Paul Sanchez
Root Insurance is a relatively new company, having been founded in 2015. It offers low-cost car insurance by only insuring good drivers. Root Insurance monitors your driving for up to four weeks, after which it will either send you a quote or decline to cover you. The company has received positive reviews for its customer service, affordability, and ease of use. However, some customers have complained about its strict eligibility requirements and high rates for night drivers. Root Insurance may be worth considering if you are a safe driver looking for affordable car insurance, but it's important to compare quotes from multiple companies to find the best option for your needs.
| Characteristics | Values |
|---|---|
| Affordability | Root Insurance offers lower prices than most other providers. |
| Customer Service | Root Insurance has received positive reviews for its customer service. |
| Coverage | Root Insurance offers standard types of coverage, including liability coverage, medical coverage, comprehensive coverage, and roadside assistance. |
| Eligibility | Root Insurance is upfront about its strict eligibility requirements and only covers "good" drivers. |
| Quotes | Root Insurance provides quotes based on a "Test Drive" where the company's app tracks driving behavior for two to four weeks. |
| Discounts | Root Insurance offers discounts to Tesla drivers who use automated steering and to customers who buy multiple policies and pay premiums upfront. |
| Complaints | Root Insurance has received a high number of complaints compared to other insurers. |
| Availability | Root Insurance is currently available in 34 states. |
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What You'll Learn
Root Insurance's pricing and affordability
Root Insurance is a relatively new insurance company, founded in 2015, that offers affordable car insurance by only insuring good drivers. The company's rates are based primarily on an individual's driving history and current driving behaviours rather than their credit score, vehicle type, age, driving record, marital status, gender, or zip code. Root Insurance monitors your driving for up to four weeks, although the average is three weeks, through a "Test Drive" on its mobile app. The app uses telematics to track your driving behaviour, including speed, acceleration, braking, and phone usage. After this period, Root Insurance will either send you a quote or decline to cover you.
The average cost of Root car insurance is $140 per month for full coverage and $90 per month for liability coverage. This is generally cheaper than its competitors, with some customers reporting that their previous insurance rates were almost twice as much as Root's for the same type of coverage. Root Insurance also offers discounts to Tesla drivers who use the automated steering feature and to customers who purchase multiple policies and pay their premiums upfront.
However, it is important to note that Root Insurance has received a high number of complaints compared to other insurers, with some customers reporting issues with claims being paid out. Root Insurance is also not yet available in all U.S. states.
Overall, Root Insurance's pricing model rewards safe drivers with lower premiums and is a good option for those with a clean driving record looking for affordable coverage.
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Customer service and claims experience
Customer reviews of Root Insurance's customer service and claims experience are mixed. While some customers have praised the company for its fast and friendly customer service, others have complained about issues with getting their claims approved and paid out.
Some customers have reported that the claims process was super easy and that their adjuster kept them informed every step of the way. Others have highlighted the speed of the process, with one customer reporting that they received payment just seven days after filing a claim. Several customers have also praised the company for its affordable prices, with some reporting monthly savings of $60 or more compared to other insurance providers.
However, there are also negative reviews from customers who have had issues with claims. One customer reported that they had to wait weeks for a payout after a fender bender and ended up having to Uber everywhere. Another customer complained that Root Insurance is "just waiting until you need them to pay for a claim...they won't. They take and take but won't pay!".
Root Insurance is a relatively new company, founded in 2015, and it offers affordable car insurance by only insuring good drivers. The company monitors your driving behaviour for two to four weeks (with an average of three weeks) through a mobile app before offering a quote. This approach allows Root Insurance to keep its rates down by refusing to cover risky drivers. However, it also means that the company is more likely to decline coverage than other providers, and some customers have reported being unhappy with the strict eligibility requirements.
Overall, while some customers have had positive experiences with Root Insurance's customer service and claims handling, others have encountered issues and delays in getting their claims approved and paid out. It is always a good idea to compare quotes and read reviews from multiple sources before choosing an insurance provider to find the best fit for your needs.
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Root's eligibility requirements
Root Insurance is a relatively new company, founded in 2015, that offers car insurance with a difference. Unlike traditional car insurance companies, Root Insurance offers affordable car insurance by only insuring good drivers. The company has strict eligibility requirements and requires a test drive to assess driving behaviour. This means that not every driver will qualify for coverage.
Eligibility Requirements
Root Insurance is currently only available in 34 states in the US. To be eligible for Root Insurance, you must first pass a test drive. The company's app tracks your driving behaviour for two to four weeks, with the average being three weeks. The app uses mobile technology to measure your driving habits, including speed, braking, swerving, and phone usage. Root Insurance is upfront about the fact that many drivers are refused a quote, stating on its site that it covers only ""good" drivers. By eliminating risky drivers from its customer base, Root can charge lower premiums overall.
