All the other reviews are planted reviews supressing negative reviews. It is low cost insurance. But the Metromile OBD II device has caused a number of different electrical issues across several of my cars. To diagnose and repair these electrical issues is more expensive than the savings on the insurance. When you complain Metromile offers to send you a new device and a car lighter adapter. But i've had to have a number of my cars that wouldnt start towed where all the different dealerships electrical diagnostic computers all said the Metromile OBD II device fried something in my electrical system. Also, their road side assistance program is horrible. Its an outsource service provider called Agero Road Side Assistance.