Metromile Insurance Reviews: A Comprehensive Guide to the Best Pay-Per-Mile Insurance Company

If you’re looking for a new car insurance provider, you may have come across Metromile Insurance. With its unique pay-per-mile insurance policy, Metromile is quickly becoming a top choice for many drivers across the US. But is it the right choice for you?

In this comprehensive guide, we’ll take a closer look at Metromile Insurance, including its policies, pricing, customer service, and more. We’ll also answer some frequently asked questions to help you make an informed decision about whether Metromile is the right insurance provider for you.

What is Metromile Insurance?

Metromile Insurance is a car insurance company that offers pay-per-mile insurance policies. This means that instead of paying a fixed monthly premium, you only pay for the miles you drive. The less you drive, the less you pay – making this a great option for low-mileage drivers who want to save money on their car insurance.

In addition to its pay-per-mile policies, Metromile also offers standard car insurance coverage, including liability, comprehensive, and collision coverage.

How does pay-per-mile insurance work?

With pay-per-mile insurance, you’ll pay a base rate each month, plus a certain amount per mile driven. This amount is typically just a few cents per mile, so if you don’t drive much, you’ll likely end up paying much less than you would with a traditional car insurance policy.

To use Metromile’s pay-per-mile insurance, you’ll need to install a device in your car that tracks your mileage. This device will send data to Metromile, which will then calculate your monthly bill based on the number of miles you’ve driven.

What types of coverage does Metromile offer?

Metromile offers a variety of coverage options, including:

• Liability coverage
• Collision coverage
• Comprehensive coverage
• Uninsured/underinsured motorist coverage
• Rental car coverage
• Roadside assistance

With each type of coverage, you can choose your policy limits and deductible to customize your policy to your needs.

Metromile Insurance Reviews: Pricing and Coverage

How much does Metromile Insurance cost?

The cost of your Metromile policy will depend on several factors, including your location, driving record, and the amount of coverage you choose. However, as a general guideline, Metromile’s pay-per-mile insurance typically costs between $30-$40 per month for the base rate, plus a few cents per mile driven.

Is Metromile Insurance cheaper than traditional car insurance?

For low-mileage drivers, Metromile’s pay-per-mile insurance can be significantly cheaper than traditional car insurance options. However, if you drive more than the average person, you may end up paying more with Metromile. It’s important to weigh the costs and benefits of each policy option carefully before making a decision.

What types of discounts does Metromile offer?

Metromile offers several discounts to help you save money on your policy, including:

• Safe driver discount
• Multi-vehicle discount
• Homeowner discount
• Paperless billing discount

Be sure to ask your Metromile agent about these discounts and how you can qualify for them.

Metromile Insurance Reviews: Customer Service and Claims

What is Metromile’s customer service like?

Metromile’s customer service has received mixed reviews from customers. While some customers have praised the company for its helpful and responsive agents, others have complained about long wait times and difficulty getting in touch with customer service representatives.

Overall, Metromile has a B+ rating from the Better Business Bureau, with several customer complaints related to billing and claims.

What is Metromile’s claims process like?

In the event of an accident, Metromile offers a simple and straightforward claims process. You can file a claim online, via the Metromile app, or by phone. Once your claim is submitted, you’ll be assigned a claims adjuster who will work with you to assess the damage and provide compensation.

While some customers have reported delays in getting their claims processed, others have praised Metromile for its efficient and hassle-free claims process.

Metromile Insurance Reviews: Pros and Cons

What are the pros of Metromile Insurance?

Some of the benefits of choosing Metromile as your car insurance provider include:

• Pay-per-mile policies can save low-mileage drivers money
• A variety of coverage options to choose from
• Discounts available to help you save money
• Easy and straightforward claims process
• Convenient app for tracking your mileage and managing your policy

What are the cons of Metromile Insurance?

Some of the drawbacks of Metromile include:

• May not be cost-effective for high-mileage drivers
• Mixed reviews of customer service and claims process
• Not available in all states

FAQ

Is Metromile Insurance legit?

Yes, Metromile Insurance is a legitimate car insurance provider that is licensed to operate in several states across the US.

What states is Metromile Insurance available in?

Metromile Insurance is currently available in Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.

Can I cancel my Metromile policy at any time?

Yes, you can cancel your Metromile policy at any time without penalty.

How do I file a claim with Metromile?

You can file a claim with Metromile online, via the Metromile app, or by calling their claims department.

Does Metromile offer roadside assistance?

Yes, Metromile offers roadside assistance as part of its coverage options.

Conclusion

Metromile Insurance can be a great option for low-mileage drivers who want to save money on car insurance. With its pay-per-mile policies, variety of coverage options, and convenient app, Metromile has a lot to offer. However, it’s important to weigh the costs and benefits carefully to determine if Metromile is the right choice for you. Be sure to read reviews from other customers and talk to a Metromile agent to get more information before making a decision.