Is Pay-Per-Mile Insurance Right for You? | YourMechanic Advice

Is Pay-Per-Mile Insurance Right for You?

Schedule 75 Point Safety Inspection
Service Area

$0.00

Upfront, Transparent Price
Average rating from 417 customers who received a 75 Point Safety Inspection.

Chances are you pay the same amount for your car insurance bill each month, unless you make a change to your policy or vehicle. But if you go days (or weeks) without driving, doesn’t it seem unfair that your bill would stay constant? Enter: pay-per-mile car insurance, a new way to calculate monthly premiums based on miles driven. Although it might seem similar to the concept of usage-based insurance, where your bill is based on how you drive, with pay-per-mile insurance your bill is solely based on how much you drive. Metromile, a pay-per-mile insurance provider, has found that low-mileage drivers save a significant amount of money after making the switch.

How do I know if I am a low-mileage driver?

65% of drivers in the U.S. are considered low-mileage, which means there’s a good chance that you fall into that category. There are a few ways to check if you’re a fit for pay-per-mile insurance. First, head to your car and check the odometer. If you estimate your annual miles driven will be under 10,000, you’re a perfect candidate.

If your driving patterns frequently change and you aren’t sure how to estimate the entire year, think about how much you use your car each week (or month). Do you drive to work every day, but spend most of your time sitting in traffic or driving through the city? Do you only use your car for occasional road trips? Although you might be driving some serious distances, if long drives are infrequent, you’re probably still considered low-mileage. Plus, companies like Metromile offer a road trip bonus where you aren’t charged for the miles you drive over 150 per day.

If you still aren’t sure, try using Google Maps or Waze to get an idea of how many miles your typical trips encompass.

How does it work?

With pay-per-mile insurance, your monthly bill is made up of a low fixed base rate plus cents per mile.

Let’s say your base rate is $35 and your per-mile rate is 3 cents. If you drive 300 miles in a month, you will pay $9 (amount of miles times per-mile rate) on top of your $35 base rate, bringing the monthly bill total to $44.

If you identify yourself as a low-mileage driver, you can see how this could save you a ton of money every month. But if you’re driving thousands of monthly miles, it might not be the best fit for you.

So how exactly are miles measured? Some of the first attempts at pay-per-mile insurance required cumbersome photos of the odometer to be submitted daily, but Metromile uses technology to make everything easy. Metromile supplies its customers with a device that plugs into the OBD port of your car (the same port mechanics use to check your car’s health) to seamlessly measure mileage. No reporting necessary – just plug it in and drive!

What if I drive a lot one month?

Everyone has times when they drive more than usual, whether it’s visiting family for holidays or escaping cold weather. If you find yourself logging a bunch of miles one month, the mileage portion of your bill will be higher, but your fixed rates will never change. Unless you move or your commute changes, you’ll probably find yourself saving money again in no time.

To learn more about pay-per-mile insurance and if it is a good fit for your lifestyle, check out Metromile.

metromile logo Metromile provides pay-per-mile insurance, an affordable approach to insurance for low-mileage drivers. By using technology to power their smart driving app and fair insurance pricing model, they aim to take the hassle – and expense – out of driving.


Next Step

Schedule 75 Point Safety Inspection

The most popular service booked by readers of this article is 75 Point Safety Inspection. Yourmechanic’s technicians bring the dealership to you by performing this job at your home or office 7 days a week between 7AM-9PM. We currently cover over 10k cities and have 100k+ 5-star reviews... LEARN MORE

SEE PRICING & SCHEDULING

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details

Recent 75 Point Safety Inspection reviews

Excellent Rating


YourMechanic 75 Point Safety Inspection Service

Average Rating

4.8/5

Number of Reviews

417

Rating Summary
383
15
10
1
8
383
15
10
1
8

Pardeep

20 years of experience
743 reviews
Pardeep
20 years of experience
Ford Fusion - 75 Point Safety Inspection - San Jose, California
I have ordered a 75-point inspection of the car since my dealership claimed it had an oil leak and the timing cover replacement was due (this kind of repair costs in the ballpark of a thousand dollars). I mentioned the need for a second opinion on that since the car had been bought relatively recently from that dealer (certified pre-owned) and not very actively used. Pradeep performed the safety inspection in a very timely manner and addressed my main question by honestly concluding that there was no leak but just some dust collected over time. This has saved me much time and money. Finally, I was also very glad to learn a tip on how to find a matching paint for a body scratch from him.
Ford Escape - 75 Point Safety Inspection - San Jose, California
Pradeep immediately found the suspension problem I was worried about and fixed it. We had just purchased this car and now feel a lot better about it now that he has checked it out.

Honorio

18 years of experience
828 reviews
Honorio
18 years of experience
Hyundai Accent - 75 Point Safety Inspection - Sunnyvale, California
Honorio not only told me what is going on with the car but was so honest about everything. Looking forward to having Honorio taking car of my requests.
Acura RDX - 75 Point Safety Inspection - Palo Alto, California
Honorio went above and beyond my expectations. He was honest about which repairs needed to be done even though my service revision decreased his income. Will absolutely use again!!!! Thank you!

Rafael

26 years of experience
42 reviews
Rafael
26 years of experience
Volkswagen Golf - 75 Point Safety Inspection - Berkeley, California
A professional. Did not do work that was not necessary and instead make recommendation for what was needed.

Christopher

11 years of experience
57 reviews
Christopher
11 years of experience
Jeep Wrangler - 75 Point Safety Inspection - Charlotte, North Carolina
Chris is very knowledgeable and helpful. Helped me with future maintenance decisions for my Orange Monster.

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE