How Metromile is Empowering Drivers + Giveaway
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.
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
- 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.
1 lucky winner on The Mommy-Files will receive a Metromile Prize Pack, including: