Everything is fine until you have an accident and need them. Consumers be aware!
I have been using Metromile for the past two years and really did not have any problems and used their app very often to check on my monthly payments. Then, I had an accident and realized that paying cheaper came with a price. Horrible costumer service, delay emails or zero call backs. You have to complaint to the public in order for them to pay attention to you to actually do something about your case. They probably play stupid so that they do not compensate you or they are probably short on cash flow to help you out. Do not use their services because you will regret it the day you need them!