Call Root Insurance: An Innovative Online Car Insurer

Root insurance is a relatively new player in the auto insurance industry since it was founded in 2015, but it has quickly made a name for itself due to its innovative approach to providing insurance. Root does things differently by using technology to assess customers’ driving behaviors to personalize costs for insurance rates. Root has no physical stores and exclusively offers insurance policies online or through smartphones, which saves customers time and money. If you’re looking for car insurance with a difference, here is everything you need to know about Call Root Insurance.

How Root Insurance Works

Root Insurance personalizes insurance policies to individual driving behavior. The company provides policyholders with an app that records driving habits like speed, braking, and turns. The app collects data over a set period, and Root uses it to determine the driver’s risk on the road. Using this information, Root calculates the policyholder’s premium, which they can see on the app. Safe drivers get lower premiums, and those that are high-risk drivers pay more.

Root differs from traditional car insurance companies in that they do not use credit scores, home addresses, or demographics to calculate premiums. Instead, they focus on every customer’s driving behaviors, which means higher-risk drivers pay more, but low-risk drivers pay less.

One unique aspect of Root is its claim process. Policyholders submit claims through the app, and then Root handles them with the help of machine learning. Claims processing is fast, and the company boasts that 90% of claims are settled within 48 hours. Plus, policyholders can track their claims through the app, making the process smooth and stress-free.

Benefits of Root Insurance

Root offers several advantages over traditional car insurance providers. Here are some benefits:

Personalized Rates

Root calculates insurance rates based on individual driving behavior, which means that every customer’s policy has a unique cost. This ensures that safe drivers pay less while high-risk drivers pay more. The app allows policyholders to see how their driving habits impact their insurance costs, and they can adjust their habits accordingly to reap the benefits.

Cost-Effective

Root’s online-only model means the company saves on operational costs, which translates into lower insurance rates for policyholders. The company’s claims process is also streamlined, which helps reduce costs, and the savings are passed down to customers as lower premiums.

User-Friendly

The Root app is user-friendly and straightforward to use. Policyholders can manage their accounts, view their insurance coverage, and file claims through the app. The app also provides feedback to drivers to help them improve their driving habits and save money on insurance costs.

No Hidden Fees

Root has no hidden fees, and its policies are transparent. The app shows the policyholder how much they’ll pay in insurance costs, and there are no surprises. Root also provides 24/7 customer service support, which means that policyholders can get help whenever they need it.

FAQs about Root Insurance

Here are some frequently asked questions about Root Insurance:

What states is Root Insurance available in?

Root is currently available in 30 states across the U.S., and the company is expanding. Check the Root website to see if it is available in your state.

How does Root determine my premium?

Root calculates premiums based on individual driving behavior. Policyholders record their driving habits using the Root app, and the company uses this data to determine the driver’s risk profile. Safe drivers pay less, and high-risk drivers pay more.

How can I file a claim with Root?

Policyholders can file claims through the Root app. They take pictures of any damage to their vehicle, and the app guides them through the rest of the process. Root uses machine learning to handle claims quickly and efficiently, and policyholders can track the progress of their claims through the app.

Is Root’s coverage the same as traditional car insurance providers?

Root offers similar coverage to other car insurance providers, but the company’s rates are more personalized. Root’s policies include collision, comprehensive, liability, and uninsured motorist coverage.

How do I cancel my Root policy?

To cancel your Root policy, contact their customer service team through the app or by phone. A representative will guide you through the cancellation process, which may involve completing a form or submitting a request through the app.

Conclusion

Root Insurance is an innovative auto insurer that uses technology to provide personalized rates based on individual driving behavior. Root’s online-only model means lower operational costs, which translates into lower insurance rates for policyholders. The company’s streamlined claims process is fast and efficient, and its app provides users with 24/7 customer service support. If you’re looking for a car insurance provider that does things differently, consider calling Root Insurance today.