How Legit Is Root Insurance? A Review of How It Works, Its Products, Benefits & Drawbacks

How Legit Is Root Insurance?

If you’re looking for a car insurance company that claims to offer lower rates based on how you drive, you might have heard of Root Insurance.

An image to Illustrate: Root insurance
Learn how Root Insurance works, what are its pros and cons, and how legit it is in this article. Root Insurance is a car insurance company that uses your driving behaviour to set your rates/PHOTO COURTESY: Facebook

Root is a relatively new player in the auto insurance market, founded in 2015 and based in Ohio.

It uses a mobile app to track your driving behaviour and determine your premium.

The idea is that safer drivers should pay less for car insurance than riskier drivers.

But how legit is Root Insurance? Is it worth switching to Root for your car insurance needs?

In this article, I’ll give you an honest and comprehensive review of Root Insurance, based on the latest information in 2023.

What is Root Insurance?

Root Insurance is a car insurance company that uses telematics technology to measure your driving habits and set your rates accordingly.

Telematics is a method of collecting and transmitting data from your vehicle, such as speed, braking, acceleration, and mileage.

Root uses a mobile app to monitor your driving behaviour for a few weeks, during a period called the Test Drive.

After the Test Drive, Root will give you a quote based on how well you drove.

The better you drive, the lower your quote will be.

Root claims that it can save you up to 52% on your car insurance compared to traditional insurers.

How does Root Insurance work?

To get a quote from Root Insurance, you need to download the Root app on your smartphone and sign up with some basic information, such as your name, address, and vehicle details.

Then, you need to take the Test Drive, which is a trial period where Root tracks your driving behaviour using your phone’s GPS and other sensors.

The Test Drive can last from two to four weeks, depending on how often you drive.

During the Test Drive, Root will score your driving on four factors:

  • smooth braking
  • gentle turning
  • safe hours
  • consistent attention

Root will also consider other factors, such as your age, vehicle type, and location, but your driving score will be the main determinant of your quote.

After the Test Drive, Root will give you a final quote and an offer to buy a policy.

You can customize your coverage options and deductibles, and choose to pay monthly or annually.

You can also add other drivers and vehicles to your policy, as long as they also take the Test Drive.

Root offers the same types of coverage as other car insurance companies, such as liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, personal injury protection, and rental car reimbursement.

Root also includes roadside assistance with every policy, which covers towing, battery jump, flat tire, fuel delivery, lockout, and winch services.

If you decide to buy a policy from Root, you can manage your account and file claims through the app.

You can also access your insurance card, view your policy details, make payments, and contact customer service through the app.

If you need to file a claim, you can do so by taking photos of the damage and answering some questions on the app.

Root will then assign an adjuster to your claim and keep you updated on the status and settlement.

Root claims that it can process claims faster and easier than other insurers, thanks to its app-based system.

What are the pros and cons of Root Insurance?

Root Insurance has some advantages and disadvantages that you should consider before switching to it.

Here are some of the pros and cons of Root Insurance:

Pros

  1. By refusing to cover risky drivers, Root can keep rates down for safe drivers. Root claims that it can save you up to 52% on your car insurance compared to traditional insurers.
  2. Root uses a mobile app to track your driving behaviour and set your rates accordingly. This means that you don’t have to worry about credit scores, driving records, or other factors that may affect your rates with other insurers. Root also promises to eliminate credit scores from its pricing model by 2025
  3. Root includes roadside assistance with every policy, which covers towing, battery jump, flat tire, fuel delivery, lockout, and winch services. This can save you money and hassle if you ever need help on the road.
  4. Root allows you to manage your policy and claims on the app, which can be convenient and easy. You can also access your insurance card, view your policy details, make payments, and contact customer service through the app.

Cons

  1. Root is more likely to decline coverage than other insurers, especially if you score poorly on the Test Drive. Root only accepts drivers who meet its standards of safety and responsibility, which may exclude some drivers who need insurance. Root is also not available in all states, so you may not be able to get a quote from Root depending on where you live.
  2. Root has far more than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. Root’s complaint ratio is 2.24, which is more than twice the industry median of 1.00. This means that Root has received more complaints than the average insurer of its size. Most of the complaints are about delays in claims handling, denial of claims, and unsatisfactory settlements.

Conclusion

Root Insurance is a car insurance company that uses a mobile app to track your driving behaviour and set your rates accordingly.

Root claims that it can save you money on your car insurance if you are a safe driver, but it also has some drawbacks that you should be aware of.

It is more likely to decline coverage than other insurers, has a high number of complaints, and does not offer some of the coverage options and discounts that other insurers do.

Root may be worth trying if you are a good driver who is comfortable with managing your policy and claims online, but it may not be the best option for everyone.

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