Drivers with a clean driving record, free of accidents and tickets, will receive the most affordable rates. Root Insurance is a good option for safe drivers who have high car insurance rates, which is often the case for teens and young adults. It is also a good option for drivers with poor credit, as the company has promised to eliminate credit scores from its pricing model by 2025. Only California, Hawaii, and Massachusetts ban insurers from using credit scores to determine rates.
Root Insurance offers the minimum standard coverage options, like bodily injury and property damage liability, as required by law in most states. Root also offers Collision and Comprehensive coverage, which are required if your vehicle is financed or leased. Collision coverage pays for damage to your vehicle when you cause an accident, while Comprehensive coverage pays for damage caused by something other than an accident, such as storm damage, flood damage, car theft, or wildlife damage. Root also offers Uninsured and Underinsured Motorist Coverage, which covers your medical expenses if you are in an accident caused by a driver without insurance or without enough insurance.
Root Insurance also includes Roadside Assistance with every policy, covering services such as towing and emergency fuel delivery. Policyholders can also opt to add rental car reimbursement to their policy.
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The Root mobile app
The app also allows users to interact with their insurance policy. Users can pick their coverage, view insurance cards, request roadside assistance, and file claims through the app. The Root app has received positive reviews for its ease of use and the level of control it gives users over their coverage. It has been rated 4.7 out of 5 based on 69.8 thousand ratings.
The Root app also provides quotes for bundled home and auto insurance policies. Users can also add rental car reimbursement and uninsured and underinsured motorist coverage through the app. Root Insurance has stated that it will remove credit scores from its pricing model by 2025, which will be reflected in the app's quote generation.
However, there have been some concerns and negative reviews regarding the app. Some users have criticised Root Insurance's data collection practices and the potential for insurance rates to increase due to specific driving behaviours. There have also been complaints about the company's claims process and its reluctance to pay out.
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Root Insurance's reputation and reliability
Root Insurance is a relatively new company, founded in 2015. It is a legitimate insurance company, but its reputation and reliability depend on the driver and their driving history. Root Insurance is a usage-based insurance provider, meaning that it sets rates based on driving habits and behaviours. The company uses technology, such as the GPS and accelerometer in a driver's smartphone, to monitor and evaluate driving behaviours such as braking force, turn speed, ride smoothness, mileage, and the times of day when the driver is driving. Root Insurance claims that this allows them to offer affordable insurance rates by only insuring good drivers who are less likely to file a claim.
The company's reputation is that of a strict eligibility insurer, as it only covers safe drivers and does not offer coverage to high-risk or "bad" drivers. Root Insurance's rates are lower than most other providers, which has caused people to question the legitimacy of the company. However, Root Insurance reviews claim that drivers can save money through this provider, especially if they have a clean driving record free of accidents and tickets. Root Insurance is also upfront about its strict eligibility requirements, stating that by only offering coverage to good drivers, every driver in the insurance pool will pay less in premiums overall.
Root Insurance has received mixed reviews online. Some customers have praised the company for offering lower rates, especially for drivers who are considered high-risk by other companies due to age or the type of car they own. Root Insurance also offers a discount for customers who bundle auto and renters insurance, and for those who have after-market anti-theft devices installed in their vehicles. Additionally, the company has pledged to remove credit scores as a rating factor by 2025, which will eliminate further barriers for people to obtain affordable car insurance.
However, there have also been complaints about Root Insurance. The company has been criticised for denying coverage to many drivers, which is one of the biggest complaints about the company. Some customers have also expressed concerns about data privacy and the company's willingness to pay out claims. Root Insurance is also not available in every state and is currently only available in 34 states. Additionally, the company does not offer gap insurance, so those with leased vehicles or auto loans will need to purchase separate gap insurance. Root Insurance also has limited add-on coverage options and does not offer any additional discounts beyond safe driving and bundling policies.
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Frequently asked questions
Root Insurance is a newer insurance company founded in 2015. Unlike traditional car insurance companies, Root Insurance offers affordable car insurance by only insuring good drivers.
Root Insurance determines its rates based primarily on driving history and behaviour. The company monitors your driving for up to four weeks through its mobile app and then provides a quote based on how safely you drive.
Root Insurance offers lower rates than most other providers, making it a good option for safe drivers who want their rates to be based on their driving behaviour. Root Insurance also includes roadside assistance in every policy and has pledged to eliminate credit scores from its pricing model.
Root Insurance has had a high number of complaints compared to other insurers. Some customers have reported issues with the company's claims process and its strict eligibility requirements. Root Insurance is also not yet available in all states.
