If you are looking for a cheaper option for auto insurance, Metromile offers an intriguing solution. Its charges are based primarily on how much you drive.

Launched in 2011 in San Francisco, Metromile sells car insurance to people who would rather pay by the mile. As of August, 2019, it is available in eight states, including Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.

The company’s target market is people who drive very little. If you drive fewer than 10,000 miles per year, you could potentially save hundreds of dollars a year on your car insurance.


What Metromile Covers

Metromile has all of the choices you’d get with most carriers. It covers bodily injury and property injury and has uninsurable or underinsured driver protection. it’s the standard comprehensive and collision deductions from $250 to $1,000.

You also get 24/7 claims service and even roadside assistance.
KEY TAKEAWAYS
  • Metromile is alternative car insurance where rates are primarily determined by mileage.
  • Metromile uses a monitor that plugs into a car’s diagnostic port to track miles driven.
  • Traditional factors, such as age, credit history, and driving history, determine a driver’s eligibility for Metromile insurance.
  • In addition to the driver’s qualifications, the car must be equipped with an OBD-II port.

Understanding Metromile

Metromile insurance charges a flat monthly fee and a mileage fee. you’ll pay $40 per month and five cents per mile, for instance. If you drive five hundred miles per month you’d pay $65 per month or $780 per annum. like ancient insurers, the fee varies counting on your driving record, age and wherever you reside.
There area unit some exceptions to the mileage rule. First, Metromile can solely charge you for up to 250 miles per day, or a hundred and fifty per day in New Jersey. meaning that the occasional road trip won’t break the bank, however you’d run up a hefty bill with a cross-country trip.

No Coverage for Uber or Lyft

Metromile recently off its partnership with Uber and doesn’t cowl challenger ride sharing service like Lyft, either. It recently partnered with Turo to form fragmentary insurance, that helps drivers from being double-charged or double-insured. Metromile customers UN agency are Turo customers can solely pay the per-mile charge once their automotive isn’t shared with some other person through Turo. Turo’s insurance kicks in once some other person is driving the Metromile customer’s automotive.
How will Metromile knowledge several miles you drive? It uses Metromile Pulse, that plugs into your car’s diagnostic port, constant one your mechanic uses to diagnose issues along with your automotive. Pulse then sends a raft of information to Metromile that you just will access on the app or on-line. This includes not solely mileage however the condition of your vehicle and your location. Pulse has AN alert system that notifies you if you wish to maneuver your automotive off the road. These alerts ar referred to as street-cleaning notifications. Metromile additionally provides Pulse adapters to support customers UN agency is also driving AN older automotive or cars like Teslas.

Who’s Eligible

Metromile insurance works very like the other carrier once it involves eligibility. Your driving history, age, credit score, and different factors verify your base and per mileage rates. which means there are often massive variations between what you and your neighbor would pay.
Also, your vehicle must have AN OBD-II port. If your automotive isn’t quite twenty years previous, you almost certainly have one.

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