Question
How does Metromile calculate the miles?
I am not working currently, recently moved to the Bellingham area and I plan on working from home. I only go out in the car once a week maybe twice and drive approx. six miles or less in total. However, I have kids in Seattle, which is 100 miles away, and I plan on driving down there a couple of times a year. How does that work with Metromile costs?
Answer
I believe Metromile charges a base rate (determined by a few of the conventional insurance rating factors like age, driving record, vehicle, etc.) and adds your cost-per-mile fee depending on your actual mileage. They track your mileage with an in-car telematics device. See our thorough overview and review of Metromile for more information.
You are likely a low-mileage driver, so telematics programs and usage-based insurance could be great options if you don't drive very often.
If you have any questions, don't hesitate to ask. For more info, check out our guide: Car Insurance with Telematics.