Metromile
Metromile offers pay-per-mile car insurance, allowing customers to save based on their actual driving habits, with a low monthly base rate and various coverage options.
Metromile Pay-Per-Mile Insurance
Metromile offers a unique pay-per-mile car insurance model that customizes rates based on actual driving habits. Their pricing structure includes a low monthly base rate starting at $29, plus a per-mile rate as low as 6 cents per mile. This innovative approach can save customers up to $947 per year compared to traditional insurance plans. Metromile employs a GPS-enabled device called the Metromile Pulse to track driving data, which is used to calculate insurance rates based on real mileage.
Metromile Coverage Options
Metromile provides a wide range of coverage options to meet various insurance needs. These include liability, comprehensive, collision, uninsured and underinsured motorist, personal injury protection, medical payments, roadside assistance, and rental car insurance. Comprehensive coverage protects against non-collision incidents like theft and natural disasters, while collision coverage helps pay for vehicle damages after an accident. Roadside assistance covers services like flat tire changes and towing. Metromile’s rental car insurance can cover rental expenses after a covered loss, and MedPay helps cover medical expenses after an accident.
Metromile Technology and Features
Metromile leverages advanced technology to enhance its insurance services. The Metromile Pulse, a GPS-enabled device, tracks driving data which informs insurance rates. Their app provides features such as trip tracking, car health diagnostics, and street sweeping alerts in select cities. Metromile customers can file claims online or through the app, with AI-assisted systems used to expedite the claims process. Additionally, Metromile boasts a 92% stolen car return rate thanks to its effective tracking technology.
Metromile Locations
Metromile operates in several states across the United States, including Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington. This wide presence allows many drivers to take advantage of their innovative pay-per-mile insurance model and comprehensive coverage options.
Metromile and Lemonade, Inc.
Metromile is now part of Lemonade, Inc., which further extends its reach and capabilities. This merger aims to combine Metromile’s expertise in auto insurance with Lemonade’s broader portfolio in insurance services, potentially enhancing offerings and customer experience for both companies' clients.