I've been with metromile for over 3… I've been with metromile for over 3 years. Rates have only increased in small increments and even decreased at times. I have had 1 claim, and that's why they loose a star. I submitted everything online, received confirmation, etc. Their Web system never spoke to the claim system, so I had to call in and go over everything again with the phone agent (who was very friendly and helpful)

NOT EVEN 1 STAR WORTHY If I could give zero stars I would. Everything was good at first qhen I started. But since I had a recent total loss it went all down hill. Took over 5 days for a response from the first report. This company is super slow to respond, even the gentlman from the shop said metromile is the worst of all the companies. They havr a bad habbit of not responding. Than from there no the first individual I spoke to told me the cars was deemed total and needs to be sent to copart for stowing and to avoid storage fee at my shop. I told them about custom rims I had on them, and I was told I had cpe coverage and would be covered for them as long as I provided the receipt, which I did. Than week goes by with one word being said about the receipt and cpe. The case Than shuffled hands to another total loss adjuster, no word on the cpe and there first low ball assessment. I than let them know about all the add on the the vehicle which they do not take in consideration on there valuations, they Than provided another inaccurate valuation report without my add-ons in consideration and barley moved the valuation up. From there metromile Than low balled my rims to 200 and completely lied from what I was originally told which was to provide the receipt and I would be covered for the cost of the rims. 1st lie already. Than the 2nd 3rd party company they used wrote another incorrect valuation report without the correct add-ons and and other things in consideration, so had to make another phone call to point it out, Than had to wait for ANOTHER low ball valuation report to be written. But from there I got fed up and hired my own and the fair and correct valuation report that was written by this company was more fair and better detailed out as to why the valuation was what it was, compares to the company metromile used, it looked like a 4th grader wrote the valuation report and the cars they were comparing where nowhere near or remotely like mine (on all the valuations metromile provided me). Thankfully after many phone calls and a actual fair valuation report from another trustable and actually reliable company, we were able to come up with a fair number. Than I was told CPE for my rims was separate and I would have to wait for the case to close to file for that. I did so and was given the number to call back the original adjuster who handled the claim. I called and left multiple voicemails, with zero call backs after 2 weeks of no response I called back and was told somebody would respond immediately, however that wasn't the case and another 3 days past with zero calls. Than finally get a call back today from a highly rude and unprofessional customer representative who talked to with gettoh 3rd grader responses "like seriously O MY GOSH" that's no a Profesional tone pr manner to speak to any customer regardless if that customer raised his tone and was mad, (just had a total loss), take that into consideration and stop talking with unprofessional responses like a kid. However on top of the unprofessional gettoh manner she than told me.she don't have to be a mechanic to let me know what's maintenance item when I informed her a software tune is not a maintenance item that is a custome add on feature not maintenance. However she spoked over me continuously and told me she don't need to be a mechanic and works in the insurance industry and knows everything about cars. Metromile is the biggest headache when it come to Claims there by far the #1 worst with customer service and #1 worst handling claims and total loss claim and the 3rd party they use are fraudulent companies that need to be reported to the Insurance Bureau along with metromile. Ive been with several comapnies and i can confirm metromile is the bottom of the pole when it comes to insurance. There denying a cpe claim and telling lies over recorded phone calls. This horrible experience makes me now wake up to there horrible reviews and will probably make me shift to a new company. I hope this company get investigated.

Good insurance for city drivers I have had Metromile for years and have used them for a major accident I was in. I got hit by someone and it caused a lot of damage. Though I did not have a rental as part of my insurance, they gave me one anyway. I assume it was because the other insurance company was going to pay for it anyway. I realize this is an ideal scenario if you are going to be in an accident. The process for getting the car into the shop, looked at, repairs approved, etc. was a few days...like within a week. They then handled everything on my behalf with the other insurance company. I thought I was going to have to pay my deductible when I picked up my car, but they covered that too and just added it to the bill for the other insurance company. Keep in mind, this really is an insurance for city drivers, those that just commute a reasonable distance to and from work, and those that do local driving. The rates are great and base costs are really low. I keep shopping around for new insurance and nothing ever comes remotely close. For those that complain about being "monitored," I say this with a ton of love and respect: it's highly unlikely that anyone is really that interested in your life.

I strongly do not recommend I used Metromile a little over a year ago. They cancelled my policy with no warning. When I called in, they had the most atrocious customer service I had ever encountered.

Devices are a bummer The insurance itself has been fine. The devices are pretty bad though. There are two options. One plugs into the OBD2 port, the other plugs into the "lighter" port. The first drains my battery because I don't drive enough to offset the small steady drain. The second doesn't connect within the average duration of my occasional short drives, so I wind up getting alerts that it hasn't connected for too long, and then I have to go drive around to get it to connect. Since the whole point of the insurance is that it's for drivers who drive very little, having neither device work well for that situation is pretty problematic.