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Mesa, Arizona native Josh Collins isn’t wasting any time. Starting as a claims investigator in 2019, he’s already on his second career at Metromile as a data analyst. We talked to Josh about what originally brought him to Metromile, his exciting new role, and what he loves most about his work.

What was your career like prior to Metromile?

When I graduated college, I fell into a role as a claims adjuster for an auto insurance company and worked there for a few years then I went back to school while working to get a master’s in data analytics. At that same time, I had a friend who was working in claims for Metromile. In talking with my friend, I came to understand that Metromile was a company that highly values data science and data analytics, so that was my first inkling that it might be a good fit. It was clearly a place that had a lot of opportunities. 

What was your first role at Metromile?

Initially, I interviewed for a claims position since I already had that experience. I got the job and started out doing claims investigations in the special handling unit (SHU), which specifically investigates claims with a higher risk for fraud. I worked in claims for over two years while also working on finishing my master’s degree.

While I was working in claims, my manager allowed me to take on several side projects so I could learn more about the company and gather experience that I could later pull from.

Eventually, he connected me with the data analytics team, where I received a hands-on mentorship that helped me learn what it takes to be a successful data analyst. I just started my new role in data analytics this month!  

What does your new role as a data analyst entail?

I’m on the Insights team, which provides data support for all the various departments here at Metromile. For example, say the Claims team requests a report to understand trends within their scope of the business. My job would be to write the query that pulls the data, analyze the data, create any relevant visualizations, and then present my work to the claims team in a medium that best suits the request, whether that’s a dashboard (i.e., a visual presentation of requested data), a spreadsheet, or a written report. 

What else do you do besides provide support for various departments?

Though the bulk of our work involves supporting other teams, we also continually monitor health metrics for the company. That might include anything that’s crucial to the business, for example, how many policies are in force at any one time. 

We also assign a team member every week to follow health metrics for our existing dashboards. That usually entails checking in on the dashboards regularly throughout the day to make sure there are no anomalies. If anything pops up that’s out of the ordinary, that person lets the rest of our team know so we can decide who to notify, how to investigate the issue, and what needs to be done to address it.

 It’s also our job to monitor customer service ratings, to ensure our customers are satisfied with the services we provide. A lot of people may not necessarily think of customer satisfaction when they think of data analysis, but it’s a huge component of what we do. It always comes down to the customer.

What do you like most about working at Metromile?

For me, the biggest strength of working at Metromile is its culture. Everybody really cares about each other here, and people get pretty emotionally invested in everything that goes on. I’m not someone who usually says “ Oh, the workplace is like a family.” But Metromile really is as close as you could get to that. As I mentioned, management on my claims team knew where I wanted to go and what I wanted to do next. Though it was no immediate benefit to them, they still did everything they could to help me grow as a professional and get me over to the team that I wanted to be on. There really aren’t any selfish people at Metromile. It’s a very supportive and nurturing environment, where everybody wants everyone else to succeed. We all set each other up for success, whether that means staying in the same role or moving on.

What advice would you give to future applicants?

We have one value here we call “invent the future.” It’s all about looking at what we can do that pushes the envelope in the industry, regardless of which department you’re in. So we love people who are very creative in their thought process and in the way that they approach their work—people with unique mindsets and ideas.

We’re also dedicated to creating fiercely loyal customers, so we want people who will always put the customer first. As a data analyst, sometimes my “customer” is other departments here at Metromile. I treat an internal customer with as much care and attention as a customer buying an insurance policy. We’re really looking for people like that, who already have that customer-first mindset.

What do you enjoy doing outside of work?

I play ice hockey and I also enjoy mountain biking. I have a hard time committing to going to the gym every day so I try to do fun outdoor activities that keep me active. I also have four dogs, so my wife and I spend a lot of our free time with them. It’s a zoo, but I love it!

When you sign up for an auto insurance policy, an insurance declaration page will be included in your paperwork. But what is an insurance declaration page? It’s typically the first page of your policy and highlights important points about your coverage. It’s sometimes referred to as “dec” and can come in handy when you need to refer to your policy. Read on to learn how to read a declaration page and what it includes and what it doesn’t.

How to read your insurance declaration page 

Your insurance declaration page includes important information about your auto insurance policy. To read your declaration page, here is the typically included information. 

1. Drivers covered by the auto insurance policy 

Your declarations page lists the driver(s) covered by the policy. That should include you and anyone else who drives your car. 

2. The car insurance policy period 

When you sign up for a car insurance policy, there are effective dates that outline the term of your coverage. Typically, this is six months to one year. You can see when your auto coverage starts and ends on the declarations page, so you know when you need to renew your policy. 

3. Your car insurance premium 

When you sign up for an auto insurance policy, you typically need to pay a monthly car insurance premium or pay it every six months. In this part of the declarations page, you’ll see what is included in the premium as well as the overall total. 

4. The vehicles covered by your car insurance policy 

Your insurance declarations page also lists out the vehicles covered under your auto insurance policy. In this section, you’ll see the VIN, make, model as well as year for the vehicle that is covered. 

5. The type of auto coverage you have 

You typically need a minimum amount of auto coverage in each state. On the declarations page, the type of auto coverage you have will be outlined. Make sure you have the right car insurance coverage for your particular needs and budget. For example, Metromile offers the following types of auto insurance coverage, as well as any other state-mandated optional coverage(s):

• Comprehensive coverage
• Liability coverage  
• Collision coverage 
• Uninsured and underinsured coverage
• Personal injury protection
• Medical payments insurance 
• Roadside assistance insurance 
• Rental car insurance   

6. Any loss payees 

If you’ve taken on car financing and secured an auto loan for your car, the lender is typically listed as the loss payee on the declarations page. In this section, the loss payee is outlined, such as a bank — and includes relevant information such as address and contact info. 

