Root Car Insurance may be a new name in the car insurance industry but it managed to create a buzz of its own. This is because of its innovative approach in the otherwise paperwork-filled service. Instead of having to fills several forms and meeting personal agents, Root Car Insurance allows you to avail for car insurance through your smartphone (either iOS or Android).
How does it work?
Root Car Insurance simply requires you to install their application on your smartphone. It is available for both iOS and Android through the Apple App Store and Google Play Store. The app will then guide you to the registration process followed by a performance test that can last up 60 days.
What does it calculate?
Root Car Insurance calculates your performance based on what it can gather through the app. The factors that they will calculate will determine the final insurance rate that they will give. This is because those who tend to drive safer will most likely avoid having to use insurance.
The following are the factors that they rate:
- Brakes – Your brakes should be careful as sudden stops may cause your performance to be graded less.
- Hours of use – Your hours of driving are reviewed as certain driving hours can be dangerous for you. If it is a need for you to do so, safer driving must be done to still have a high score.
- Turns – You will need to be more cautious in making turns.
- Consistency of speed – The app grades you better if your speed of use is consistent and smooth.
They measure these factors through your phone. The phone’s GPS and motion sensors will determine your car’s speeds and turns. They also claim that the app is accurate enough as to know if you are either the driver or the passenger based on the motion that your app can detect.
Their website also claims that they do not sell your information to third-parties which is good news for those looking to protect their privacy.
Using the Root Car Insurance App
Root Car Insurance’s service centres on its smartphone app. Through this, users can register, have their test drive, and do everything in relation to the insurance. Through a simple and colourful interface, the user’s stats and necessary data are displayed in an easy and presentable manner.
The following are seen in their app:
- Remaining test drive days – Through a continuously filling half circle, every day you take before completing your test drive is shown to you. Once you finally finish it, a white flag certifying your completion of the test is shown.
- Test drive – The app will guide you throughout the test drive. It will be responsible for detecting your current location and quantifying the motions that it senses as you drive. You will first need to allow the app to use your GPS and motion sensors. Artificial intelligence will be responsible for calculating your final grade. They use data science to predict your future performance to see if you will be requiring a higher insurance rate. Their website claims that your data is safe with them and that they do not sell it to third parties.
- Choosing your coverage – Selecting the coverage of your insurance can also be done through the app. Included in the possible coverage are Bodily Injury, Property Damage, Collision Insurance, Comprehensive Insurance, Medical Payments, Personal Injury Protection, Uninsured and Underinsured Motorist Bodily Injury, Uninsured Motorist Property Damage, Rental Insurance, and Roadside Assistance.
- Roadside Assistance – In case you need instant roadside assistance, Root Car Insurance is available for request through the app. This assistance is available for every policy. This includes the need for a jump start or a tow truck. Their policy for this is that coverage is available for three incidents per vehicle per 6-month policy term. $100 is allotted for each incident.
As of writing, Root Car Insurance is available for the following states, Arizona, Arkansas, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, Nebraska, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Texas, and Utah. They are planning to expand to more states as their services grow.