Yes, Metromile offers full coverage insurance for customers who choose to buy it. Metromile sells all the components of full coverage, including liability, collision, and comprehensive coverage, plus any type of insurance that a state might require, such as uninsured motorist insurance or personal injury protection.
It’s important to note that Metromile policies are always pay-per-mile, which means that customers pay a monthly rate and a small per-mile fee rather than a consistent premium. Also, full coverage is just an unofficial designation for a policy that includes the state’s minimum required coverage as well as collision and comprehensive insurance.
Current and potential Metromile customers can call the company at 1-888-242-5204 to ask about the coverage that is available in their state. For more information, check out WalletHub’s Metromile car insurance review.
Full coverage car insurance usually includes collision and comprehensive insurance alongside any state-mandated coverage. As such, full coverage may cover bodily injury, property damage, uninsured motorist, PIP, collision and comprehensive claims.
What Common Components of Full Coverage Car Insurance Cover
Injuries to the policyholder after an accident regardless of who was at fault
Since some states require more types of coverage than others, the exact standards for “full coverage” insurance differ. Most states require all drivers to have a minimum amount of liability insurance, but some states have requirements for personal injury protection or MedPay, too. Some also require a specified amount of uninsured/underinsured motorist coverage.
Yes, Metromile really is cheaper than most car insurance companies, as the company ranked in the second quartile of WalletHub’s cheap car insurance comparison. Metromile exclusively offers pay-per-mile insurance, which is a type of policy that charges customers a monthly base rate plus a small per-mile fee. Customers save an average of $741 per year by switching to Metromile, according to the company’s website.… read full answer
Note: Annual premiums, assuming 15,000 miles driven per year.
If you’re wondering whether Metromile is cheaper for your specific circumstances, you should start by estimating your average monthly mileage, bearing in mind that mileage charges are capped at 250 miles per day (150 in New Jersey). Then, you can get a quote from Metromile, calculate how much you’d pay, and compare this rate with your standard car insurance premium. Metromile also offers a ride-along option, which allows drivers to download the Metromile app, drive for 17 days, and receive an estimate of their premium with the company.
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