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Is Root Car Insurance good or should I stay with who I am with ?

Mitch Avatar By: Mitch | Last updated April 28, 2021

Car accident


Car insurance is a must for all users. While different states have different specifics about the type of insurance to purchase, usually, a victim's medical insurance and collision insurance is generally required. While there are a lot of known companies which have been staples among many users, the development of technology has helped innovators create more modern ways of getting this necessity. One of the best-known companies is the relatively known Root Car Insurance that promotes itself as one of the fairest companies when it comes to rates given their modern way of assessing user performance.

How does Root Insurance work?

The main difference between traditional companies and Root Car Insurance is that the whole insurance process of the latter can be done entirely through your phone. Users simply need to download their application in their phones, fill-up the registration form, and then assess their car performance by driving with their car with the application running. Through this, there will be no need for a face-to-face interaction with anyone, for any length document signing, for live driving rating, and any of that sort. This is especially helpful for those who plan to get car insurance in the middle of the pandemic. When we did a review of Root car insurance we were really impressed by many aspects of their offers and coverages.

How does Root Insurance save you money?

Almost all modern mobile phones have a GPS function in it. Through this, the application will detect factors such as the average speed of the driver, how carefully they take turns, the time when they usually drive, and other similar factors. This will then be summarized and will be given a score by the application. Those who drive safely will be given better rates as they are least likely to be involved in an accident. Other factors that may take part in the computation of rates are your past records and vehicle model. They especially promote the fact that they are one of the least discriminatory companies when it comes to these rates as the majority of the contributory factor is your performance.

How to submit a claim to Root Auto Insurance?

True to its promise of everything being done through your phone, users can also simply submit their claims through this. Users simply need to take a photo of their vehicle and then upload it to their customer service. Usually, this only takes minutes to get approved. They will then guide you through the whole insurance process.

Coverage options with Root Insurance

Root Car Insurance offers a lot of coverage for users. Included here are the most important ones which are under the Liability coverage. This includes the Bodily Injury and Property Damage which are the most sought-after by many users as most states require it. This is mostly applied when you are the one that has caused the damage against another person’s property.

They also have coverage for your own car. This includes roadside assistance, collision, comprehensive, and rental. Roadside assistance pertains to a 24/7 available service that can respond to you in case you have an emergency in the middle of the road such as being locked out of your car, losing gas, and more. Rental coverage pertains to being given an allowance to rent a car while your own is being fixed.

Lastly, they also offer medical insurance. This is mostly applied in case you or your family members are involved in an accident. This includes personal injury protection, medical payments, and uninsured and underinsured motorist bodily injury.

Should you buy Root car insurance?

Root Car Insurance is one of the most convenient ways of getting car insurance. Even amateur phone users can be guided through the process of getting insurance from them. They can also be sure that they are given control over their performance when it comes to driving.

The only downsides to the service is that some users who have specific situations such as those who drive for a livelihood will not be given adjustments by the service. Users may not be able to state whether they are driving for personal or professional reasons.

Basically, the service is recommended if you are comfortable enough with the app deciding your driving performance and if you think you should be given lower rates based on how cautious you drive.