Insurance costs are sky-rocketing. Everyone wants and more than ever needs affordable car insurance. And, the endless search can often leave you more confused than when you first started. It doesn’t help new insurance providers appear on the scene every few minutes, but there are a few that appear promising. Root Insurance is one of those promising insurers and it’s certainly different from the others. If you want a unique insurer, Root Insurance might just be it.
It’s a car insurer with a difference. Your premiums or insurance rates are determined by your driving abilities. Essentially, the safer you are at driving, the more you could save. It’s a very simple concept but that’s the idea of Root Insurance. And, it’s really useful for good drivers to save a little, even if it is just a few dollars.
When you want an automobile insurance quote, you’ll need to download the Root app onto your smartphone and let it track your movements on the road. The app tracks you for two or three weeks and analyzes your experience on the road. This will determine the type of quote you get. Of course, there is slightly more to getting an insurance policy but that’s the general idea. It’s smart because, potentially, it could reward careful drivers and road users.
One of the more useful elements of Root Insurance is that it doesn’t just rely on traditional methods to determine an insurance quote. For instance, insurers look at where you live, driving history, and even your credit score to come up with a rate. The main idea of Root Insurance is that your quote is reliant on your test-driving period. Of course, other factors are still considered but they aren’t the only things that matter. It’s actually a pretty smart way to determine which drivers deserve affordable insurance. Unfortunately, many safe drivers are stuck with high insurance because of bad drivers.
Once you’ve downloaded the app, it’ll automatically start recording your movements on the road. And, your driving behaviors will be analyzed to determine what type of driver you are. The app will look to record things such as your turn speeds, the time of day (or night) you drive, the braking force used, and the smoothness of the ride. You’ll be told pretty quickly after the test period is over whether Root is offering a quote or declining your request.
No matter which policy you have with Root Insurance, roadside assistance is included. That’s pretty unique because a lot of others don’t have this so it’s a nice feature to have. What’s more, it’s useful should the worst happen. You’ll be able to get help as and when it’s needed without paying an additional fee on top of your monthly premiums. However, for every six-month term policies, you only have coverage for three incidents. While that might sound a bit odd, it’s not as bad as it sounds. If you’re getting into so many accidents within a short space of time, you’re probably not eligible for the policy in the first place.
At first, you can think Root Insurance is tough on drivers, especially since many are rejected. However, Root Insurance is tough on bad drivers and those who’ve had a poor test-drive period. It isn’t just based on one hour’s worth of driving or even a day, but rather over the course of almost a month, in some cases. If you’re a good driver and have an excellent test-drive period, you’re more likely to be accepted than a driver with a poor test-drive experience. It’s harsh but Root Insurance also looks at your history. The idea is insuring safe drivers and allowing them to save on their coverage. It’s a great idea even if some drivers aren’t accepted.
Their coverage is fairly good and they have lots of benefits to offer their customers. Depending on your test-driving period, you might be able to save hundreds per year; then again, it might just be a few dollars. However, it’s possible to save and get decent coverage for your vehicle and that’s useful no matter where you live. What’s more, their claims process is fairly straightforward too. If you have to file a claim, it can be done within minutes. And, you might be able to earn rewards by referring friends.
Root Insurance is unique in a lot of ways and it helps that it could save you money on insurance. Car insurance is high – like most insurance costs today – and being able to save even a little is important. Root Insurance does offer some useful benefits, including how they determine rates. Since it is mostly based on your driving habits, there’s a lot of money for decent drivers to save. Of course, how much anyone can save depends on the type of policy being chosen and your driving abilities.
There is more transparency with the app and it also rewards good drivers. Root Insurance is impressive on so many levels and feels user-friendly too.
Root Insurance could be a smart choice for a host of safe drivers. The concept behind it is appealing because it bases insurance rates on a driver’s behavior on the road. That’s smart and simplistic, in a sense. It might help encourage drivers to be a little more cautious while driving. Of course, you could save money on insurance and that’s useful no matter who you are or where you live. Saving anything is good. Root Insurance is a solution to look at and it does offer a lot too.