I love to drive. However, I don't do much of it. We live in an enclave of Oakland where we're within a few minutes drive, if not walking distance, to public transportation, grocery stores, restaurants and boutiques - it's the perfect example of suburban and urban living. This is why we recently decided to switch our car insurance to Metromile. What I like about Metromile is just how easy, straightforward and sensible it is. Once you sign up, they send you a small GPS-enabled device, called The Pulse, that plugs into your car's diagnostic port so they can track how many miles you've driven within a month. Your monthly premium is then calculated by multiplying your per-mile rate by the number of miles driven per month, and then added to your low base rate. So you can imagine, we've saved a significant amount of money since making the switch. All of this information can be tracked on their convenient app, in addition to copies of your policy documents, reminders for engine checks, locations of your parked car and trip data like speed, money spent on gas and distance traveled.

Oh, and what about long distance drives, you ask? This was my biggest concern. Thankfully, daily mileage charges are capped at 250 miles per day for each vehicle so there's no charge for miles above the cap. Easy peasy. I'll drive!