Is Pay-Per-Mile Insurance Right for You?

Schedule 75 Point Safety Inspection
Service Area

$0.00

Upfront, Transparent Price
Average rating from 381 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

381

Rating Summary
350
14
10
1
6
350
14
10
1
6

Mario

19 years of experience
104 reviews
Mario
19 years of experience
Honda Prelude - 75 Point Safety Inspection - Fort Myers, Florida
on Arrival he introduced himself. Extended his hand with a warm and welcoming shake as he addressed me my name. Mario got right to work. He looked at everyThing under the hood. Then he Showed me and explained The discoveries that needed attention and repairs. He is soKnowledgeable and veryCourteous. I will beUsing Mario for all the needs, repairs for/to my Honda Prelude. I highly recommend Mario! He is an ace!!!
Dodge Avenger - 75 Point Safety Inspection - Fort Myers, Florida
I scheduled for work to be done to replace my vehicle's serpentine belt, pulley, and tensioner ('cause Firestone said that it needed to be "replace"). When Mario arrived and checked the belt, he was very honest and informed me that the serpentine belt did not need to be replaced. He showed me the serpentine belt and pointed out that it did not have any cracks. It didn't need to be replaced for "preventive maintenance" either. I appreciate his honesty and the time that he took to show me other issues (that Firestone failed to mention) and explained it.

Nicholas

10 years of experience
281 reviews
Nicholas
10 years of experience
Saturn Aura - 75 Point Safety Inspection - Fuquay Varina, North Carolina
Arrived on time, was very knowledgeable and professional. Explained everything in details that I could understand. Very pleased with Nicholas!

Chris

15 years of experience
246 reviews
Chris
15 years of experience
Mercedes-Benz C220 - 75 Point Safety Inspection - La Mesa, California
Fantastic! Chris was great. He saved me money. Do not wait. Have Chris come out today and fix your problem.. Thank you Chris.

Kai

13 years of experience
14 reviews
Kai
13 years of experience
Chevrolet Malibu - 75 Point Safety Inspection - Frisco, Texas
Kai was very professional and did a great job for me. He removed the things that I did not need. Very honest and detailed work

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