If you live in the city, chances are you get around in a variety of different ways – your car, public transit, your bike, or your two feet. This got Metromile thinking – if the way you use your car in the city changes, then shouldn’t the entire notion of what it means to insure, own and operate your car change, too?
Revolutionizing car ownership to fit your urban lifestyle is what Metromile is all about. By taking their deep understanding of data and transforming it into information and services that make having a car less expensive, more convenient, and smarter, Metromile aims to make the urban car experience as simple as it can be. And for some, it even makes car ownership a possibility where it wasn’t before.
Per-Mile Car Insurance
Metromile started by creating an entirely new model of car insurance that enables low-mileage drivers to save hundreds of dollars a year. Did you know that 65% of drivers pay higher premiums to subsidize the minority who drive the most (stat according to Metromile)? The number one risk indicator for drivers is how often they’re on the road. So if you drive less, you really should be paying less for insurance.
With Metromile Per-Mile Car Insurance, your insurance costs are based on how many miles you drive. If you spend less time behind the wheel, you spend less money on insurance. You pay a low monthly base rate plus a few cents per mile when you drive. At the end of the month, your bill is your base rate plus how many miles you drove at your per-mile rate. Just like with other insurance, several factors can influence your rate, including age, type of vehicle, and driver history.
Metromile Pulse
The key to per-mile insurance is the Metromile Pulse, a free small wireless device they’ll send you that plugs into your car’s diagnostic port. Plugging the Pulse is easy, doesn’t require any tools, and once in place, it securely counts your miles with every trip. Per-mile insurance doesn’t consider other driving factors, such as how fast you drive, how suddenly you turn, or how hard you brake – just how many miles you drive.
The Metromile Pulse device unlocks your driving stats, monitors your engine’s health, and accesses smart services that save you time and money on the road. Setting it up is as easy as these 3 steps:
- Install – Just plug it into the diagnostic port (OBD-II) standard in all cars since 1996.
- Connect – Our secure wireless connection pushes data with every trip.
- Control – When you know more about your car, you are in a position to save time and money.
With the Metromile Pulse in place, you have unlimited access to the Metromile smart driving app. Use it to do the following:
Check Your Trips
- Find the best routes that cost the least to drive
Optimize Gas Usage
- Know exactly when to top your tank
Monitor Your Car’s Health
- Decode your check engine light
Locate Your Car (I really love this one!)
- Always know where you parked
Avoid Street Sweeping Tickets
- Get street sweeping alerts on your phone (currently available in Chicago, San Francisco, San Diego and Los Angeles)
Even though you’re paying less, you still have the same amazing coverage that you are used to.
- Bodily Injury
- Property Damage
- Uninsured and Underinsured Motorist Coverage
- Collision
- Comprehensive
- Personal Injury Protection / Medical Payments Coverage
- Rental Reimbursement
- Emergency Roadside Assistance
- $250, $500, $1000 Deductible Options
Coming Soon to a Road Near You
Per-mile insurance is currently available in California, Illinois, Oregon, Pennsylvania, Virginia, and Washington, but Metromile is rapidly expanding to other states. Join the waitlist HERE.
If you aren’t ready for per-mile insurance, you can still take a test drive with Metromile’s free beta app. Sign up for a Metromile account and they’ll send you the Tag device. Since it doesn’t need to be plugged into your car, any vehicle, regardless of make, model, or year, is eligible.
GIVEAWAY
1 lucky winner on The Mommy-Files will receive a Metromile Prize Pack, including:
- $50 Shell Gas Card
- Branded Gift Bag
- T-shirt
- Notebook & Pen
- Mousepad
- Sunglasses
- Phone Charger
- Tire Gauge
- Air Freshener
- Tumbler (for hot and cold beverages)
What is your favorite thing that you’ve learned about Metromile?
I like per-mile insurance. I’m a very low mileage driver.
I like how you pay per mile
I like that you can find the best routes that cost the least to drive.
I like it help to decode my check engine light.
I like that you pay per mile.
I like that this is insurance that’s great for those who don’t drive a lot since you can pay per mile.
I like that it monitors your engine’s health!
I like that it estimates fuel costs.
I don’t drive much on a daily basis so the per-mile insurance would be a good deal for me.
I like that I’ll always know where I’m parked
I love that you can monitor your fuel usage and know where you’re parked. Yep, I’ve gone to the mall and Wal-mart and forgotten where I parked.
I like that you pay per mile
I have never heard of this until now. I am not completely sure on how I feel about it. It sounds great, but I think I may drive a little too much for this.
I love the different features of this app, especially the locate your car feature! That would come in handy for me!
I like that it knows where you park. I could def use that!
i like that it easily plugs into the car’s diagnostic port
i love that it can tell you how much you are getting per mile for the running of your car,,we travel a lot so this would be perfect for us
The emergency roadside assistance is a very nice part of what Metromile covers!
I like that I can monitor my car’s health!
I love that it’s insurance you pay by the mile. I don’t even drive 10 miles a week, so it would be inexpensive for me.
I like the way it can help with trip planning.
love the pay per mile
I love how quick and easy it is to install!
I like that through Metromile I would only pay to insure the miles I drive and I would not have to pay to subsidize the minority that drives the most.
I have not used Metromile but I love that the charges are by mileage!
I like that you pay per mile
I like the fact that Metromile doesn’t consider other driving factors – just how many miles you drive. I’m a careful driver, but my boyfriend is a different story. :O
I left a comment on the I Am Back…And Married!!! post (Deanna).
I love I an use it to check exact gas and decode the check engine light.
I love that this gives the option of paying insurance by the mile, so the rate is less if you don’t drive much.
Thanks for the chance to win!
wildorchid985 AT gmail DOT com
That you aren’t paying a flat rate for insurance based on the insurance provider estimate of coverage in your area and the amount of accidents
I like that you only pay per the mileage you drive.
Since I don’t drive much, I really like the per mile model, it would benefit and save me money I think.
I’ve heard some people talk of Metromile before. I like that it includes emergency roadside assistance and monitors your engine’s health. Thanks.
partymix25(at)Hotmail(dot)com
Love that it tells you get gas!
you can pay by miles traveled
I love that it can find the route that costs me the least in gas!
I love that you can get street sweeping alerts on your phone through the app.
Per-mile insurance considers just how many miles you drive.
I like that you only pay for the mileage you drive.
I like that you pay per mile used.
i love the trip part of the app
I like everything about it. I think the fact it monitors your cars health is really neat.
I love the idea of paying per mile, I really don’t drive that much anymore.
This is the first I have heard of this kind of insurance. I do like the pay per mile rates.
I have never heard of this before! I really like the locate your car feature!
I think it’s neat that it gives you street sweeping alerts on your phone
I like that with Metromile Per-Mile Car Insurance, your insurance costs are based on how many miles you drive
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