Metromile Car Insurance Review: Rates & Discounts in 2023
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UPDATED: Jul 16, 2023
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- Metromile car insurance only charges you for the miles you drive on top of a monthly base rate
- Drivers who don’t rack up many miles will save the most
- Metromile car insurance company has more customer complaints than other companies of the same size
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.
Frequently Asked Questions
What is Metromile car insurance?
Metromile is a car insurance company that offers pay-per-mile insurance coverage. It is designed for drivers who do not drive frequently or have low mileage. Metromile uses a device called the Pulse to track the number of miles driven, and premiums are based on the number of miles driven.
How does Metromile determine car insurance rates?
Metromile calculates car insurance rates based on two primary factors: a base rate and a per-mile rate. The base rate is a fixed fee that covers comprehensive and collision coverage while the per-mile rate is based on the number of miles driven. The total premium is the sum of the base rate and the per-mile rate multiplied by the number of miles driven.
How can I save money with Metromile car insurance?
Metromile offers several potential ways to save money:
- Pay-per-mile pricing: If you don’t drive often or have a low annual mileage, you can save money by paying only for the miles you drive.
- Safe driving discount: Metromile rewards safe driving behavior with potential discounts based on factors such as speed, hard braking, and time of day.
- Bundling discounts: You may be eligible for discounts if you bundle your car insurance policy with other insurance policies, such as homeowners or renters insurance, with Metromile.
- Anti-theft device discount: Installing anti-theft devices in your vehicle can qualify you for additional discounts.
- Good student discount: If you or a covered driver on your policy is a full-time student with good grades, you may be eligible for a discount.
- Multi-car discount: Insuring multiple vehicles under the same Metromile policy can lead to discounts.
- Safe Street discount: If you park your vehicle in a safe location, you may qualify for the Safe Street discount.
How do I get a quote from Metromile?
To get a quote from Metromile, you can visit their website or contact their customer service. They will typically ask for information such as your name, address, vehicle details, and estimated annual mileage. Based on this information, they will provide you with a personalized quote.
Are there any limitations or drawbacks to Metromile car insurance?
While Metromile car insurance can be a cost-effective option for low-mileage drivers, there are some limitations to consider:
- Limited availability: Metromile is not available in all states, so its coverage may be limited depending on your location.
- Mileage restrictions: If you frequently drive long distances, Metromile may not be the most cost-effective option as the per-mile rate can add up.
- Device requirement: Metromile requires the use of their Pulse device to track mileage, which may not be convenient for everyone.
- Limited coverage options: Metromile’s coverage options may be more basic compared to traditional insurers, so if you require extensive coverage or additional policy features, you may need to explore other options.
How do I cancel my Metromile car insurance policy?
To cancel your Metromile car insurance policy, you will need to contact their customer service. They will guide you through the cancellation process and provide any necessary instructions or documentation.
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