- Jul 11, 2001
- 37,478
- 8,077
- 136
I drive a paid-for Mazda 626LX, 1997 sedan with less than 32,000 miles on it. Been with Mercury insurance for some years. I haven't had a citation or accident for ~50 years!
I have been driving less than 1500 mi/year for decades. Currently less than 750 mi/year.
Sometimes my rate will jump and I call my insurance agent, tell him what my odometer reads and he comes back with a lower quote. That's a PITA, but not terrible.
Recently Mercury's quote has gone up, ~12%/year 6 months ago, ~14% per year on the bill that's due today. I went to Metromile online today and worked up a quote in chat that's similar to my Mercury except that medical expense drops to $1000 from Mercury's $5000. Otherwise, I think it's the same:
Bodily injury liability 100K each person, 300k each accident
Property damage liability 100k each accident
Uninsured motorists bodily injury liability 100k each person, 300k each accident
Uninsured motorists propterty damage liability $3,500 maximum
Metromile with my current usage comes to $27/mo + 3.4 cents/mile, and for me the bill would be ~$29/mo. That would save me $247/year. BUT, my insurance agent said my homeowner's insurance would increase ~$135/year because I would lose my multi-policy discount. So, baring rate increases or an accident or something, I'd come out ahead around $112/year jumping ship to Metromile.
But... Metromile would require me to install their dongle in the OBD II port in the car. That would keep track of my mileage. It also garners other info, including speed, warning messages about engine, etc. issues, I suppose other stuff. That could be considered spyware. There may be a way to turn off some of that stuff if I want to, I think I saw somewhere. If and when I cancel Metromile, I have to send the device back to them.
Metromile and Mercury have so so reviews. There are major complaints from some customers. Their business model is way different. I think Metromile sticks to car insurance. They aren't national organizations in terms of being available everywhere, just a subset of states.
My agent says if I want to I can come back to Mercury, no problem.
Switch auto insurance to Metromile or stay with Mercury? Gotta decide today, at least for now, my Mercury payment is due today (online).
I have been driving less than 1500 mi/year for decades. Currently less than 750 mi/year.
Sometimes my rate will jump and I call my insurance agent, tell him what my odometer reads and he comes back with a lower quote. That's a PITA, but not terrible.
Recently Mercury's quote has gone up, ~12%/year 6 months ago, ~14% per year on the bill that's due today. I went to Metromile online today and worked up a quote in chat that's similar to my Mercury except that medical expense drops to $1000 from Mercury's $5000. Otherwise, I think it's the same:
Bodily injury liability 100K each person, 300k each accident
Property damage liability 100k each accident
Uninsured motorists bodily injury liability 100k each person, 300k each accident
Uninsured motorists propterty damage liability $3,500 maximum
Metromile with my current usage comes to $27/mo + 3.4 cents/mile, and for me the bill would be ~$29/mo. That would save me $247/year. BUT, my insurance agent said my homeowner's insurance would increase ~$135/year because I would lose my multi-policy discount. So, baring rate increases or an accident or something, I'd come out ahead around $112/year jumping ship to Metromile.
But... Metromile would require me to install their dongle in the OBD II port in the car. That would keep track of my mileage. It also garners other info, including speed, warning messages about engine, etc. issues, I suppose other stuff. That could be considered spyware. There may be a way to turn off some of that stuff if I want to, I think I saw somewhere. If and when I cancel Metromile, I have to send the device back to them.
Metromile and Mercury have so so reviews. There are major complaints from some customers. Their business model is way different. I think Metromile sticks to car insurance. They aren't national organizations in terms of being available everywhere, just a subset of states.
My agent says if I want to I can come back to Mercury, no problem.
Switch auto insurance to Metromile or stay with Mercury? Gotta decide today, at least for now, my Mercury payment is due today (online).
Last edited:
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