Just Insure sells three month (90-day) auto-renewing per mile auto insurance . There are three coverage package available, "Minimum Liability", "Basic Full Coverage" and "Regular Full Coverage".
When you sign up, you just need to answers to a few questions and we will use the data from your driving license, credit report and driving history to give you an initial price.
If you choose a "Per-mile" policy, the key to how much your policy will cost, is how much you drive since we charge based upon the miles driven on your vehicle (plus a small daily charge). As a result, your estimated miles during sign up should be as accurate as possible.
If you choose an "Unlimited miles" policy, then the amount of miles driven does not matter, however your daily rate will cost a little more.
In both insurance policy types noted above, after purchase, we’ll then determine the quality of your driving during the course of your policy. We use this data to provide a rate of pay for the next policy period. We determine from your phones sensors how much you drive, whether you speed, stop at stop signs and the like to understand your driving habits.
When its time to get a new policy period, we’ll send you a renewal message. Hopefully this will be good news and your per mile rate is lower than before! But sometimes we’ll tell you that you’re not driving as safely as you could and that we’re going to have to charge you a higher price in future.
You are never locked in, and we’ll never change your rate during the active policy period. We’ll always be transparent with costs so you’ll know exactly where you stand.