Editor
Jordan Ellis
Jordan Ellis is the editor of Pay As You Go Car Insurance. They spent six years in insurance product development, two of them on a team building and pricing a usage-based programme, and understand both what the devices measure and how the numbers become a premium.
They started this site in 2023 because the products were spreading faster than clear explanations of them. Jordan writes the mechanics, privacy and comparison guides and reviews every page annually.
Jordan lives in Portland, Oregon and commutes by bicycle, which is how they became a low-mileage driver.
- Based in Portland, Oregon
- Covering auto insurance since 2017
- Focus areas: usage-based insurance pricing, telematics programmes, insurance product design, data privacy
- Education: Portland State University (B.S., Mathematics)
Guides
Guide
How Pay-As-You-Go Car Insurance Works
The two models behind pay-as-you-go car insurance—pay-per-mile and behaviour-based telematics—how premiums are calculated, and how the devices and apps collect data.
Guide
Pay-Per-Mile vs Telematics: Which Saves More?
A direct comparison of pay-per-mile and behaviour-based telematics—who each suits, how savings differ, and whether you can combine them.
Guide
Privacy and Data in Pay-As-You-Go Insurance
What telematics devices and apps actually collect, how insurers use and share it, how long it is kept, and how to limit what you give up.
Guide
How to Compare Pay-As-You-Go Insurance Quotes
A method for comparing pay-per-mile, telematics and conventional quotes on equal terms: realistic mileage, identical coverage, daily caps, surcharge rules and data terms.
Entries
Entry
Daily Mileage Caps on Pay-Per-Mile Insurance
How daily caps work on pay-per-mile policies, why they exist, typical cap levels, and how road trips are billed.
Entry
How to Calculate Your Break-Even Mileage for Pay-Per-Mile Car Insurance
Learn how to calculate your break-even mileage to determine if pay-per-mile car insurance will save you money compared to a standard fixed-rate policy.
Entry
What Driving Data Do Usage-Based and Telematics Car Insurers Track?
Understand exactly what driving data telematics and pay-as-you-go car insurers record, how devices gather it, and state rules governing driver privacy.