a regular basis.

Although Metromile is one option, there are other companies out there that offer similar car insurance savings.  You could save even without a usage-based program. Enter your ZIP code now to compare car insurance rates from various companies for free.