Insurance Companies

How does Metromile calculate the miles?

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.

Compare auto insurance rates and save up to $670 per year!

or
Location pin icon
Your information is secure.
Most Recent

Car Insurance Costs
Coverage & Claims

How will my rate be impacted by opening a comprehensive claim? How is fault decided?

If it is considered comprehensive, there would be no fault on the claim so you can take that out of the equation. Comp claims are best summed up as your responsibility but not your fault.

Car Insurance Costs

I'm moving from TX to WA, where car insurance is a lot more expensive. Why is it so much and what can I do to lower my premium?

Insurance is regulated on the state level and every state has its own insurance laws. For example, Michigan residents are well-known to pay the most expensive premiums in the country due to the state's coverage requirements, which include unlimited medical coverage for the lifetime of car accident victims. Interestingly, our data suggest that the average rate in Washington is slightly less than the average in Texas ($1,368 versus $1,415, respectively).

Motorcycle Insurance

I was rear-ended on my motorcycle by an uninsured driver. Will my auto insurance cover the damages?

Sorry to hear about your accident. I hope that you're recovering well.

General Insurance

Do I need additional insurance if I pull a trailer belonging to a different business?

The owner of the trailer would need to add you to their policy if you will be pulling their trailer regularly. If you will not be pulling it regularly, you should be covered — but I recommend you check with your specific company for policy details to make sure. If you have any questions, don't hesitate to ask.

General Insurance

Do I need to register or insure my car in Washington if I have insurance that covers me from Canada while working?

You will need to contact the Department of Motor Vehicles for the state of Washington for information on registration. If you are required to register your car in Washington, then you would likely need a Washington insurance policy with your Seattle address.

Eligibility

I live in a rural area but my zip code is for a town 10 miles away. Could I get insured using my PO Box zip which is only 3 miles away?

Unfortunately, insurance companies cannot use a P.O. Box for a garaging address — the garaging address is where the vehicle is located or parked most of the time.

Coverage & Claims

Can the home owner be sued if their tenant caused damage to someone else?

No, the driver/owner of the car would be held responsible. If you have uninsured motorist coverage, you can have the damage to your car covered and you can file a claim on your homeowner's insurance for the damage to your garage door.

General Insurance

How does insurance work if my vehicle is totaled before my renewal?

When a car is considered totaled, the insurance company takes possession of the vehicle. You can offer to buy the vehicle back or choose to not accept the payment for the vehicle.

Car Insurance Costs
Coverage & Claims

Should I file a claim if I only have a learners permit?

I'm sorry I'm not an insurance adjuster. I can not tell you how much it will cost to repair the damage.

General Insurance

Can I insure a car in one state but live another?

Because car insurance is regulated at the state level, you have to have insurance specific for the state you are residing in the majority of the time. You can buy a vehicle in another state but it will need to be registered and insured for your state.
Icon-Agent
Ask an Agent

Get free insurance advice you can trust.

Ask a Question