Is Root Insurance Right For You? A Beginner’s Guide

If you own a car, you will surely need car insurance with it. No, not just because it is mandatory, but it offers you a lot of benefits. Now, if you start looking for car insurance options, you may see a name popping up: Root Insurance.

Having car insurance is very necessary in most states. Let’s say you are at fault in a car accident. If you have car insurance, it becomes useful to cover the amount with car insurance.   

You can think of it as a safety net for your car. Root Insurance is making a fantastic new way to get car insurance. On top of that, you will be rewarded for being a great driver.

Ready to ditch the old-school insurance? Let’s dive into learning how insurance can be beneficial for you!

What is Root Insurance?

Founded in 2015, Root Insurance is known for being a unique car insurance company. They use telematics technologies to assess your driving habits and determine your premium.

Unlike traditional insurance companies, Root Insurance does not rely on factors such as age, location, and credit score. They solely focus on your driving behavior.   

All you must do is download the Root application and then allow it to track your driving. This can help you to earn lower rates potentially.

The application monitors various factors, such as:

• Braking
• Acceleration
• Phone usage

These factors help in determining how much premium you are about to pay. The more you drive safely, the more the potential increases to pay for less premium. Other than that, root insurance offers you a large variety of car insurance coverage. This includes liability, comprehensive roadside assistance, and collision.

How does the Root Insurance

Root insurance offers a unique approach to opting for car insurance based on how you drive.

Here’s precisely how it works:

• Test Drive: You can download the Root application and start your test drive period. During this time period, the Root Insurance app continuously monitors your driving behavior, including acceleration, braking, and phone usage.
• Data Analysis: The Root algorithm analyzes your driving data to assess your risk as a driver. If you have  good driving habits, it can lead to lower premium rates.   
• Personalized Quote: Once the test drive is over, Root Insurance will provide you with a customized insurance quote that is based on your driving behavior.   
• Policy Management: The Root insurance allows you to manage your policy through the Root application. You can freely make changes, file your claims, and get access to your insurance card.

As a whole, Root’s model is more like a reward for those who drive safely. This is very attractive for the ones who want to save money while having control over insurance costs.

The Major Benefits Of Root Insurance

Root Insurance offers you a unique approach to car insurance. It solely focuses on rewarding safe behavior. Usually, user-based car insurance can be a huge money-saver for the ones who drive safely.

Root Insurance says that the insurance helps the policyholders reduce their premiums by up to 52%. Moreover, the company also provides fast claim services. They try to settle a claim within 10 days, which is unlike the traditional insurance companies, as they usually take a few weeks or more.

Other than that, the policyholders also have access to their basic coverages, which include collision, liability, comprehensive well, and roadside assistance.

In addition to that, telematics also helps drivers to be more conscious of their habits when they are driving the car. Always remember that the way you drive can have a significant impact on your premium.

How Does the Root Insurance Quote Process Work?

The process of Root’s insurance is a lot different than the tradiitional insurance companies. Eager to know how it works, here’s how:

• First, you must download the application.
• Then you can sign up to take the driving test. You are free to drive as generally as usual for a few weeks.
• Once the text drive is over, you will receive a quote, which is based on how you drive. This quotation does not include your age, credit score, or ZIP code.
• If you like the quote, you can proceed with purchasing. You can purchase the application.  

Additional Root Insurance Programs

As I have already discussed, Root Insurance offers a unique approach to car insurance. They solely focus on your driving behavior. So, if you are a great driver, there is a high chance you will be able to save hundreds of dollars with Root insurance programs compared to the other insurance models.

Other than that, Root also offers you additional perks, including roadside assistance at any kind of extra cost. This helps to cover up to three incidents in a six-month policy term.

How to Save Money on Root Insurance

Root Insurance offers you many ways to save money on your car insurance.

Here are the top ways that you can opt for:

Usage-Based Discounts: This specific insurance is the application to track your driving habits. So, if you can prove yourself as a safe driver, the company can reward your lower premiums. Bundling Policies: You can combine your car insurance with your home insurance through Root services. This way you can earn a significant discount.   

Full-Year Payment: If you can pay your annual premium upfront, it can help you get discounts on your monthly payments.   

Safe Driving Habits: Lastly, maintaining a clean driving record can help you achieve a good driving record. You also become cautious to avoid accidents on roads. This can help you to make a significant reduction in your insurance costs.   

Root Insurance Cost

Each car insurance policy comes with a pricing. Traditional insurance always offers you a predetermined cost structure. However, the Root insurance is lightly different than the rest. The cost is highly dependent on the habits and locations of a driver.  

