I have been compensated for this post; all opinions are my own.
Ok, so you LOVE your car. I’m not much of a car person, but I love my SUV. It’s easy to drive, easy to maintain and in my budget. Where I live in Pennsylvania, like in most of the country, a reliable car is a necessity. (And the first half of the year, I had the world’s most unreliable car, which spent more than half of THAT time in the shop and cost me a fortunate but never got fixed.)
With that necessity, however, comes a lot of additional costs. Gas, car loan, and, of course, car insurance. Then that insurance bill comes in the mail and your spirits are crushed. It’s even worse when something that has happened that has restricted your use of that car – like a broken leg, a stay in the hospital or maternity leave with your new baby.
Or maybe like my husband, you just got a job MUCH closer to home, reducing your daily commute from 2-3 hours a day to under an hour. Then of course, there are all those companies that reward “good drivers.” The problem is, most of the time the accident is NOT your fault. Up here in PA, the ice can get pretty thick. One of our worst accidents happened during an unexpected ice storm on our drive the night before we moved out of our old home. Despite going super slow, my husband hit some black ice and we – SLOWLY – drifted into the next lane. His best attempts probably made it better but the oncoming car, which was also going slow, still hit us. We were fine and the car made it home and to our new home the next day, but the frame was bent and the shimmy we experienced was a costly repair.
It doesn’t seem fair that you should pay the same for insurance, does it?
That’s where Metromile comes in. They allow drivers to pay for the miles they drive, regardless of driving style or behavior. It’s created specifically for drivers who do less than 10,000 miles per year. I know that’s true of our family whenever we have 2 cars! And that’s great news for car owners who are city dwellers. (Philly folks, I’m talking to you!)
Currently, Metromile is the only agent offering a pay-per-mile auto insurance in the U.S. That advantage has allowed them to partner with Uber to cover drivers and vehicles miles driven under Uber’s commercial coverage to be deducted from the driver’s insurance bills. It also can help help low mileage drivers save money – typically up to $500 annually for those with less than 10,000 miles driven a year.
Is Metromile available in your area? Current covered states for regular drivers include:
They also have a free app available for those states. Additionally, more states are planned for next year but you can sign up for their wait list now.
So how does Metromile work? You plug a device into your car’s onboard diagnostic port (standard in cars since 1996) and then it can measure the mileage and transmit it wirelessly to their secure servers. The data appears in your app and online dashboard and can even provide advice on how to save time and money while driving. What other advantages does Metromile have?
- On long road trips, you are not charged for miles over 150/day (or 250/day in Washington), so you can save money when traveling.
- They offer every kind of coverage that standard insurance offers.
- No judgment for infractions. They only charge per miles driven.
- Metromile Tag, available to iOS and Android users and free to users in the states above, is a wireless device for Metromile customers that can help you optimize your commute, find parking, track mileage for expenses, get street cleaning notifications in select markets and more.
Gift Bag and Gas Card Giveaway
Just in time for holiday travel, Metromile is giving away a $50 gas card plus a basket of goodies, including:
- T-shirt in your size
- Notebook & Pen
- Phone Charger
- Tire Gauge
- Air Freshener
- Tumbler (for hot and cold beverages)