Clearcover Insurance Review: A Comprehensive Overview

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Are you in the market for an affordable and reliable car insurance policy? Look no further than Clearcover, a digital insurance company that offers policies at a fraction of the cost of traditional providers. In this review, we’ll take a deep dive into Clearcover insurance, exploring everything from their policy options to their customer service.

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Clearcover Overview

Founded in 2016, Clearcover is a Chicago-based insurtech that aims to revolutionize the car insurance industry. They offer a variety of policies that are tailored to the individual needs of their customers, with a particular focus on affordability and convenience.

One of the unique features of Clearcover is that they’re entirely digital. This means that you can buy and manage your policy entirely online, without ever having to talk to an agent over the phone. This streamlined approach not only saves time, but it also allows Clearcover to offer policies at a lower cost than their competitors.

Clearcover Policy Options

Clearcover offers a range of policy options to suit different budgets and coverage needs. Below, we’ll outline some of their most popular policy types.

Policy Type
Coverage Details
Price Range
Bodily Injury Liability
Covers costs associated with injuries or deaths that you are deemed responsible for in an accident
$25,000 – $250,000
Property Damage Liability
Covers costs associated with damage to other people’s property that you are deemed responsible for in an accident
$25,000 – $250,000
Collision Coverage
Covers costs associated with damage to your own vehicle in an accident
$500 – $2,500 deductible
Comprehensive Coverage
Covers costs associated with non-collision related incidents, such as theft, vandalism, or natural disasters
$500 – $2,500 deductible

It’s important to note that Clearcover policies are fully customizable, meaning you can select the coverage amounts that work best for you. Additionally, Clearcover offers several other types of coverage, including medical payments coverage, personal injury protection, and uninsured motorist coverage.

Clearcover Discounts

One of the biggest advantages of Clearcover policies is their affordability. However, if you’re looking to save even more on your policy, Clearcover offers several different discounts.

For example, if you have a good driving record with no accidents or tickets, you can qualify for the Good Driver discount. Additionally, if you insure multiple cars on one policy or bundle your car insurance with a renter’s policy, you can receive a Multi-Car or Multi-Policy discount.

Clearcover Customer Service

One of the biggest concerns people have about switching to a digital insurance company is the lack of customer service. However, with Clearcover, customer service is a top priority.

Clearcover offers 24/7 customer service via phone, email, or in-app chat. They also have a comprehensive online help center that can answer many common questions. Additionally, Clearcover has a 4.6-star rating on Trustpilot, indicating that customers are generally satisfied with their experience.

Clearcover FAQ

Below are answers to some frequently asked questions about Clearcover insurance.

How does Clearcover save me money?

Clearcover saves you money by eliminating the overhead costs associated with traditional insurance companies, such as brick-and-mortar locations and commissioned agents. This allows them to offer policies at a lower cost than their competitors.

Is Clearcover legit?

Yes, Clearcover is a legitimate insurance company. They are licensed to sell car insurance in 13 states and have an A- rating from A.M. Best, which indicates that they have a stable financial outlook.

Can I manage my Clearcover policy online?

Yes, Clearcover policies are entirely digital, meaning you can manage your policy online through their website or mobile app.

What should I do if I get in an accident?

If you get in an accident, you should first make sure that everyone involved is safe and call the police if necessary. Then, report the accident to Clearcover as soon as possible by calling their claims department or logging into your account online. Clearcover will guide you through the claims process and help you get back on the road as soon as possible.

How do I cancel my Clearcover policy?

To cancel your Clearcover policy, you can log into your account online and follow the prompts to cancel your coverage. Keep in mind that you may be subject to a cancellation fee if you cancel before your policy period is up.

Conclusion

Overall, Clearcover is an excellent choice for anyone looking for affordable car insurance with a modern and streamlined approach. With customizable policies, excellent customer service, and a range of discounts, Clearcover is a strong contender in the insurtech space.

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