7. Your car insurance deductible 

Also included on your insurance declaration page is your car insurance deductible. Your deductible refers to how much you pay out of pocket when you file a claim before your insurance kicks in. Your deductible amount can vary based on your coverage. 

8. Your coverage limits 

Your auto insurance coverage limits are also broken down on your declarations page, so you know the maximum amount that is part of your policy. Depending on the type of coverage you have, you might see the maximum amount your insurer will cover in case of bodily injury or car damage. 

9. Any discounts you qualify for 

Your car insurance provider may offer some discounts for things like security and safety features (such as anti-theft devices) or for being a “good driver.” Any discounts you’ll qualify for will also be listed on the declaration page. 

What your insurance declaration page doesn’t cover 

Your insurance declaration page is designed to be easy to read and accessible so you can see the most important parts of your coverage. This page can include what’s part of your policy but may not outline what’s not covered and may not provide further definitions of the terms listed. If you have questions, you can contact your insurance provider directly or look at the rest of your insurance paperwork. 

When to use your insurance declaration page 

Your insurance declaration page can come in handy in a number of cases. For example, if you want to review the details of your policy, you can do so easily on the declaration page. If you’re on the lookout for a new vehicle, you typically need to show proof of insurance. In that case, your insurance provider may send the dealer your declarations page as a way to confirm that you’re insured and actively covered. 

The bottom line 

Your insurance declaration page is a nifty outline of your auto insurance coverage that can come in handy in a variety of situations. It’s also useful to reference if you’re searching for new auto coverage. It outlines all the essential terms and rates, so you can make an informed decision when looking at new quotes. If you’re a low-mileage driver, pay-per-mile car insurance is likely your best bet.

You pay for gas by the gallon, why not pay for auto coverage based on the miles you actually drive? Using Metromile, you get a low base rate and only pay several cents per mile. Get your free quote for comparison shopping today. 

​​Melanie Lockert is a freelance writer, podcast host of the Mental Health and Wealth show, and author of Dear Debt. She’s a cat mom to two jazzy cats, Miles and Thelonious, an amateur boxer, music lover, and needs coffee to function.

Between the holidays, inflation, and COVID, there are a lot of factors significantly impacting drivers around the country. In mid-December, we asked our very own Metromile customers what was making the greatest impact on their transportation choices right now and heard back from over 7,000 folks.

The biggest takeaway? People are conflicted. While they’re still hesitant to take public transportation for fear of contracting COVID, they’re eager to curb their driving as gas prices creep higher. 

COVID’s Continuing Impact on How We Get Around

While driving habits have drastically changed since early 2020, our recent survey results show that 59% of Metromilers agree that COVID still has a huge impact on their day-to-day lives and transportation choices. Work from home reduced the need for many to commute and leave their homes but fear of exposure to COVID has made people more reliant on their own vehicles rather than public transportation or ridesharing.

Many Metromilers commented that even during periods of low COVID levels in their communities, the perceived risk of taking public transportation was still too great. And now with a new variant on the rise and the holidays, respondents are even warier of trains, buses, and metros. They told us they are instead opting for the safety of their personal vehicles.

Getting Creative as Gas Prices Surge

With gas hitting $5 a gallon in some cities, 59% of Metromilers agree gas prices, along with an increase in rideshare prices and bridge tolls, have also greatly impacted how they get around. Customers frequently noted they’re now:

• Forced to run fewer unnecessary errands
• Combining outings into a single trip where possible 
• Planning to purchase an electric vehicle in the near future to eliminate the need to buy gas altogether. 

Retirees noted that surges in necessary items like gas and food are particularly difficult when on a fixed income and are causing them to rethink their priorities and drive less when they can.

Embracing New Ways to Travel

Between COVID and rising gas prices, drivers around the country are faced with tough decisions as they weigh the pros and cons of driving their own vehicles versus using public transportation to save on costs. The rise of COVID cases across the country further exacerbates this problem and prompts drivers to seek out new solutions.

Many Metromilers solved this problem by embracing new ways to get around, including biking and walking where they could. These respondents found the silver lining of WFH and less driving and adopted a lifestyle that’s better for their health and their wallets. We also heard from respondents that both COVID and rising gas prices have led them to more frequently explore their local neighborhoods and support nearby businesses.  

Wallet-Friendly Transportation Choices

Whether it’s COVID, inflation, and/or gas prices that are having the biggest impact on your transportation habits, it’s always a good idea to seek out alternatives to keep your costs and miles low. We’ve gathered some of the top non-driving transportation choices to consider in the new year. 

• Biking is one of the top transportation alternatives to driving as it is environmentally friendly, good for your health, and affordable. If you find yourself needing to go a bit further than you’d like to manually bike, consider an electric bike. Many cities offer bike rental options run by rideshare apps that allow you to only use a bike when you need it rather than fully owning one.

• If you are going short distances and running small errands in your community, walking or scootering are nice alternatives that offer a budget-friendly and heart-healthy solution to getting around. Similar to bike rental programs, many cities offer scooter rental options run through apps on your smartphone.

• Mopeds also offer similar benefits to an electric bike and can keep commute costs low, as they’re cheaper to purchase and maintain than cars. If you’ve never driven a moped, companies now make it easy to start riding. In some cities, app-based moped rentals are becoming commonplace and usually cost just a few dollars. And there’s no need to own a helmet for the occasional ride — these companies often provide helmets in the cargo trunk, ready for riders!

• Public transportation can still be a safe and cost-effective solution to reducing the miles you drive. Public transit agencies around the country are taking various measures to reduce the spread of COVID, such as increased capacity to allow for proper social distancing. Keeping your mask on and washing your hands after taking public transportation are additional ways you can decrease your risk. For more information, check your local public transit authority to see what protective measures they are taking to increase safety and reduce the spread of COVID in your community. 

Cut Down Costs with Pay-Per-Mile Insurance

If you are a low-mileage driver and drive less than 10,000 miles a year (around 200 each week) you could save a lot of money with per-mile insurance. Your monthly bill is based on the miles you drive, so if you don’t drive much, you won’t pay much. If you are interested in seeing how much money you could save, try getting a free insurance quote.

If you’re thinking of buying a car, you might want some special accessories to boost your enjoyment while on the road. Maybe you want to add a bit of sunlight in while you drive, so you can get that fresh feeling of the sun on your skin but without the cost or wind of a convertible. In that case, you might think, “I need a sunroof!” But you may actually mean a moonroof. What’s the difference between a sunroof and a moonroof, though? Read on to learn about the nuances of moonroofs vs. sunroofs and what to consider.

What is a moonroof? 

A moonroof is what you might be (mistakenly) calling a sunroof. A moonroof is a small window placed on the roof of your car with tinted glass that can open up. Even with the moonroof closed, some light can come in. However, there is also typically a panel cover that can block the light. 

A moonroof is used by sliding the panel open and letting the light in without actually opening what is basically a roof window. That way, you don’t have to deal with excessive wind or air, debris, or extraneous material that can get into your car. Fun fact, the moonroof was first unveiled in 1973 as part of the Lincoln Mark IV.

What is a sunroof? 

A sunroof is a type of panel on the roof that can open up completely to let both air and light in. You may be able to open the sunroof manually or electronically. Sunroofs are different in that you may be able to remove them or tilt them in a way that brings in light and the outside air to your vehicle. 

What about panoramic roofs? 

On top of moonroofs vs. sunroofs,  some cars have gone an extra step and added a panoramic roof. 

A panoramic roof is a roof that is comprised entirely of glass so you can get more sunshine and light. Unlike a traditional sunroof or moonroof, this takes up far more real estate. Both drivers and passengers can feel the sun and see the light, potentially boosting the overall experience of being in a car. 

Be aware of safety issues with moonroofs vs. sunroofs 

Now you know that even though many people use the terms interchangeably, there is a difference between sunroof and moonroof. Given the nuance, it’s important to be aware that while having a moonroof or sunroof might be appealing, it can come with some safety issues that you want to be aware of. 

One thing to consider is that if you have a sunroof that exposes you to the elements (like the outside air, wind, heat/cold), you could get hit with debris while driving. If you’ve ever cracked your windshield from debris, you know this is a possibility — but imagine if your roof window was open. You may be at higher risk of leaks with a moonroof or sunroof as well. 

What’s scarier is that Consumer Reports investigated the occurrence of exploding sunroofs and reported: 

“An exploding sunroof might sound like a freak occurrence, but a Consumer Reports investigation has found that it’s not. These incidents have happened in every month of the year in every part of the country, in vehicles from all over the world; they have occurred on interstates, on country roads, and even while parked in driveways.”

According to a 2017 Consumer Reports analysis, 208 different car models from 35 companies have experienced this issue. Also, reports about this issue date back to 1995 with a total of 859 complaints. What’s more shocking is that 71% of those reports came after 2011. There were also 36 reports of injury, but fortunately no fatalities. So while these options might sound attractive at first, be aware of any and all safety issues before taking the plunge. 

Moonroofs vs. sunroofs maintenance 

Because moonroofs and sunroofs can be glass, they can be costly to replace or repair if there are any issues. That’s why it’s best to keep up with regular car maintenance, including your moonroof or sunroof! 

To keep your sunroof or moonroof in good condition, be sure to wash it regularly and use a vacuum to get out any potential debris. Also, make sure any parts that assist with the moving of the moonroof or sunroof remain lubricated and in good condition. If you start to see or hear any issues, be sure to get your moonroof or sunroof checked out for good measure. 

The bottom line 

If you’ve heard the terms moonroof and sunroof, you might have wondered what’s the difference between a sunroof and a moonroof. Now you know they are often used to mean the same thing when there are some differences. So when you go shopping you can be more specific and know what you want. If you opt for a moonroof or sunroof, just be aware of how it can affect safety and overall repair and maintenance costs if there are issues down the line. 

To help you stay protected and covered, you also want to do an audit and make sure you have the best auto insurance coverage. If you don’t drive that much, you could take advantage of pay-per-mile insurance and pay less for auto coverage. You can get a free quote to see about savings using Metromile. 


​​Melanie Lockert is a freelance writer, podcast host of the Mental Health and Wealth show, and author of Dear Debt. She’s a cat mom to two jazzy cats, Miles and Thelonious, an amateur boxer, music lover, and needs coffee to function.

Your car is one of your most valuable possessions, so it makes sense that if there is anything wrong with it you want to find a car mechanic shop with a good mechanic you trust. You’ve probably heard horror stories out there about overpriced or low-quality service and want to save yourself from the same fate. Here are 10 tips on how to find a good mechanic in your area.

1. Look for a car mechanic shop for your car make 

When it comes to finding a good mechanic, you want to choose a car mechanic shop that specializes in your car’s make. The make refers to the company that manufactures the vehicle. Every car is different but choosing a car shop that knows how to speak your car’s “language” will be better for you, given their expertise and experience. 

2. Get good mechanic recommendations from family and friends 

Word of mouth is still a powerful tool to get recommendations for a good mechanic. Just like you’ve probably heard horror stories from friends and family about bad experiences with a mechanic, they might also have good experiences and a positive recommendation to share. 

Get in touch with your closest ones to see if they have a particular car mechanic shop in mind that provides trustworthy and valuable service. 

3. Look at online reviews

In this day and age, online reviews reign supreme. You can search “mechanics around me” and look at review sites such as Google or Yelp.

You also want to check out social media pages as well, which have become an extremely valuable resource for businesses. A shop’s social media page will usually give a genuine feel for the people who work in the shop and you may be able to see comments and reviews from customers.

Look for a car mechanic shop that seems personable, friendly, and at ease. You want a shop that’s comfortable with any and all questions you might have and will provide you with exemplary service. 

4. Review BBB ratings 

One useful tool for consumers may be the Better Business Bureau (BBB). When looking for a good car mechanic shop nearby, be sure to take the extra step to review the BBB ratings. 

For example, you can use the BBB Auto Repair tool and filter for BBB accredited options. You can also see if there are customer reviews or complaints listed on the site as well, so you can make a well-researched and informed decision. 

5. Verify car mechanic shop certifications 

Any reputable mechanic will likely be certified. For example, the National Institute for Automotive Service Excellence (ASE) certifies car professionals to help serve their customers in a better way. You can use this tool to find a repair shop near you that is certified through ASE. 

6. Passion for the job 

We’ve all seen people who were clearly unenthused about their job. In auto repair, that’s a kiss of death. You want to find a good mechanic that has a passion for the job. Excitement and earnestness are crucial when you consider the job. Just like you’d want a physician who cares about your health, you want a mechanic who cares about your car’s health. 

A mechanic can’t just go through the motions — they must be thorough in searching for any and all issues with a car. Many vehicle issues are subtle or show only the barest signs of an issue before they become disastrous. If your mechanic’s simply plodding through their day, that won’t do at all.

A good mechanic is one who enjoys working with machines on a daily basis. They’re passionate about their own vehicle and will talk cars all day long with you. Manual labor and grease are simply bonus perks that come with the job. If you find a passionate mechanic, stick with them and let them know you appreciate them.

7. See if there are warranties available 

Car repair warranties can offer an extra layer of protection. According to AAA, many auto repairs have a shop warranty for a year. That means if you get an issue fixed and it becomes a problem again under warranty, you may be able to get it fixed again at no risk or cost to you. 

So before choosing a car mechanic shop, see what warranties are available on specific repairs and for how long. That way, if there’s an issue down the line, you can go back to the same place to remedy the issue. 

8. Experiment with shops for car maintenance 

When you have a big auto repair, the stakes are higher and there’s more to lose. You want to find a good mechanic who can solve your issue and not make the situation worse. 

But if you’re in need of regular car maintenance such as changing your oil or replacing air filters or getting new tires, this could be a way to experiment with a local auto shop to see how they do and what the experience is like. If the service and quality are good, you can keep that in mind for the future when dealing with a costly repair. 

9. The repair shop explains the underlying issues 

There are many repair shops where you sit in your car and they’ll briefly run down the repairs before telling you how much to pay.

But what are you paying for? A good mechanic will actually explain these underlying issues. They’ll go over the causes and help you plan to avoid the sort of damage that may be affecting your vehicle. Some recurring problems are simply common with certain models. The best mechanics will stop to explain these issues and help you plan to prevent issues in the future. That way you’ll also fully understand what you’re paying for and why. 

10. You’ll learn something new 

When you put yourself around people who are passionate about what they do, you’re bound to learn something new. Experienced and well-seasoned mechanics who enjoy their job and are usually happy to chat about cars and offer tips. 

Some mechanics may even bring you into the shop to show you the workings of your own vehicle. Don’t be surprised after a few visits to the right mechanic if you’re starting to pick up on some really technical details of car repair. That knowledge will only help you in taking better care of your car and doing the things that will allow it to run for a long time.

The bottom line 

Learning how to find a good mechanic goes beyond just Googling “mechanics around me” and choosing the first option. It’s about doing your due diligence to find a car mechanic shop with a good mechanic you can build a relationship with over the long term. 

As part of your car maintenance journey, make sure you have the appropriate car insurance as well. If you’re a low-mileage driver, you may benefit from pay-per-mile insurance. You pay gas by the gallon, so why not base your car insurance on the miles you drive? Using Metromile, you can get a low base rate and pay several cents for each mile. Get a quote to see how much you can save.

After going through your expenses, you might notice some trends. Your highest expenses are likely rent/mortgage, food, and transportation costs. Among transportation costs is your car insurance premium. If you feel you’re paying too much for car insurance, you might be trying to figure out how to lower your car insurance cost. If you want a lower rate for your car insurance premium, here are 10 tips to get started.

1. Understand your current coverage

The first thing you want to do is understand your current car insurance policy. You want to see where you currently stand, so you can evaluate whether the coverage and limits you originally purchased are still the right fit for you. 

You might have purchased your policy when your lifestyle was different. For example, if you are now driving an older car, you might not need as much coverage as when you had a newer model vehicle. Once you understand your current coverage, you can make an apples-to-apples comparison with other available policies to make a more informed financial decision.

2. Switch to pay-per-mile car insurance 

In many cases, if you have traditional car insurance, you pay a flat premium per month (or per term). This can mean that if you don’t drive that much, you may be overpaying for coverage. Car insurance is based on numerous factors that include risk assessment and vehicle use. Obviously, every time you start your car and get on the road, there’s a level of risk. 

So naturally, if you drive less, there’s less risk. So why not reward yourself for that and pay less for insurance at the same time? 

Using pay-per-mile insurance, you can do just that. If you drive less than 10,000 miles each year, you could be a good fit for pay-per-mile insurance and be able to slash your car insurance premium significantly. In fact, Metromile customers were able to save up to $947* after making the switch. 

3. Compare rates among car insurance providers 

Are you satisfied with your car insurance rate? Or do you want a way to figure out how to lower your car insurance rate? If it’s the latter, it’s important to take the time to comparison shop. You may have purchased a policy with your car insurance provider years ago based on a family or friend recommendation, but there may be better coverage out there now. Be sure to check among various car insurance providers to see prospective rates. You can look at traditional car insurance vs. pay-per-mile insurance and assess what is best for your unique situation. 

4. Make a switch and downsize your car 

Here’s something you may not want to hear. The type The type of car you have could be costing you more. Why? If you have a bigger or more luxurious vehicle, it’ll be more expensive to insure. If anything were to happen, the replacement costs would likely be higher. Additionally, costs can be higher with bigger vehicles because of the potential damage done to other cars in the event of an accident. If you downsize to a smaller or more fuel-efficient car, your car insurance costs may be reduced. 

5. Increase the deductible

If you have a good driving record and very rarely get into accidents, you could increase your deductible to save money on your car insurance. You generally pay more for car insurance if you have a lower deductible.

Keep in mind that your deductible is how much you need to pay before your insurance kicks in. For example, if your car needs $1,500 in repairs and your policy has a $500 deductible, you’ll be responsible for paying $500 before your insurance covers the remaining $1,000. If you increase your deductible, you might want to consider saving money to make sure your emergency fund could cover the difference to avoid any unwanted surprises later on.

6. Ask for discounts

A simple way to lower car insurance is to ask for discounts! (yes, really). It often goes unnoticed, but insurance companies have different discounts available depending upon your personal situation. When you signed up, you might have been unaware of the potential discounts that you qualified for. 

Additionally, your situation may have changed since you first purchased your policy, and you may now qualify for a discount. 

A common car insurance discount is a multi-vehicle discount if you insure more than one car on the same policy. There are also rate reductions available in some states based on the type of job you have, whether you’re married, or there may be rewards for being a safe driver. These discounts can add up, so it’s worthwhile to call your insurer to see if there are any available discounts you may qualify for. 

7. Review a car’s safety and anti-theft features

Your car’s unique safety and anti-theft features can help you score a lower car insurance premium. Your car’s airbags, anti-theft devices, brakes, and more all affect the overall safety of your car and can also affect how likely the car is to be stolen. If you reduce some of these risks by adding more safety features or getting a car that already has these features, you may be able to reduce your car insurance rate. 

8. Consider temporarily changing your coverage

Your car insurance policy should work for you. Fortunately, Metromile and some other insurance companies let you personalize your policies, including your coverage limits and totals. You can ask your insurer about any optional coverage unique to your state that you could temporarily reduce to help you save, for example.

Also, if you finance your car, review your financing information, as your lienholder or lease company could have coverage requirements or require you to let them know if you make any changes to your insurance policy.

If you do make any changes, make sure you remember to review your policy again later. You don’t want to get caught without the coverage you might need when you return to your usual driving habits.

9. Enroll in a defensive driving course 

Defensive driving courses aren’t just for new drivers. If you want to learn how to lower your car insurance, enrolling in a defensive driving course may help. 

This may also help you lower your driver’s license points in the case of a traffic ticket. Some insurance companies may reward you for taking a proactive role in promoting driver safety. 

10. Boost your credit  

There are various factors that can affect your auto insurance rate. In some states, insurers use your credit information to assess overall risk. 

If you want to learn how to lower car insurance, it’s best to boost your credit rating, so it doesn’t negatively impact your car insurance premium. Your best moves are to pay your bills on time and keep your overall balances low compared to your credit limits. Be mindful of borrowing too much and opening up too many new credit accounts in a short period of time. 

The bottom line 

If you’re wondering how to lower your car insurance, use these ten tips to help you get the best insurance rate possible. If you’re a low-mileage driver, your best bet might be to switch to pay-per-mile insurance coverage. If you’re still paying for miles you aren’t actually driving, it’s time to re-think your auto coverage. Grab a free quote with Metromile today to see your potential savings. 

Morgan Starr is just getting started, but in her short time as a claims rep, she’s already making great strides. 

What did you do prior to Metromile?

I graduated from ASU (Arizona State University) with a degree in biological sciences, and my plan was to go to pharmaceutical school. But when I was working as a clinical technician at a pharmacy, something wasn’t clicking. I wasn’t in a financially stable position, and I also realized it wasn’t something I wanted to do anymore. I didn’t know what my next steps would be, but I was open to new opportunities and ready for a new challenge.

What brought you to Metromile?

Once I decided against pharmaceutical school, I started doing a lot of Google searching, checking out Glassdoor, etc. I was looking for something that would pique my interest. That’s when I stumbled on the claims representative position at Metromile. When I interviewed, I was able to meet the people here and see what the culture was like. Although this was something I’d never done before, it just felt like a good fit. Plus, there’s a super thorough training and licensing process for new Metromilers who have never done claims work before.

I got the job and started in February 2020. 

What does your job as a claims representative entail?

I was first hired as a claims adjuster trainee, which is how we bring onboard new claims employees. Now I specialize in bodily injury claims for customers without an attorney. When a person files an accident claim, you have to look at everything: Do they have proper coverage? Is the other driver covered? Were there any injuries? Assessing who’s at fault and guiding the person who’s just had an accident through the claims procedure is a complicated process. You have to establish a rapport with the customer. You have to be able to put yourself in someone else’s position, assure them they’ll be ok, and let them know you’ll do everything in your power to help make the situation easier. So it’s a huge customer-facing role.

At the end of the day, it’s really about empathy, not numbers or diagrams. That’s why I think there are a lot of people without an insurance background who would be a good fit for this kind of work.

What do you like most about working at Metromile?

I can’t handle positions that are repetitive, and Metromile is anything but! Each day is different, so it really keeps me on my toes. We recently found out that we’ll be transitioning to a hybrid model where we can plan a schedule that best fits our needs. That might mean being remote part of the week and in-office part of the week, or fully remote, or even fully in-office—it’s up to each employee. That’s really the root of what I enjoy most about working at Metromile. The company truly cares about its employees and it shows.

I also enjoy all the fun cultural events we plan. They help take our minds off of work, so I’m excited to start attending those again with my team and the rest of the company once we’re able. 

What’s next for you at Metromile?

I’ve only been in my new position in the bodily injury department for three months, but I’m hoping to keep working my way up the ladder. Eventually, I want to be an attorney rep bodily injury claims specialist, which means I’d be working directly with attorneys to negotiate and settle customer claims. But I’m still learning and working my way up. 

We recently went public in February 2021, which is really exciting. One incredible opportunity I’ll never forget is that we were able to send in photos of ourselves and be seen on the NASDAQ screen in Times Square. I was also featured with our CEO and a few other employees with videos of ourselves clapping to celebrate when the closing bell went off. It was really thrilling to watch, so I’m excited to see where we go in terms of growth with Metromile. I’m just happy to be along for the ride. 

What are your hobbies? 

I enjoy working out. I’m focused on health and exercise, especially after a long week of work. I also have a bearded dragon as a pet. He’s two feet long so he’s a big boy. He’s only a year old and his name is Dart. After naming him I found out he’s a girl but I still call “him” a him. He keeps me company while I work.  

Licensed Insurance Sales Specialist, Metromiler Since December 2019

Patty Knox is no stranger to change. Originally from Massachusetts, Patty started her career in pharmaceutical sales while raising her kids. “I stumbled into sales and found out I was pretty good at it.” 

Once her kids were grown, she made her way to Arizona for a new perspective and a fresh start. “I moved back out to Arizona because I went to ASU and I had a couple of sisters living out here,” Patty says. “When I came out here, I had a gap in my resume for a bit, and so I just didn’t know what to do next. I didn’t have any connections, you know, no networking opportunities.”

But she soon found her footing, and after a two-year stint as an insurance sales rep for a large traditional insurer, Patty arrived at Metromile in 2019 and began her journey with a position in outbound sales. We talked to Patty about her role at Metromile, what excites her about the company, and what advice she has for future Metromilers. 

What brought you to Metromile? 

When I worked at a large, traditional insurance company,  it was all bundling, selling policy after policy. I had some success there, no question, but their rates for auto insurance were actually quite high. And I would have people say, ‘I hardly even drive this car!’”. 

When I first heard about Metromile, I thought, this is exactly what the auto insurance industry needs: fair pricing. Car insurance is a commodity that everybody has to have, and nobody wants to pay too much for it. So I just loved the idea that Metromile was disrupting the whole insurance industry, and that’s how I came here. When I interviewed, I think I conveyed that excitement, like, you’re on the cutting edge here. I wanted to be a part of it.”

What does your job entail? 

Right now, I’m on the outbound sales team. That means I’m reaching out to people who’ve connected with Metromile previously but haven’t become a customer yet. It’s our job to talk to them by phone and explain more about how Metromile works and answer any questions they might have. 

We do this because a lot of times people have a basic understanding of pay-per-mile insurance, but they don’t necessarily know the details or how it can benefit them. We explain that there’s a device you plug in the car that counts their miles, and we also explain all of the features we provide through our app and dashboard. Talking to people is important because we don’t want them signing up if they’re really not a good fit for pay-per-mile.  

What do you like most about working at Metromile?

One is I love the energy of the company. It’s a small, fast-moving company, and I feel like we’re on the verge of something big here. I didn’t get in on the ground floor, but I feel like I got in when it was really starting to explode.

I also love the concept. Our niche is people who don’t drive very much, who very often are retirees. I love the fact that we can help retirees get more affordable insurance, when many of them are just on Social Security income. 

But we’re not just a good fit for older drivers. Anyone who drives fewer than 10,000 miles a year is a good fit—people who live in cities, suburbanites who drive mostly around their town…all ages! I get excited when people are like, “Oh, this is great! We have this car that just sits there and it’s registered. We don’t use it much but we have to have it.” I love saving people money when they really need it. It is really very satisfying. 

What advice would you give to future Metromile job candidates?

Somebody who’s joining us needs to have an open mind about growth. There’s so much potential for your career. When I worked at the other insurer, it was so hard for anybody to get into a role in management or other areas because they were so focused on the people who had been on board a long time. There weren’t new opportunities coming in. And so I think somebody who’s coming over here needs to understand that we’re a growing company, be flexible enough to understand that comes with some pain points, and be excited about what we’re doing. We’re disrupting the industry. 

What do you do for fun? 

I like to ski, but most of my traveling is back east to see my children. I have two in Boston, one in Mexico City. No grandchildren yet, but maybe once my kids have settled down we’ll do a weeklong trip to Hawaii. Luckily here in Arizona, it feels like vacation most of the time. 

Seattle is a stunning city in its own right and has all the makings of a great destination — lots of great food options, arts and culture, and geography that can take your breath away. Whether you live in Seattle or are visiting, you might consider short trips nearby to satisfy your travel itch or simply get away. Here are 8 weekend getaways from Seattle that are less than 100 miles away, listed from shortest to longest distance from central Seattle.

1. Vashon Island 

If you’re looking for Seattle getaways that aren’t too far and really offer some local charm, check out Vashon Island. It’s a short drive and ferry ride away and you can enjoy the Point Robinson park and lighthouse, horseback riding, sailing, fishing, and biking. Head to the Vashon Bookshop to snag a new book to read and dine at Earthen Bistro. 

Distance from Seattle: 20.8 miles 

Time: Approx 1 hr and 5 minutes 

2. Tacoma 

If you have kids and are looking for family-friendly weekend trips from Seattle, consider Tacoma. You can check out the Point Defiance Zoo & Aquarium, The Children’s Museum of Tacoma, as well as the Museum of Glass. End the day with a sweet treat at Legendary Doughnuts. 

Distance from Seattle: 33.6 miles 

Time: Approx 30 minutes 

3. Whidbey Island 

If you want to explore all of Whidbey Island, it’s a local treasure and one of the best weekend trips from Seattle. You can drive the 54-mile scenic route of the island and explore the local parks and scenery. You can go birdwatching, hiking, biking and so much more. Dine at one of these dining hotspots on the South End of Whidbey Island, including some farm-to-table options. 

Distance from Seattle: 35.1 miles 

Time: Approx 1 hr and 5 minutes

4. Langley 

Ready to head to a small “village by the sea”? Look no further than Langley, which is a short drive and ferry ride from Seattle. Nestled along 60 miles of Whidbey Island, you can enjoy the waterfront scenery, galleries, coffee shops, restaurants, and more. There are also numerous public art installations, which you can see for yourself on a walking tour. Enjoy happy hour or dinner at Prima Bistro while you watch the sunset. 

Distance from Seattle: 35.8 miles 

Time: Approx 1 hr 10 minutes

5. Gig Harbor 

If you’re looking for romantic Seattle getaways, consider Gig Harbor. The city’s tourism slogan is “Where Postcard-Perfect Views Meet Small Town Charm.” You can take a Gondola ride, Italian style, in Gig Harbor or check out plant shop Rosedale Gardens and take in the sights at the Bogue Viewing Platform. Dine at Tide’s Tavern on the water and enjoy your meal and the local views. 

Distance from Seattle: 43.8 miles 

Time: Approx 40 minutes 

6. Port Townsend 

Looking for a seaside escape? Head to the Olympic Peninsula’s Port Townsend area and explore The Northwest Maritime Center or go on a wildlife cruise. You can also visitFort Worden State Park, a former army base, with tons of trails for you to hike or bike. Plus, you can check out the local antique shops, record stores, book shops and head to Finistere for dinner. 

Distance from Seattle: 56.2 miles 

Time: Approx 2 hrs

7. Anacortes 

If you’re looking for a nearby island to get some rest and relaxation and enjoy the local charms, head to Anacortes. According to Anacortes.org, “Anacortes, the crown jewel of Fidalgo Island, is conveniently situated halfway between Seattle & Vancouver BC, and is the destination point for the San Juan Islands and International Ferry runs. The island is known for its historic waterfront, 50-miles of hiking trails, and a mix of annual festivals.”

You can go whale watching, kayaking, explore local wineries and check out the local antique shops. Plan your visit and get local information here. 

Distance from Seattle: 80.6 miles 

Time: Approx 1.5 hours

8. Bellingham 

If you’re looking for weekend trips from Seattle, head to Bellingham, which is close to the Canadian border. The city offers an array of activities like hiking Mount Baker or skiing during the snowy months. You can also check out Larrabee State Park for its picturesque views and happens to be Washington’s first state park. Get your arts and culture fix at The Whatcom Museum and grab a drink and dinner at Bellingham Cider Company. 

Distance from Seattle: 89.5 miles 

Time: Approx 1 hr 20 minutes 

The bottom line 

Whether you live in Seattle or are on vacation there, these eight weekend getaways from Seattle have you covered if you want to explore a bit more outside of the city. Less than 100 miles away, you don’t have to go far to see and experience more. While taking a road trip, you might want to consider if your car insurance has your back. At Metromile, customers can get pay-per-mile coverage and roadside assistance. Get a free quote and learn more.

​​ Melanie Lockert is a freelance writer, podcast host of the Mental Health and Wealth show, and author of Dear Debt. She’s a cat mom to two jazzy cats, Miles and Thelonious, an amateur boxer, music lover, and needs coffee to function.

Climate change is no longer something that will affect us in the future. It’s something we’re seeing affect us today in real-time with wild and unpredictable weather patterns, rising sea levels, and melting ice caps. It can be overwhelming to think about. Unfortunately, one of the most common ways individuals add to the problem is by driving. In fact, according to Environmental Protection Agency (EPA) data, the transportation sector has the highest share of greenhouse gas emissions (GHG) at 29%. On top of that, the EPA states that a passenger vehicle emits 4.6 metric tons of carbon dioxide each year. If you want to take action against car pollution and move the needle forward, here’s how to reduce your carbon footprint from your car.

Reduce how much you drive 

The most simple solution to reducing car pollution is to drive less. Easier said than done in some cases, especially depending on where you live, but here are some things to consider for each trip:

• Can you walk instead of drive?
• Can you bike instead of drive?
• Can you take public transportation? 
• Is there a shorter, more fuel-efficient route? A new mobile Google Maps feature shows you the most fuel-efficient route now. 

EPA data states that, on average, passenger cars emit 404 grams of CO2 per mile. If driving less seems complicated, see if you can commit to one day a week. Not driving for one day and opting for biking or walking can cut your emissions, according to transport study data published in Science Daily. According to the data, doing this can reduce your carbon footprint by .5 tons of CO2 emissions a year. 

Drive efficiently 

How much you drive is an important factor when it comes to car pollution. But if you’re looking for more air pollution solutions, looking at how you drive — and not just how much — is also important. 

Going too fast and hitting the brakes can be dangerous, but it’s also inefficient and can waste gas and harm the environment. 

According to FuelEconomy.gov, “Aggressive driving (speeding, rapid acceleration and braking) wastes gas. It can lower your gas mileage by roughly 15% to 30% at highway speeds, and 10% to 40% in stop-and-go traffic.” 

So if you want to learn how to reduce your carbon footprint, drive at the regular speed, brake on time, and ease into accelerating. 

Be a more mindful driver 

Sometimes a little mindfulness can go a long way when it comes to reducing car pollution. That means becoming a smart driver and being more mindful of your trips and how it impacts the environment. 

For example, if you don’t have to drive during rush hour, wait a bit longer. Sitting in traffic can hurt your gas mileage. 

Also, think about your trips and errands. Can you batch errands and make less frequent trips? Additionally, remove any excess weight that is weighing your car down. According to FuelEconomy.gov, “An extra 100 pounds in your vehicle could reduce your MPG by about 1%.”

Keep your car in good shape 

Just like it’s essential to keep your physical health in good shape, you want to keep your car in good condition as well. That means performing regular car maintenance like oil changes, changing your air and oil filters, and more. According to FuelEconomy.gov:

• Fixing an oxygen sensor can improve mileage by up to 40%
• Having proper tire pressure can improve gas mileage between 0.6% up to 3%
• Using the recommended manufacturer’s motor oil, you can improve gas mileage 1% to 2%

Maintaining your car has an impact on your gas mileage, which is measured by the term miles per gallon (MPG). According to data from the EPA, the tailpipe CO2 emissions from burning one gas gallon is 8,887 grams CO2. Keeping your car running well may improve your MPG and be a way to reduce your carbon footprint. 

Swap your car for a greener option 

If your current car is a gas guzzler and doesn’t get great mileage and you want to reduce your carbon footprint, consider swapping it out for something that’s more environmentally friendly. 

You can choose from:

• Electric vehicles
• Plug-in hybrids
• Cars with better gas mileage (check MPG using this Find a Car tool) 

Source/credit: FuelEconomy.gov

As you can see from the chart above, the higher the MPG, the lower the amount of greenhouse gases. The converse is also true, with lower MPG leading to higher amounts of greenhouse gases. 

An electric vehicle will have no tailpipe emissions, but the car may create other emissions depending on how the electricity is powered as well as in the manufacturing phase. 

Source/credit: afdc.energy.gov

Using this tool from the Alternative Fuels Data Center from the Department of Energy, you can see common electricity sources as well as emissions by type of vehicle. As you can see, all electric still wins out. 

If you’re unsure of what type of vehicle to look for and want more information, check out this Green Vehicle Guide by the EPA. 

Avoid idling 

You might think you need to “warm-up” the car in the morning or feel like you’ll just keep the car running for a bit while you make a quick stop or wait for someone. But it’s best to avoid idling completely when it comes to your car. According to FuelEconomy.gov, “Idling can use a quarter to a half gallon of fuel per hour, depending on engine size and air conditioner (AC) use.”

Remember the scary stat earlier about how burning one gallon of gas created 8,887 grams of CO2? Idling can get you a quarter to halfway there then, so it’s definitely something you want to avoid. Just stop the car. 

The bottom line 

Car pollution is a big issue in the fight against climate change. If you want to learn how to reduce your carbon footprint, taking these steps will be a good start. For more information, you can check out the EPA’s Carbon Footprint Calculator to see where you stand. Also, if it’s possible and easier for you, simply drive less to lower your environmental impact. If that’s possible, you can benefit from pay-per-mile auto insurance coverage. You pay for gas by the gallon, so it makes sense to buy insurance by the miles you drive. Using Metromile, you pay for each mile you drive and a base rate, so you can save money and reduce your carbon footprint. Get a free quote today. 

Melanie Lockert is a freelance writer, podcast host of the Mental Health and Wealth show, and author of Dear Debt. She’s a cat mom to two jazzy cats, Miles and Thelonious, an amateur boxer, music lover, and needs coffee to function.