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Root Insurance Review

Matt Avatar By: Matt | Last updated July 22, 2020

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The Root car insurance company was founded in 2015 and since then they are dedicated to honoring good driving behavior by ensuring the most favorable car insurance quotes. Their car insurance is available in 25 countries nationwide and their cost-effective policy can help you save up to 52% on your insurance. The company offers a whole new concept of car insurance and valuation in an effort to provide its users with the best conditions and reduce the time spent on paperwork every time you purchase car insurance.

To get the best car insurance conditions you need to meet the requirements of safe driving because the company rewards drivers with good driving skills and behavior.

Where is the Root Insurance available?

Since 2015, the company has been widely recognized in many states nationwide and they are still maintaining very good customer reviews. Root car insurance is not available in all states nationwide, they offer their services in 25 states: Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia.

The new way of getting the car insurance quote

Root car insurance has a completely new and modern way of ensuring its drivers with the most attractive quotes. The company developed a mobile app that you can download through the Google Play Store or Apple App Store. This means that the app is available for both Android and iOS users.

Root App and how it works

Root application is presumably the coolest component offered by one vehicle insurance agency. It is anything but difficult to utilize and compact since you can download it on your cell phone, and it utilizes the most recent innovation for figuring the driver's behavior. On their official site, you can enter your cell phone, and they will send you the application. If you want to use their app you need to allow it to use your GPS to get the driving results. When you download the app and activate it, you will start with the quote process. There are two offered methods for your final insurance quote. There are three ways of getting the car insurance quote:

  1. You can be insured from day one with a 60-day rate while you’re using the Root app test drive.
  2. You can use test drive provided from the Root app and after 30 days you can get the quote based on your driving behavior.
  3. You can download the app, use the test drive for half a month, and decide after 30 days whether you want to accept the rate or to cancel it with just one click.

The Root application uses your GPS to quantify your driving rate, turn speed, safe hours driving, and driving consistency. It is best to use this application for half a month for the best outcomes in the quote procedure. Root app can also improve your driving skills and save many lives.

Within the Root app you can easily manage your car insurance, file a claim, and change the details in your policy without going through the messy paperwork.

Coverage options                                  

Root car insurance offers basic coverage insurance and the coverage that will include all types of coverage combining Liability, Collision, and Comprehensive.

Liability coverage

This type of coverage includes insurance for both bodily injury and property damage. Bodily injury insurance pays for medical bills for another car driver when you are responsible for the accident and it doesn’t cover you or your family members. This type of coverage is required by law. The Liability coverage price will depend on the limit you choose. If you choose a higher limit, the Root insurance will pay more for the damage caused by your fault. In the same manner, if the damage exceeds the limit you have in your car insurance, you will have to pay out of your pocket.

Property damage works the same way: it will cover the damage on someone else’s vehicle if the accident was caused by your fault, it doesn’t cover the damage on your vehicle and you get to decide the coverage limit.

Car coverage

This type of coverage will ensure your vehicle in case of an accident. It covers roadside assistance, collision damage, comprehensive, rental, and uninsured motorist property damage.

Roadside assistance is included in every policy and it covers up to three incidents per vehicle in a 6-month policy contract. This service is available through its Root app and the company also offers email receipts reimbursement.

Collision damage coverage will cover your costs in the case of an accident or a replacement car. This type of coverage is also available for more expensive or newer cars. In the case, the other car that is responsible for the accident is not insured and their liability coverage can’t cover your damage, collision damage will cover your costs.

Comprehensive coverage will cover anything other than the damage caused by an accident. This coverage can cover small or bigger bills if, for example, your car is stolen. It can also cover the damage caused by flood, fire, vandalism, and more.

Rental coverage is also included in case you need to rent another vehicle while yours is being repaired. Root car insurance offers two options for their users: car rental or Lyft reimbursement. The company will launch and send to your email a free Lyft rides on some of the most important holidays, like New Year’s Eve, St. Patrick’s Day, Independence Day. If you have Root car insurance, they will email you will all the details and you will have a free ride if you don’t want to use your car during these days.

Uninsured motorist property damage will cover the repair of your vehicle in the case it was caused by uninsured drivers. This type of coverage usually has low or no deductible comparing to the Collision coverage.

Medical coverage

Medical coverage will cover medical bills for you and your family members in the case of car accident. It includes Personal injury protection, Medical payments, and Uninsured or underinsured motorist bodily injury. Medical payments will be covered if you are injured in public transportation, if you were driving someone else’s car, or simply riding a bike.

Root car insurance offers you to choose one of their coverage plans or to expand your policy by choosing full coverage that will include all the above-mentioned coverage plans: Liability, Collision, and Medical coverage.

SR-22 Insurance

SR-22 insurance is auto liability protection that is lawfully required protection closed while registering a vehicle. This protection covers the obligation of the owner or client when using a vehicle does harm to other users in traffic in the case of death, individual injury, harm to wellbeing, decimation, or harm to property, with the exception of the harm to things got for transportation. The organization will finish out this administrative work and send it to the state. It would take some time until it is completely noted. However, the SR-22 liability protection is substantial and required by law.

Conclusion

Root car insurance is best for those who want to cut their costs by proving and maintaining their good driving skills. Their test drive available on the Root app is transparent, mobile and it is a multiple platform where you can easily change your type of insurance, file a claim within 5 minutes, quickly use the roadside assistance option, find out the cost per state for your vehicle, and many more. This modern technique will save you a lot of time on paperwork and car insurance quotes. The company has an A+ BBB rating that confirms their liability, customer support, transparency and law agreement.

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