Smart Score
70
Industry Average: 7.7
Industry Average: 8
Industry Average: 7
Root Insurance offers affordable car insurance at low rates to customers with a demonstrated record of safe driving habits. The company is upfront that many drivers are refused a quote - by eliminating risky drivers from its customer base, Root can charge lower premiums overall. To get an auto insurance quote from Root, you first take a “Test Drive,” where you let the company’s app track your driving behavior for two to three weeks. The better you drive, the better the quote. The system works by gathering information about your driving habits - telematics, where sensors in your phone measure your speed, but also when and how long you drive, and whether you make sudden stops and starts along the way. Tech-savvy customers will like that you can do just about anything from the app.
Lines of Business:
When it comes to their auto, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Root
Available Option | What it means | |
---|---|---|
Accident Forgiveness | Protects your driving record from being affected by the insurance company's rating system for an at-fault accident, thus preventing your insurance premium from going up due to this type of accident. | |
Airbag Replacement Coverage | Covers your replacement airbags and labor should they need replacement | |
Antique or Collector Car Insurance | Special insurance for antique and collectors cars. | |
Better Car Replacement | Policy that will replace your car if it is a total loss with a car one model year newer and with 15,000 fewer miles. | |
Build Your Own Plan | Customize your insurance policy with a build your own plan policy. | |
Child Safety Seat Replacement | A policy that pays for a new child safety seat if yours is damaged in an accident. | |
Comprehensive Claim Forgiveness | Protects your driving record from being affected by the insurance company's rating system for a comprehensive claim on your history, thus preventing your insurance premium from going up due to this type of accident. |
While all companies offer a range of auto insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.
What does this mean?
Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Root has below in order to help determine which ones may fit your profile (though keep in mind that they can vary by state).
Available Option | Discount Data | What it means |
---|---|---|
Good Driver | Varies | Typically relates to a driver's history (or lack thereof) of accidents and violations. Often has a 3 to 5 year lookback period. |
Paid in Full | Varies | Because of the time value of money, it's better to receive a lump sum now than the same amount in the future. Thus, savings can be offered to drivers who provide the full payment now versus those who pay over the course of the policy. |
Defensive Driver | Varies | Most often only applies to older drivers who take a certified defensive driving course. |
How does Root compare to other insurance companies? Click the following links below to compare Root to other top insurance companies.