MetroMile, the pay-per-mile car insurance company that set up it’s national headquarters and launched in Portland back in December has an offer for BikePortland readers: The first 100 people to sign up for a “Test Drive” of their service get a free month to see if it’s a good fit. The basic premise of MetroMile is that if you drive less, you pay less, so their insurance is a great complement to the growing number of “low-car” Portlanders.
Regular auto insurance premiums are based on an average expected number of miles driven; but my household (and I expect many others) drives way less than the average. The result is we end up paying more than we should. The MetroMile system tracks your mileage and charges you based on how much you drive. Here’s more from CEO Steve Pretre (via a BikePortland comment):
“Our pricing is not based on where, when or how people drive. It’s simply the number of miles driven times a set rate per mile, plus a low base rate (because some things do happen when the car isn’t being driven). We do capture GPS data to map trips so people can look for patterns to lower their driving, but you can turn that service off at any time if you want. For those of you thinking about the occasional road trip, we cap charges at 150 miles per day specifically to give people that freedom.”
When we’re not biking, my family and I get around in Honda mini-van. Beyond the occasional road trip, it spends most of its time parked in front of our house. I’ve been curious about the MetroMile insurance, but haven’t switched from our current policy. I figured I’d sign up for this Test Drive just to see what’s like. The first 100 people to join me will get a “Metronome” device to plug into their car for 30 days. We’ll also get access to a profile page on the MetroMile website that show us all types of trip data and other cool stuff (including being able to vote on other, yet-to-be-released features).
The first 100 Test Drivers selected by MetroMile — and anyone else who wants to join us — will then be invited to a big party on February 13th at Union/Pine (525 SE Pine Street). There will be food and drinks, a short chat with MetroMile CEO Steve Pretre (I’ve met him a few times, he’s a neat guy who thinks data can revolutionize just about anything), and I’ll be there as well.
To sign up for the Test Drive, you’ll have to fill out some basic info on the MetroMile site.