Handy driving app. The sweet app can track your trips, decode your car’s diagnostic codes and alert you to city-specific street-sweeping and parking reminders – a boon for urbanites looking to curb the inevitable parking ticket. You have a few options to let Metromile track your driving: plug a device directly into your car or use your car’s built-in connectivity. Metromile is revolutionizing car insurance through technology with its pay-per-mile insurance model.
Mobile app offers more: Keeping with its technology theme, the robust Metromile app provides added information about driving directions and parking. Metromile does look at standard rating factors when setting your premium, such as your age, the car you drive and your driving record. The base rate and cost per mile are initially determined using many of the factors other insurers use, such as age, driving history and credit.
Your rate is based on how much you use your car and how well you drive, not any risk assumptions based on your age, gender or other demographics. If you don’t drive much and don’t mind having your driving tracked, Metromile’s pay-per-mile coverage might be what you’re looking for. That said, the base monthly fee also plays a big role in how much your insurance policy costs. Monthly bills are adjusted to reflect that base price and the cost of your total miles driven in the previous month.