Is Root Insurance Good?

Are you on the hunt for an insurance company that is both affordable and reliable? Root Insurance may be just the company you are looking for. Root Insurance is a newcomer to the insurance world, with its founding in 2015. Despite being a new company, it has grown rapidly and gained popularity. The company offers car insurance and focuses on providing drivers with a personalized experience, leveraging technology and data to keep prices low. But is Root Insurance good? Let’s dive in and find out.

What is Root Insurance?

Root Insurance is a car insurance company that differs from traditional insurance companies. Root Insurance aims to provide a personalized experience to its customers by leveraging data and technology. The company uses a mobile app that tracks driving behavior and calculates rates based on that data. This system is intended to reward good drivers with lower rates while charging higher rates to drivers who engage in unsafe driving behavior.

Root Insurance may be an attractive option for people who want to save money on their insurance premiums, as the company claims to save drivers up to 52% on their car insurance. Additionally, the app can be used to manage policies, file claims, and even track ridesharing income. Root Insurance is currently available in over 30 states in the United States and continues to expand.

Is Root Insurance Good?

One of the biggest concerns for consumers when considering a new insurance company is the reliability of that company. A reliable insurance company is one that provides the necessary coverage when needed, pays out claims promptly, and offers excellent customer service. In terms of reliability, Root Insurance has mixed reviews. While some customers of Root Insurance report excellent customer service and prompt claims payouts, others report a lack of communication and difficulty in filing claims.

The app-based system that Root Insurance uses to set rates based on driving behavior and collect claims information can also be a double-edged sword. While it may result in lower rates for good drivers, some drivers may feel uneasy sharing their driving data with an insurance company.

Despite some mixed reviews, Root Insurance has gained many fans. The company’s technology-driven approach and reasonable rates have made it stand out from the crowd. Additionally, Root Insurance has received high ratings from many reputable sources, such as Moody’s, which gave the company an A3 insurance financial strength rating.

Root Insurance Pros and Cons

Pros

Cons

There are also some notable disadvantages or potential drawbacks to choosing Root Insurance. As mentioned earlier, some drivers may feel uncomfortable sharing their driving data, and Root Insurance may not be available in all states. Additionally, Root Insurance has some mixed reviews on customer service and claims payouts, which might not meet some people’s expectations.

Root Insurance FAQ

What states is Root Insurance available in?

Root Insurance is currently available in over 30 states in the United States, including Arizona, Ohio, and Texas. However, availability may vary, so it is best to check the company’s website to see if it is available in your state.

What kind of coverage does Root Insurance offer?

Root Insurance offers standard car insurance coverage, which includes liability, collision, and comprehensive insurance. The company also provides rental car coverage, roadside assistance, and rental car reimbursement.

How is Root Insurance different from traditional insurance companies?

Root Insurance differs from traditional insurance companies in that it uses a mobile app to track driving behavior and calculate rates. This system is intended to reward good drivers with lower rates while charging higher rates to drivers who engage in unsafe driving behavior.

Does Root Insurance offer discounts?

Root Insurance offers discounts to customers who are good drivers or who refer friends to the company. Additionally, the company provides discounts for bundling home and auto insurance policies.

How do I sign up for Root Insurance?

Signing up for Root Insurance is easy and can be done through the company’s mobile app. The app will guide you through the process of setting up an account and tracking your driving behavior.

Conclusion

Root Insurance is a newcomer to the insurance world that has gained many fans. The company’s app-based system, which uses driving behavior data to calculate rates, has proved to be a draw for many drivers looking for more affordable car insurance. However, the company has some mixed reviews on customer service and claims payouts, which might not meet some people’s expectations. While Root Insurance may be a good option for some people, it is always important to shop around and do your research to find the right insurance company for you.