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Car insurance is expensive, and more drivers are looking for alternative options to traditional auto insurance policies to save money. Root is a new car insurance company that strives to take the work out of getting car insurance with “no agents, no phone calls, no hassle”.
One of the most novel aspects about Root is the fact it’s entirely app-based. Despite having a great website design chock-full of important information and explanations, all the actual insurance work happens on your Apple or Android device.
Root claims to be able to save good drivers up to 52 percent on car insurance, but how? Can you trust car insurance you bought off an app?
We looked deeper into Root to get a feel for their company and to understand how their auto insurance works. Read on to learn more and find out whether they could be a good fit for you.
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What to Know About Root Auto Insurance
Every car insurance company has their own way of calculating car insurance rates, but all of them are based on a series of criteria such as location, age, and even your job. Root, as its name implies, gets to the origins of what really matters when it comes to what you should pay for premiums — how well you drive.
Dubbed by Forbes as “real-time, context-based” insurance, Root launched as a startup originally for Tesla owners but has since expanded and now offers lower coverage to drivers of any vehicle.
Founder Alexander Timm has over 14 years experience in the insurance industry; he understands what works, and, more importantly, knows where it could be improved. He founded Root to make car insurance less of a hassle and more of an asset.
– How it Works
Root embraces modern times and uses technology to determine exactly how well you drive and reflects the results in the cost of your car insurance. When you download the app, you’ll have to take a test drive to determine your eligibility.
Using your smartphone’s GPS and motion sensors, Root will test your driving abilities based off a variety of factors like braking, smoothness, and traffic habits.
Your results will be evaluated by an AI, and the results will determine whether or not Root offers you a quote.
Who is Root car insurance good for?
Root is a good choice for people with a good driving record who want to save more on car insurance. Root breaks down how their car insurance pricing works on their site, and we have to say, their algorithm poses a new model that could dramatically cut costs and make insurance a lot more affordable.
Like we said earlier, a lot of factors go into determining car insurance costs. Every company has their own algorithm, but your driving record doesn’t play as large of a role as it should in most cases.
After answering tons of questions online, you’re ultimately placed in a risk pool that will determine how much you pay from any given company.
Sure, you can save money by qualifying for additional discounts and participating in savings programs like Liberty Mutual’s RightTrack and State Farm’s Drive Safe & Save. But your driving record and daily habits don’t typically influence your rates the most, which is unfair to a lot of people to say the least.
If you’re someone who is typically given high quotes due to your age, gender, or location, Root might be able to cut down major costs and give you a quote that reflects how well you drive and the type of coverage you actually need.
– Current States
Root is based out of Columbus, OH, and has plans to expand its business across the nation. The company recently started offering coverage in Kentucky and Philadelphia, bringing its availability up to a total of 17 states. Here’s the full list of states you can buy Root car insurance in:
- New Mexico
They offer a lot of the major types of car insurance coverages required by state and needed by drivers. Here’s a full list of their offerings:
Root offers liability coverage required in every state as well as additional coverages every driver should have like comprehensive and collision. There are also additional offers that will keep you secure in the event of an accident like under/uninsured motorist coverage and Personal Injury Protection (PIP).
Roadside assistance is included with every package, so you’ll never have to worry about being stranded. There’s also optional rental insurance that will make it easier to afford to get back on the road while your car is in the shop.
You know about discount programs at other car insurance companies. The difference between Root and its larger competitors is that their entire model is based off giving you discounts.
Instead of having to install a device, download a separate app or wait an entire policy period to find out what you can save, Root offers instant discounts on car insurance coverage all from their main app, and your savings are applied to all your coverages as soon as you’re eligible.
Pay-as-You-Go Car Insurance
Some people only need temporary coverage; Root’s auto insurance allows you to pay-as-you-go. You can sign up and pay for your insurance monthly or switch to one payment every 6 months. If you switch to a six-month payment plan, you won’t be able to switch pack until your policy’s 6-month renewal.
Even if you choose a later start date for your policy, payments are deducted immediately, so make sure you’re serious about switching to Root before you buy from them.
Is Root car insurance legit?
It’s understandable that you’d be skeptical of a car insurance policy you bought on an app. In case you’re worried this could all be a scam, we did our homework. Root is accredited by the Better Business Bureau and has a rating of A+.
Customer opinions matter, too. At the time of this review, Root was rated 4.5 stars on the App Store and 4.4 on Google Play Store with over almost 10,000 combined ratings.
How to Get a Root Car Insurance Quote Online
Root wants to take the work out of car insurance. Everyone needs it, but that doesn’t mean it should be such a chore (or a bore). Download the Root app on the Apple App or Google Play store and sign up for a test drive.
You’ll find out whether or not you’re eligible for coverage, and then Root will walk you through the buying process. It’s fast, easy, and by far the most modern car insurance company we’ve seen so far.
Of course, just because Root’s coverage is easy to access doesn’t mean you should immediately buy it. You still need to employ the smart shopping skills that can save money without cutting back on coverage.
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Like Root, we believe auto insurance should be easy to find and cheap to keep. Good drivers deserve fair rates. We’re glad you’ve stopped by. Now stay and start saving.