Curious how many folks here have switched to those pay-as-you-drive insurance plans. I’ve been thinking about it since I barely drive during the week (WFH perks, you know?). I keep seeing ads for Metromile, Root, and Allstate Milewise, but honestly, I can’t tell if they’re all the same or if one’s actually better.
Quick poll—if you use a usage-based or mileage-based car insurance, which provider did you pick? And why? Was it cheaper, or did you just want to try something new? Or maybe you tried it and switched back to regular insurance?
I’m kinda nervous about the tracking thing, but the savings sound tempting. Anyone regret making the switch, or is it mostly positive?
Mileage-Based Insurance: Worth It If You Drive Less?
I totally get where you’re coming from—WFH has me barely putting any miles on my car, too. The pay-as-you-drive plans can be a solid option if you’re not on the road much. I’ve seen a few clients save a decent chunk, especially with Metromile and Milewise, but it really depends on your driving habits and location. Some folks love the savings, others get a little weirded out by the tracking devices or apps.
Honestly, the tracking isn’t as invasive as it sounds for most of these companies. They’re usually just counting miles, not monitoring every turn or stop. Still, if privacy is a big concern, it’s something to weigh. I’ve had a couple people switch back to traditional insurance after realizing they actually drove more than they thought, so it wasn’t worth it for them.
If you’re mostly using your car for errands or the occasional weekend trip, it could be a win. Just double-check the fine print—some plans have minimum monthly charges or fees that can sneak up on you. No real regrets from the folks I’ve talked to, but it’s definitely not a one-size-fits-all thing.
Mileage-Based Insurance: Who’s Using It And Which Company Do You Like?
- Tried Metromile last year when my commute turned into a walk from the bedroom to the kitchen. Saved a bit, but then I started “just running out for a coffee” way more than I realized.
-
Yep, that was me. Turns out, my car is basically my therapist and grocery hauler.“I’ve had a couple people switch back to traditional insurance after realizing they actually drove more than they thought...”
- The tracker didn’t bother me—if anyone wants to see my Taco Bell runs at midnight, be my guest.
- Biggest surprise? There are minimum charges, so even if you drive like a hermit, you’re not paying zero. Worth it if your car mostly naps in the driveway.
I get the appeal, but for families like mine, mileage-based insurance hasn’t really worked out. Between school drop-offs, weekend errands, and random kid activities, our “low mileage” months still add up. The minimum charges you mentioned kind of killed the savings for us. Honestly, a traditional policy with multi-car and safe driver discounts ended up being cheaper once we did the math. The tracker was fine, but the numbers just didn’t add up in our case.
Title: Mileage-based car insurance: who’s using it and which company do you like?
Honestly, I tried Metromile for a bit—figured my weekend convertible deserved a break on premiums since it mostly sits in the garage. The savings were decent, but I kept forgetting to plug the tracker back in after detailing the car. Not sure if it’s just me, but I got tired of the “plug-in guilt.” Switched back to regular insurance, mostly for convenience. If you’re forgetful like me, might not be worth the hassle.
