Root Insurance Review: Is it a Good Option for You?

Root Insurance is a relatively new player in the car insurance industry, having been founded in 2015. However, it has quickly gained popularity among drivers, particularly among those who are tech-savvy and price-conscious. Root Insurance claims to offer car insurance rates that are up to 52% lower than traditional car insurance policies.

What is Root Insurance?

Root Insurance is a car insurance company that uses technology to determine car insurance rates for drivers. Instead of using traditional methods such as age, gender, and credit score, Root Insurance uses a mobile app to collect data on how you drive. The app tracks your speed, acceleration, braking, and turns, among other things.

Based on the data collected by the app, Root Insurance calculates your driving score. The better your driving score, the lower your car insurance rate will be. Root Insurance claims that this method is fairer because it rewards safe and responsible drivers rather than penalizing them for factors such as their age or credit score.

How Does Root Insurance Work?

Getting car insurance with Root Insurance is a straightforward process. First, you need to download the Root Insurance app from the App Store or Google Play. You will then be asked to sign up and create a profile.

Once you have created your profile, you will be asked to take a test drive. The app will track your driving habits during the test drive and calculate your driving score. Based on your driving score, Root Insurance will offer you a car insurance rate. If you are happy with the rate, you can purchase your insurance policy right from the app.

How is Root Insurance Different from Other Car Insurance Companies?

Root Insurance is different from traditional car insurance companies in several ways. Firstly, Root Insurance uses technology to determine car insurance rates, whereas traditional car insurance companies use factors such as age, gender, and credit score.

Secondly, Root Insurance offers car insurance rates that are up to 52% lower than traditional car insurance rates. This is because Root Insurance only charges you for the miles you actually drive, rather than estimating how many miles you will drive over the course of a year.

Finally, Root Insurance offers a mobile app that makes it easy to manage your policy. You can use the app to pay your bill, make changes to your policy, and file a claim.

Root Insurance Pros and Cons

Pros

Cons

One of the main downsides of Root Insurance is that it is not available in all states. As of 2021, Root Insurance is only available in 30 states. If you live in a state where Root Insurance is not available, you will need to look for another car insurance company.

Another downside of Root Insurance is that it only offers car insurance. If you need other types of insurance such as homeowners insurance or life insurance, you will need to look for another insurance company.

Finally, in order to use Root Insurance, you need to have a smartphone. If you do not have a smartphone, you will not be able to use Root Insurance.

FAQ

How does Root Insurance determine my car insurance rate?

Root Insurance uses a mobile app to collect data on how you drive. The app tracks your speed, acceleration, braking, and turns, among other things. Based on the data collected by the app, Root Insurance calculates your driving score. The better your driving score, the lower your car insurance rate will be.

How can I pay my Root Insurance bill?

You can pay your Root Insurance bill right from the mobile app. Simply log in to the app and click on the “Payments” tab. From there, you can make a payment using your preferred payment method.

How do I file a claim with Root Insurance?

You can file a claim with Root Insurance right from the mobile app. Simply log in to the app and click on the “Claims” tab. From there, you can file a claim and track its status.

Is Root Insurance available in my state?

Root Insurance is currently available in 30 states. To see if Root Insurance is available in your state, visit their website or download the mobile app.

Can I use Root Insurance if I don’t have a smartphone?

No. In order to use Root Insurance, you need to have a smartphone. The mobile app is used to track your driving habits and manage your policy.

Conclusion

Root Insurance is a great option for drivers who are tech-savvy and price-conscious. Its use of technology to determine car insurance rates is innovative and fair, and its mobile app makes it easy to manage your policy. However, Root Insurance is not available in all states and only offers car insurance, which may be a deal-breaker for some drivers.