But youre here because youre a Penny Hoarder and that means you like finding ways to save.
Thats whereRootcar insurance truly shines.
What Is Root Car Insurance?
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This concept is called usage-based insurance, or UBI.
So if youre a safe driver with a good driving history, youll save money with Root.
The company is a relatively new player in the insurance space, founded in March 2015.
If you bundle renters insurance with Root car insurance, you could save 5%.
Similarly, you’re able to bundle homeowners insurance with your Root auto policy for savings.
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Within the auto industry, there is no single definition for full coverage.
Rather, various states have differing requirements.
That said, full coverage typically entails liability, collision and comprehensive.
Root offers all three and then some.
At Root, it includes bodily injury and property damage coverage.
Did you know?
The more expensive/valuable your vehicle, the more collision coverage will cost.
Comprehensive
So what about damage to your car thatisntthe result of a collision?
Thats where Roots comprehensive coverage comes in.
Comprehensive covers any damage to your vehiclenotcaused by an accident, including acts of nature, theft and vandalism.
Again, having a newer, more expensive vehicle will mean a higher rate.
Usually, this comes at an extra cost.
Root makes calling for roadside assistance easy with the highly rated Root mobile app.
Uninsured Motorist
Root differentiates between uninsured motorist property damage coverage and uninsured and underinsured bodily injury coverage.
Root also offers medical payments (MedPay) coverage.
Many lenders require that you carry GAP, which can quickly rule Root out of consideration for many drivers.
Similarly, some companies have begun extending policy coverage to pets who are injured during an accident.
Root does not currently offer this.
What Makes Root Different from Other Car Insurance Companies?
to determine what they feel is an appropriate rate for you.
How to Get a Quote from Root
The quote process for Root is quite elaborate by design.
To get a quote, download the Root app to your smartphone and enable GPS tracking.
Root calls this its Test Drive period.
Since Root focuses on this driving data, its not a good fit for aggressive drivers.
In fact, Root intends to stop checking credit scores as part of its pricing model by 2025.
In fact, Root says its claim process takes just three minutes in the app.
Paying for Root
The Root app is also how youll make payments.
Just a few thumb taps and youre set.
Note:SR-22s arent a policy.
Where Is Root Available?
Feeling super jazzed to ditch the gecko and switch to Root?
Unfortunately, Root car insurance is not offered in every state.
(Roots renters and homeowners insurance policies are available in even fewer states.)
Even so, your driving record is the number one factor in calculating your rate.
Root Customer Service
You get what you pay for at Root.
How do we know the customer service is so bad?
Pros and Cons
So overall, is Root Insurance a good provider for an auto policy?
You should not consider Root if your lender requires GAP insurance.
Renters, however, are in luck.
You dont need a Root auto insurance policy to get the renters insurance.
it’s possible for you to choose between personal property coverage and personal liability coverage.
Probably not as good as youd like.
It always seems like an uphill battle to build (and keep) a decent amount in savings.
But what if your car breaks down, or you have a sudden medical bill?
Ask one of these companies to help…
