Car Insurance For Drivers Who Don’t Drive a lot

Disclosure: I received the product below in exchange for sharing my honest opinion.

Are you someone who drives less than 10,000 miles a year? Maybe you have a short commute each day to work of less than 10 miles or maybe you just don’t drive a lot in general. My husband used to drive about 80 miles a day roundtrip and a few months ago he switched to a job downtown where he takes the train each day. So now my husband drives about 8 miles a day roundtrip just to the train station and back. I’m sure there are plenty of people out there that barely drive their cars but still pay a lot for car insurance. Why should people that barely drive their car pay as much for car insurance as those who drive a lot?

Well Metromile is a company who designed their insurance policy for those who drive less than 10,000 miles a year. The average Metromile customer saves $500 on car insurance when they switch. Plus new customers in Illinois receive a bonus of 250 miles!

Metromile conducted a study and found that Illinois drivers on average only commute 0-10 miles a day. 64% of drivers pay higher premiums to subsidize the minority who drive the most. Those who drive less should be able to pay less for insurance, right!

How does Metromile track your usage? Metromile uses an OBD-II device that plugs into the car’s computer system to track usage. Drivers only pay a few cents per mile with a low base rate each moth for full coverage. Metromile also connects your car to your smartphone to offer features including your car health information (diagnostic trouble codes), car location, street sweeping alerts (avoid those pesky parking tickets!) and customizable trip logs. So Metromile offers not only a way to save money on your car insurance but also some cool features.

The first thing I thought though is what if you have to go on a road trip, will you have to pay an arm and a leg for insurance? Well Metromile actually has a cap of 150 miles per day (250 miles a day in Washington) so if you go a long trip you won’t be charged over those miles. Oh and Metromile doesn’t consider other driving factors such as how fast you drive, how suddenly you turn, or how hard you brake, just how many miles you drive.

As far as claims go, Metromile has a best-in-class experience every time you interact with Metromile. Their always available (24/7) claims teams with industry-leading customer service have their rock-solid policies underwritten by insurers in the National General Insurance Group.

What Metromile offers:

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CHECK IT OUT:  Visit Metromile to see if Metromile is for you.

WIN IT: (1) US winner will receive a $50 gas card and Metromile gift bag

• $50 Gas card
• T-shirt
• Notebook & Pen
• Mousepad
• Sunglasses
• Phone Charger
• Tire Gauge
• Air Freshener
• Umbrella
• Tumbler (for hot and cold beverages)

Need help entering a giveaway?  Check out my blog post for some help!

GIVEAWAY ENTRY:

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This Giveaway Ends August 21, 2015.