The pricing for Root Insurance is lower than the average full-coverage car insurance. It costs customers an average of $984, while natural insurance covers around $1924. Almost more than double.

As Root caters to safe drivers, it becomes easy to keep the claim low. Given that fact, the Root insurance is a little higher than the average, especially when it comes to the minimum coverage. It costs around $702 every year, while the average might cost you around $547.

Root Insurance Reviews: Pros and Cons

According to TrustedChoice, they would rate Root Insurance 4 out of 5 stars. Founded in 2015, the insurance company has been widely famous among homeowners and insurance, mainly known as auto insurance.

The company has gained an A+ rating from the Business Bureau. The company is famous for providing phone, online, and mobile applications services.

However, there are some advantages and disadvantages related to Root Insurance Company, which I will explain in the following:

Pros	Cons
Root Insurance is rated as A+ by the Better Business Bureau.	Coverage is not available in every state.
Root Insurance offers you affordable car insurance.	AM Best does not rate the insurance.
The insurance is famous for providing you with multiple coverages.
You can navigate all the services through the Root mobile application.
The insurance also offers you access to online claim reports.

How to File a Root Insurance Claim

Filling out a root insurance is very easy. You just must follow these steps:

• Open your Root application, head to your Root app and tap “File a claim.”
• There, you may find a few questions that you must answer, such as:
• Details about the incident
• When did it happen?
• How it happened?
• Next, you must snap some pictures. Try to click pictures from different angles, which further helps to assess the situation.

And that’s it! The Root insurance takes care of the rest. The company sends updates through emails or applications.  

What Do The Customers Have To Say About Root Insurance: Customer Reviews And Ratings  

On Trustpilot, the company has been able to receive 4.3 stars from 2395 users. Over 71% of the users rated Root Insurance five stars, while 11% of the customers rated it four stars.

This strongly shows that the company has satisfied the customer’s needs and preferences.

On the other hand, you may also find some great reviews on their own website. Most of the users have expressed their satisfaction with root’s coverage policies.  

“I’ve been using Root for over a year. Amazing coverage and so easy to switch to a new vehicle. Customer service is amazing here as well. I know I won’t be switching any time soon.”

 Other users shared their opinions on Root Insurance’s fast customer service, easy claim process, and affordability.

“My claims process was super easy and my adjuster kept me in the loop every step of the way.”

Coverage Options: Root Insurance  

Root Insurance offers you standard car insurance as any other traditional insurance company provides you.

This coverage includes:

• Bodily injury and various liabilities.
• Collision
• Comprehensive
• Medical payments
• Uninsured or Underinsured motorist coverage.
• Personal injury protection

However, Root insurance also includes roadside assistance. You may not see this coverage in any other insurance company. Here’s a complete description of Root Insurance.

• Rental car coverage: When your vehicle is under repair, the rental car coverage imburses you a rental car or a Lyft.
• Roadside assistance: On the other hand, roadside assistance provides  services like jumpstart, tow, and lockout services whenever you need them.  

In addition to the coverage, Root insurance is available in most states. However, it is not available in:

• Alaska
• Hawaii
• Idaho
• Maine
• Massachusetts
• Michigan
• Minnesota
• New Hampshire
• New Jersey
• New York
• North Carolina
• Rhode Island
• South Dakota
• Vermont
• Washington
• Wyoming

Eligibility And Availability  

As per Root Insurance, good drivers deserve significant savings. This is why the company offers customizable vehicle insurance, which is tailored to sound drivers only.  

On the other hand, the company does not care much about specific criteria, such as age, job, credit score, or occupation. They provide services solely based on rates and how you drive. They also offer you the opportunity to make further adjustments to the service that perfectly meet your needs as well as your budget.

How to Get Started with Root Insurance

Before we end the discussion here, it is necessary to understand how you can get started with Root Insurance.

You can easily:

• Download the Root application. You can find the app in the App Store or Google Play.
• Then you can sign up from the app.
• Next, you have to sign up for text drives and drive generally for the next 3 weeks while keeping the phone in your car.
• Once you are done, get a quote based on your overall driving behavior.
• Lastly, you can customize and further purchase the policy in the application.

Don’t worry! The app does not have to stay open to track the trip. You can permit it to run in the background. You would also need to keep the GPS on when you are driving for the test drive.

Root Insurance is a unique way to get car insurance. It’s a win-win: you drive safely, and they reward you with lower premiums. If you’re a good driver, it’s definitely worth checking out!

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