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Root Auto Insurance

in Auto Insurance from Root Insurance

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Root Auto Insurance

Unaffiliated

in Auto Insurance from Root Insurance

SuperMoney Net Recommendation Score 0

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating Mostly recommended
Financial Strength Rating N/A
Number of Reviews 6

Root Auto Insurance Review

Root Insurance is a car insurance carrier based in Columbus, OH. The insurance company was founded in 2015 and offers car insurance in 11 states in the USA.

If you're considering whether Root car insurance is a good option for you, read on.

Root car insurance Pros & Cons
Pros Cons
  • 24/7 Phone availability
  • Digital claims reporting
  • Emergency roadside assistance
  • Rental car coverage
  • No free policy cancellation
  • No locally available agents
  • No accident forgiveness
  • No ridesharing coverage
  • No transport trailer coverage
  • No travel expenses or trip interruption coverage
  • Not many policy discounts available
  • Does not offer many vehicle equipment discounts
Root car insurance FAQ

What types of car insurance coverage options does Root car insurance offer?

Although we often talk about car insurance in the singular, it really includes several types of coverage options. Root car insurance offers the following types of car insurance coverage options:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 
  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
  • Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.
  • Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.
  • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.
  •  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.
  • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most insurance policies will also cover funeral expenses.
  • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

Root car insurance customers can also add the following riders or endorsements to their insurance policies:

  • Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
  • Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does Root car insurance have roadside assistance?

Emergency Roadside Service available. Yes, Root Insurance offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does Root car insurance offer ridesharing insurance?

No, Root car insurance does not offer ridesharing coverage as a rider or endorsement.

What benefits does Root car insurance offer?

Root car insurance offers the following benefits to its customers:

  • 24/7 Phone Availability: Customer service is staffed around the clock.
  • Digital Claims Reporting: Never fax or mail a document again.

What insurance discounts does Root car insurance offer?

When you ask for an insurance quote with Root car insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.
  • Alternative Fuel / Hybrid: For some reason, possibly because they drive fewer miles, people who own hybrids or alternative fuel vehicles pose a lower insurance risk. If your car is green, make sure you earn the rewards.
  • Telematics Device (Usage-Based Insurance): You can qualify for an insurance discount if you agree to install a sensor that records your driving habits.

Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with Root car insurance.

How does Root Insurance calculate insurance rates?

Car insurance companies guard their risk-assessment algorithms as a trade secret, and Root Insurance is no exception. However, you can be confident that Root car insurance will take into consideration your driving record, age, gender, marital status, and address.

Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.

Does Root car insurance use your credit score?

It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.

  1. If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
  2. There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.

How can I get a Root car insurance insurance quote

  • Visit the Root Insurance website.
  • Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
  • Check the information is accurate and submit your application.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Root Auto Insurance

Drive with the Root app. While you drive, we gather and analyze data from your smartphone’s sensors. After a few weeks, you can get a car insurance quote based primarily on how you drive. Our mission to unbreak the car insurance industry means identifying the things that are broken, and committing to creating systemic change. Here are just some of the ways that we’re taking action to revolutionize insurance.

Contact

About Root Auto Insurance

Availability

  Available in 11 states
  • Arizona
  • Illinois
  • Indiana
  • Kentucky
  • Louisiana
  • Mississippi
  • Ohio
  • Oklahoma
  • Pennsylvania
  • Texas
  • Utah

Feature Breakdown

Policy Discounts Claims Free
Vehicle and Equipment Discounts
  • Alternative Fuel / Hybrid
  • Telematics Device (UBI)
Carrier Features
  • 24/7 Phone Availability
  • Digital Claims Reporting

Root Auto Insurance Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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