Noblr is a new car insurance company that claims to offer personalized rates based on your driving habits.
But is Noblr insurance legit? How does it work, and what are the pros and cons of using it?
In this article, we will answer these questions and more, based on the latest information and reviews available in 2023.
How does Noblr work?
Noblr is a usage-based insurance company that uses a smartphone app to track your driving behavior and mileage.
Your monthly premium consists of two parts: a fixed rate and a variable rate.
The fixed rate is based on factors like your age, location, vehicle, and credit score.
The variable rate changes every month depending on how you drive.
The app measures your mileage, smoothness, focus, road choice, and time of day.
The better you drive, the lower your variable rate will be.
Is Noblr insurance legit?
Yes, Noblr is a legit insurance company that is licensed and regulated by the state authorities where it operates.
Noblr is also backed by USAA, a well-known and reputable insurance company that serves military members and their families.
The Noblr is currently available in 10 states: Arizona, Colorado, Illinois, Louisiana, Maryland, New Mexico, Ohio, Pennsylvania, Texas, and Virginia.
Noblr insurance review
Noblr Insurance is a relatively new car insurance company that offers usage-based insurance (UBI).
This means that your rates are based on how you drive, such as your mileage, time of day driving, and braking habits.
The more safely you drive, the lower your rates will be.
Here are some of the main pros and cons of Noblr:
- You can save money by driving safely and less frequently.
- You can see your driving score and potential savings in real-time on the app.
- You can get roadside assistance and a referral bonus with every policy.
- You can support a new and innovative insurance company that is backed by USAA.
- You may pay more if you have poor driving habits or drive a lot.
- You may have privacy and battery issues with the app tracking your location and motion.
- You may have limited coverage and discount options compared to other companies.
- You may have trouble with customer service, claims, and price changes.
Noblr car insurance coverage options
Noblr offers the basic car insurance coverage options that are required or optional in most states. These include:
- Bodily injury liability: Covers medical expenses for other people if you cause an accident.
- Property damage liability: Covers repair costs for other people’s property if you cause an accident.
- Uninsured/underinsured motorist: Covers your medical and repair costs if you are hit by a driver who has no or insufficient insurance.
- Medical payments: Covers your medical bills if you are injured in an accident, regardless of who is at fault. (Only available in some states)
- Personal injury protection: Covers your medical bills, lost wages, and other expenses if you are injured in an accident, regardless of who is at fault. (Only available in some states)
- Comprehensive: Covers your car if it is damaged by something other than a collision, such as theft, vandalism, fire, or natural disasters.
- Collision: Covers your car if it is damaged in a collision or rollover.
- Rental car: Covers the cost of a rental car if you need one due to a covered loss.
- Roadside assistance: Covers the cost of towing, jump-starting, tire changing, lockout service, and fuel delivery if you have a breakdown.
How much does auto insurance from Noblr cost?
The cost of auto insurance from Noblr varies depending on your fixed and variable rates.
The fixed rate is determined by your personal and vehicle information, while the variable rate is determined by your driving behavior and mileage.
According to Noblr, the average monthly cost for a policy is $171. However, this may not reflect your actual rate, as it depends on your individual factors and driving habits.
The best way to find out how much Noblr will cost you is to get a quote online or take a test drive with the app.
Noblr car insurance discounts
Noblr does not offer many car insurance discounts to its customers.
Instead, it offers Noblr Rewards, which are discounts on the variable part of your premium based on your driving habits.
However, Noblr does not provide much detail on how much you can save with Noblr Rewards.
The only other discounts that Noblr offers are:
- New customer discount: You get a discount when you first sign up with Noblr.
- Pay-in-full discount: You get a discount if you pay the fixed part of your premium in advance.
- Renewal discount: You get a discount if you renew your policy after a six-month term.
- Referral program: You get a $25 Amazon gift card for each new customer you refer to Noblr.
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What happens if I get into an accident with Noblr Insurance?
If you get into an accident with Noblr Insurance, you will need to file a claim through the Noblr app. Noblr will investigate the accident and determine who is at fault. If you are not at fault, Noblr will cover the cost of your repairs and other expenses. If you are at fault, you will be responsible for paying your deductible and any other costs that are not covered by your policy.
Can I cancel my Noblr Insurance policy?
Yes, you can cancel your Noblr Insurance policy at any time. However, you may be charged a cancellation fee.
What is Noblr Insurance’s customer service phone number?
Noblr Insurance’s customer service phone number is 1-855-438-7106. You can also contact them by email at [email protected]
Does Noblr Insurance have a mobile app?
Yes, Noblr Insurance has a mobile app that you can use to track your driving habits, view your rates, and file claims.
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