Is Root Auto Insurance Legit? All To Know

Is Root Auto Insurance Legit? 

While exploring auto insurance options, you might come across one called Root.

Its prices are notably lower than many other providers, leading people to question of its legitimacy.

Continue reading to learn more about whether root auto insurance is legit and the type of services they offer their clients.

An image illustrating whether Root Auto Insurance is Legit
Source: Freepik

Reviews of Root Auto Insurance suggest that drivers can save money with this provider, although rates are entirely based on driving history.

Those with a spotless record, free of accidents and tickets, will get the lowest rates. When comparing car insurance options, it could be beneficial to request a quote from Root Insurance.

About Root Auto Insurance

Root Auto Insurance is a newer car insurance company that focuses on insuring good drivers.

Unlike traditional insurers, they primarily consider your clean driving record when determining rates.

By doing so, they can offer more affordable coverage. Other factors like age, gender, and credit score play a smaller role in their calculations.

Additionally, after a test drive period, Root Auto Insurance provides a car insurance quote based on your driving behavior.

So, if you’re a responsible driver, Root Auto Insurance might be a great option for you!

How Root Auto Insurance Operates

Root Car Insurance operates on a usage-based model, where your driving behavior, tracked via your smartphone during a test drive, determines your insurance rates.

This includes metrics like driving times, speed, and braking habits.

Root focuses less on traditional factors like demographics and credit history, thereby allowing for potentially lower rates for safe, low-mileage drivers.

After the test drive, if Root’s analysis deems you a “good” driver, you’ll receive a personalized insurance quote, reflecting their commitment to insuring safer drivers at more affordable rates.

Root Insurance Coverage Options

Root Auto Insurance offers different types of insurance plans, including:

  • Liability coverage: This pays for injuries or damages to others if you cause an accident.
  • Medical coverage: It helps cover medical bills for you and your passengers after an accident.
  • Comprehensive coverage: This protects your car from things like theft, vandalism, or natural disasters.
  • Collision coverage: It pays for repairs to your car after a crash, no matter who’s at fault.
  • Uninsured motorist property damage: Covers your car if the other driver doesn’t have enough insurance.

Furthermore, Root Auto Insurance provides extras like roadside assistance and rental coverage.

Your insurance needs depend on where you live and your car. For instance, if you’re financing a car, you might need full coverage. State laws also influence how much insurance you need.

Even if you’re not required to have full coverage, you must meet your state’s minimum requirements. It’s essential to have enough insurance to protect you in case of an accident.

Root Insurance also offers renters and homeowners insurance, although these are newer products with fewer reviews available.

Additional Coverages

Additionally, Root Auto Insurance provides some extra benefits.

  • Roadside assistance: You get roadside help for free, which is usually paid for with other companies. While many insurers charge for roadside assistance monthly or per use, Root covers up to three incidents every six months, up to $100 each.
  • Rideshare option for rental coverage: Root is more flexible. That is, they can let you choose between a rental car or Lyft rides if your car is being repaired after an accident. Each claim gives the customer the choice, but Root can help decide.
  • SR-22: Root Insurance provides SR-22 certificates, which are needed after a DUI incident. An SR-22 is a form sent by the insurer to the state’s DMV to show you have the state-mandated minimum insurance coverage.

How can I Get A Quote from Root Auto Insurance?

Getting a quote from Root Insurance is straightforward. Here’s a simplified version:

  1. Create an account on Root’s website or app.
  2. Allow the app to monitor your driving using your phone’s GPS.
  3. Take a test drive so the app can assess your driving.
  4. Check out your quote once the test drive is over.

The app has a feature called the Driver Scorecard, which helps you track and improve your driving.

Note that it’s smart enough to know if you’re driving or just a passenger, so you won’t be judged for someone else’s driving.

After the test, Root will either offer you insurance based on your safe driving or they might not offer coverage if they think you’re a high-risk driver.

This means that if you’re a safe driver, you could end up paying less for insurance with Root compared to other companies.

How Long Does a Root Insurance Test Drive Last?

Root Auto Insurance test drive typically lasts about three weeks, but it can be up to four weeks. The exact time depends on how much you drive.

Additionally, you can see how much time is left in the app.

Some people might get their insurance quote in just one or two weeks, especially when they spend more time on the road.

Once you get a quote, you have 30 days to decide if you want to accept it.

Always remember that it’s smart to compare Root Auto Insurance rates with other insurance companies to make sure you’re getting a good deal.

Ways to Cut Costs with Root Auto Insurance

To reduce costs with Root Insurance, which rewards safe driving, consider these strategies:

  • Keep a clean driving record: Avoid accidents and tickets to keep your rates stable.
  • Drive attentively: You could earn up to a 10% discount for not using your phone while driving.
  • Utilize Tesla’s safety features: Tesla owners using automated steering can receive discounts.
  • Compare quotes: Regularly compare Root’s rates with other insurers, especially when renewing your policy or after changes in your information.
  • Bundle policies: Consider purchasing multiple insurance types from Root and paying your premium in full to potentially save more.

Remember, traffic violations or accidents could lead to higher rates or non-renewal of your policy with Root.

Always aim for safe driving to maximize savings.

Conclusion

Root Auto Insurance emerges as a legit and innovative player in the car insurance market.

By leveraging technology to assess driving habits directly, Root Car Insurance offers a unique, usage-based insurance model that rewards safe and low-mileage drivers with potentially lower premiums.

While it may not be the traditional choice for every driver, those who prioritize responsible driving and are comfortable with technology can find Root to be a cost-effective and modern insurance option.

As with any insurance decision, it’s wise to compare quotes and services to ensure that Root’s approach aligns with your individual needs and expectations.

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