I had metromile for almost a year and a half. If you have a car that you do not use that much, they will try to charge you the max for inactivity and send you another device. Paying bills on the website does not always work properly for reasons their customer support was unable to tell me; except that they were willing to double bill me. Compared to Farmers and Allstate I saved about 10% based on about 10k mileage for the year; but my coverage limits were lower and my deductibles were higher. I switched to Geico and will save about 25% with better coverage than I had with metromile. If you are retired and drive under 7K per year you may be able to save a small amount compared to competitors but be prepared to be the metromile lab rat as they continue to work out all the bugs in their system if you decide to experiment with this company.