Miles Car Insurance Review: Is It Worth the Hype?

Car insurance is a necessary expense for any car owner. It protects you from accidents, injuries, and other unforeseen circumstances that can arise on the road. However, with so many car insurance companies to choose from, it can be challenging to decide which one is right for you. In recent years, Miles Car Insurance has become a popular choice for many drivers. In this review, we will take a closer look at Miles Car Insurance, its features, and whether it is worth the hype.

What is Miles Car Insurance?

Miles Car Insurance is a new entrant in the car insurance industry. It offers pay-per-mile car insurance policies to drivers. Pay-per-mile models are becoming increasingly popular as they provide an affordable option for drivers who do not use their cars frequently. Miles Car Insurance offers comprehensive and collision insurance, as well as liability insurance, underwritten by Nationwide. It is currently available in Illinois, New Jersey, and Oregon, with plans to expand to other states.

How Does it Work?

With Miles Car Insurance, you pay a base rate, which is a fixed fee that covers your car when it is parked. You then pay an additional amount per mile driven. This amount is determined by your personal driving data, which is collected through a device installed in your car. The device tracks your driving behavior, such as speed, acceleration, and braking, to calculate your mileage and determine your rate. You can track your mileage and pay your bill through the Miles app.

The pay-per-mile model is ideal for drivers who do not use their cars often, such as those who work from home or use public transportation. It can save you money on your car insurance by only paying for the miles you drive, rather than a fixed monthly premium. Miles Car Insurance also offers a discount for low-mileage drivers, making it an affordable option for those who drive less frequently.

What Are the Benefits of Miles Car Insurance?

There are several benefits to choosing Miles Car Insurance as your car insurance provider. Here are some of the most notable:

Benefit
Description
Affordability
The pay-per-mile model can save you money if you drive infrequently or low mileage.
Coverage Options
Miles Car Insurance offers comprehensive, collision and liability insurance, providing you with adequate coverage.
Low-Mileage Discount
Miles Car Insurance offers a discount for drivers who drive less than 10,000 miles per year.
Digital Experience
The Miles app allows you to track your mileage and pay your bill, making it easier and more convenient to manage your insurance policy.
Environmentally-Friendly
The pay-per-mile model promotes eco-friendly driving habits by encouraging drivers to drive less frequently.

FAQs

Is Miles Car Insurance Available in my State?

Miles Car Insurance is currently available in Illinois, New Jersey, and Oregon. However, the company plans to expand to other states in the near future.

How is My Driving Data Collected?

Your driving data is collected through a device installed in your car. The device tracks your driving behavior, such as speed, acceleration, and braking, to calculate your mileage and determine your rate.

Is Miles Car Insurance Affordable?

Yes, Miles Car Insurance offers affordable rates through its pay-per-mile model. If you do not use your car frequently, you may be able to save money on your car insurance by only paying for the miles you drive.

What Coverage Options Does Miles Car Insurance Offer?

Miles Car Insurance offers comprehensive, collision and liability insurance, providing you with adequate coverage for your car.

Can I Track My Mileage and Pay My Bill Through the Miles App?

Yes, the Miles app allows you to track your mileage and pay your bill, making it easier and more convenient to manage your insurance policy.

Conclusion

Miles Car Insurance offers an innovative solution for drivers who do not use their cars frequently. If you are looking for an affordable car insurance option, Miles Car Insurance may be a good fit for you. With its comprehensive coverage options, low-mileage discount, and user-friendly app, it provides a convenient and cost-effective way to insure your car. While it is not yet available in all states, its expansion plans indicate a promising future for this new entrant in the car insurance industry.