Metromile: Low Mileage Car Insurance

Low Mileage Drivers Can Save Up to $500 per Year

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Metromile is making a name for itself as a provider of low mileage car insurance also known as usage-based auto insurance. The company was founded in 2001 and offers auto insurance in California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington with plans to expand its coverage territory into more U.S. states. In fact, Metromile has a waitlist and you can enter your contact information to be notified when coverage is available in your area.

The company headquarters is located in San Francisco, California. Metromile has approximately 100 employees and the Chief Executive Officer is Dan Preston. Some other key company employees include Joe Selsavage, Chief Financial Officer; Sean Griswold, VP, Customer Experience and Claims; and James Moorhead, Chief Marketing Officer.

The parent company of Metromile is National General Insurance Group, which has an “A-“ Excellent financial strength rating with A.M. Best insurance rating organization. Metromile has been a Better Business Bureau accredited company since 6/25/2013 and has an “A+” rating with the organization. There were a total of five complaints over a three-year period with all complaints closed.

Coverage Options

Policy holders with Metromile have access to the following coverage options:

  • Bodily Injury Liability
  • Property Damage Liability
  • Uninsured & Underinsured Motorist Coverage
  • Collision

Available Deductible options for comprehensive and collision coverage are $250, $500 and $1,000.

How It Works

Metromile tracks your mileage with a free wireless device sent to you that you plug into your car’s diagnostic port.

This device only tracks your mileage and reports it back to the company to help determine your insurance premium. It does not track other driving factors such as your driving speed, sudden turns or hard braking incidents.

You pay a fixed base rate per month plus a per mile charge, normally only a few cents per mile. If you don’t travel often, the savings could be substantial. The tracking device you will receive to report your mileage back to the company is called the Metromile Pulse.

Possible Savings

Metromile reports the average savings for customers compared to a standard insurance policy is somewhere around $500 per year. The rates will vary for each driver and savings will vary based on several factors including mileage, make and model of vehicle, your age and driving history.

Mobile Insurance Application

The smart driving app available to customers of Metromile has several helpful tools including:

  • Trip Optimization: This tool allows you to analyze how much you spend on gas per trip and how long your drive takes. The app allows you to view trip data over time.
  • Lost Car: If you forget where you have parked your car, the app will find it for you and give you the best path to get there.
  • Car Health: The Metromile app allows you to decode problems with your car when the check engine light comes on. You can even contact a mechanic with any questions you may have.
  • Avoid Street Sweeping Tickets: You can receive street sweeping alerts on your phone in Chicago, San Diego, San Francisco, and Los Angeles.

The Bottom Line

For low mileage drivers in California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia or Washington who are trying to find the best value on an insurance policy; this usage-based insurance program may allow you to save as much as $500 year on your auto insurance premium. If you drive more than 10,000 miles yearly, then you probably won’t realize as much in savings. The company offers 24/7 claims service, a useful mobile application and a variety of coverage options.

For those who drive less than 10,000 miles yearly and are looking for a way to save on auto insurance, Metromile auto insurance may be worth checking out.

Contact Information

To contact Metromile and learn more about its usage-based insurance or to receive a quote, you can call 888-244-1702 Monday–Friday 6 a.m. to 6 p.m. (Pacific Time); email customer service at customerservice@metromile.com; or visit the Metromile website.