You drive 4,000 miles a year. Stop paying for 12,000.
Telematics and per-mile programs from every carrier that offers one — with an honest read on who actually saves, and who should never plug in.
The coverage, decoded.
If you work from home, take transit, or garage a second car, per-mile pricing can cut your premium by a third or more. If you brake hard at night on I-70, a telematics app will quietly raise it. The difference between those outcomes is exactly what a captive agent won’t tell you — their carrier only has one program to sell. We place low-mileage drivers across every usage-based program on the panel, compare the per-mile base rates that carriers never advertise side by side, and tell perhaps a quarter of applicants that telematics would cost them money. That honesty is the product.
What this line includes
What the panel does for pay-per-mile coverage.
01
Per-mile base rates compared across programs — the number carriers don’t advertise.
02
A straight answer on whether your driving pattern actually saves with telematics.
03
Seasonal and stored-vehicle structures for cars that hibernate.
Outcomes on this line.
- $58/mo
Work-from-home designer driving 3,100 miles a year, priced like a commuter
Per-mile base rate compared across three programs; premium fell from $118 to $58 a month.
Savings figures shown are illustrative of individual client outcomes and averages across recent clients who switched; they are not a guarantee of your result. Your premium depends on your driving record, vehicle, location, coverage selections, and other rating factors.
The advisors on this line.
Maya Brooks
Co-founder · Principal Advisor
A former carrier underwriter who got tired of watching loyal customers subsidize new ones, Maya co-founded Lanewise to put the rating spread in the driver’s favor.
P&C — Ohio (resident) + 27 non-resident states
Grace Okoye
Senior Advisor · Gig & Commercial
Grace runs the rideshare and fleet desks — the risks most agencies quote wrong or won’t quote at all.
P&C — Ohio (resident) + 21 non-resident states
Asked at this desk, often.
No. Carriers use a “soft pull” insurance score for rating, which never affects your credit score and doesn’t appear to other lenders. One application with us rates across the whole panel — it does not generate fourteen separate inquiries. And we don’t resell your information, so quoting won’t summon a plague of spam calls.
The engine surfaces every carrier’s price for your exact profile; your advisor then weighs the things a price can’t show — claims satisfaction scores, how the carrier behaves at renewal, whether they’re strong for your specific risk. Our carrier scorecard is public on the carriers page. We recommend the best fit and show you the runners-up, and the choice is always yours.
For about half of drivers, genuinely yes — smooth daytime drivers with garaged cars routinely save 10–30%. For night-shift workers, hard brakers, and high-mileage commuters it can quietly raise rates at renewal. We compare each program’s actual scoring rules and tell you honestly which group you’re in. Sometimes the best telematics advice is “don’t.”