Root Car Insurance Review

There are several reasons to consider Root Car Insurance when purchasing car insurance. Not only does it offer various coverage options, but it also does not use credit scores in its premium calculation. Moreover, it has an A+ rating with the Better Business Bureau. In addition, its premiums are very affordable. Moreover, it provides complimentary roadside assistance for customers with car problems.

Root Car Insurance offers uninsured motorist property damage coverage

While Root primarily focuses on auto insurance, they also offer homeowners and renters insurance. The insurance company has a convenient app that makes filing claims as easy as possible. With the app, customers simply answer a few questions about the accident, take pictures, and submit a claim. Once it is approved, Root will mail a check to the customer.

When it comes to collision and comprehensive coverage, Root offers customers the ability to customize their limits for bodily injury liability and property damage liability. While liability coverage is a legal requirement in most states, comprehensive coverage can cover damage from vandalism and hail. While most drivers don’t need to carry comprehensive coverage, lenders and leasing companies may require it. Root’s customer satisfaction scores are higher than the industry average, but most complaints are related to claiming denials and unsatisfactory settlements.

It does not use credit scores in its premium calculation

While most insurers use credit scores in their premium calculation, Root doesn’t. The root will indeed decline to cover a driver whose credit score is low or who has many complaints. However, customers should understand that their rates may go up if the company doesn’t see good driving history or bad credit.

Drivers with poor credit typically pay up to 115% more for their auto insurance than drivers with excellent credit. While this may be an appealing business model for some people, Root’s reputation is only average compared to other auto insurance providers. The Better Business Bureau has accredited Root but only has a 1.3-star rating. In addition, it has no AM Best financial strength ratings and has not been featured in any J.D. Power or other studies.

It offers free roadside assistance.

One of the nice things about Root Car Insurance is that their roadside assistance is free for customers. It may seem like an overly generous offer, but it’s a way for the company to keep its costs low. Moreover, the company offers 24/7 claims support. That’s something most insurance companies don’t offer. The company also pays claims promptly, usually within ten business days.

The company has a user-based pricing scheme, which can lower your premiums based on your driving habits. If you’re a bad driver, Root isn’t likely to be a good fit. However, this doesn’t mean you can ignore your driving history – you can receive several quotes over a few weeks based on your driving habits.

It has an A+ rating from the BBB.

Root Car Insurance has received an A+ rating from the BBB, but some consumers have expressed concern about the company’s claims handling. They complain that the company declines to offer policies to drivers with poor driving records and that they don’t always provide the best claims experience. This company also requires applicants to submit to a driving test before getting a policy.

Although the company offers several benefits, some consumers have complained about billing disputes and the possibility of their coverage being dropped due to driving habits. However, the company has responded to every complaint on BBB’s website. The company also has an app that allows customers to file claims in as little as three minutes. In addition, the company’s customer service representatives are only available during business hours.

It offers a referral bonus.

Root Car Insurance offers a referral bonus of up to $25 when a new customer signs up. For a referral, the new customer must live in a state where Root Car Insurance is available. The bonus can be received as a physical check, PayPal, Visa Prepaid Card, or bank transfer. The referral bonus can also be received as a gift card.

Root promotes itself as a low-cost insurance option for safe drivers. The company gives more weight to drivers’ driving behavior than most insurers. This means that good drivers will pay less than average. The app also monitors the driver during a “test drive,” which rewards safe driving.