Tips for Urban Families on a Budget

We're testing out a new car insurance program that charges by the mile and is ideal for urban families.
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Photography: Belathee

Photography: Belathee

This post is in partnership with Metromile.

We are in the thick of it. Parenting young children in the city, especially one of the most expensive cities in the United States, is not for the weak of heart. Housing, preschool, after-school activities - none of this is done in excess in our family, but just to do them at all is an investment. 

Last month I was introduced to Metromile, an auto insurance that offers a pay-per-mile model. It is specifically designed for those who drive less than 10,000 miles a year, and can save the  typical customer nearly $500 annually. 

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We crunched the numbers and realized that on average we drive 80 miles per week (I work from home and my husband rides his bike to the office most days), based on that average we were set up to save around $30 per month. As a single-car-family on a budget, this was a no brainer. Not only will we be saving money, we will also now be incentivized to use public transit to maintain our low payment - Metromile works on a sliding scale, so the less you drive the less you pay. It was actually perfectly timed spring inspiration and we signed up immediately. 

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I am passionate about city living and sharing resources that allow us to not just to survive, but to thrive as urban dwellers. Metromile has been a bit of a game changer for us and I am now seeking out additional cost cutting solutions for daily life. As we all know, $30 here and there adds up each month; we are already planning to use funds saved towards a longer family road trip this time next year. This is feasible because Metromile offers per-mile insurance, you aren’t charged for daily miles that exceed 250.  

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There are also a slew of perks through the free Metromile app like GPS tracking (so you’ll always know where your car is), air pressure and street sweeping alerts for certain cities. 

For many families owning a car is a necessity that even the most public-transit-friendly city dwellers cannot go without. Metromile makes vehicle ownership feasible for many while eliminating some the stress that accompanies urban life. 

Metromile is currently available in California, Illinois, Pennsylvania, Washington, Virginia, Oregon and now New Jersey! Additional states will be added throughout the year, to add yourself to receive notification of availability add yourself to the waitlist

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