Is Root Legit Car Insurance? A Comprehensive Guide

Car insurance is one of the most important expenses for any driver. It protects you from financial losses in case of accidents, theft, or damage to your vehicle.

However, not all car insurance companies are created equal.

Some may offer better rates, coverage, or customer service than others.

One of the newest and most innovative car insurance companies in the market is Root Insurance.

But what is Root Insurance and is it legit? In this article, we will answer these questions and more, to help you decide if Root Insurance is right for you.

Is Root legit car insurance? Root Insurance uses an app to track your driving behavior and give you a customized quote.
Is Root legit car insurance? Root Insurance uses an app to track your driving behavior and give you a customized quote.

What Is Root Insurance?

Root Insurance is a digital car insurance company that uses smartphone technology to measure your driving behavior and offer you personalized rates.

Unlike traditional car insurance companies, Root Insurance does not base your premium on factors such as your age, gender, credit score, or location.

Instead, it uses an app that tracks how you drive, such as your speed, braking, turning, and mileage.

The better you drive, the lower your rate.

Root Insurance claims that it can save you up to 52% on your car insurance compared to other companies.

Is Root Legit Car Insurance?

Root Insurance is a legit car insurance company that is licensed and regulated by the state authorities where it operates.

Root Insurance has been in business since 2015 and has served over one million customers across the US.

Root Insurance has also received positive reviews from customers and experts, as well as awards for its innovation and customer satisfaction.

For example, Root Insurance has an A+ rating from the Better Business Bureau, a 4.5 out of 5 stars rating from Trustpilot, and a 2020 World Changing Ideas Award from Fast Company.

How Does Root Car Insurance Work?

Root Car Insurance works in three simple steps:

  1. Download the app. You can download the Root Insurance app for free from the App Store or Google Play. You will need to provide some basic information, such as your name, address, and vehicle details.
  2. Take a test drive. The app will ask you to take a test drive for a few weeks, during which it will monitor your driving behavior. You can drive as you normally would, but try to be safe and smooth. The app will give you feedback and tips on how to improve your driving.
  3. Get a quote. After the test drive, the app will give you a personalized quote based on your driving score. You can customize your coverage and deductible, and choose to pay monthly or annually. You can also add other drivers or vehicles to your policy.

Where Is Root Insurance Available?

Root Insurance operates in numerous U.S. states, excluding Washington, Idaho, Wyoming, South Dakota, Minnesota, Michigan, New York, New Jersey, Rhode Island, Massachusetts, Vermont, New Hampshire, and Maine.

Visit Root’s website to access a coverage map for more details.

How Does the Root Insurance Quote Process Work?

The Root Insurance quote process is fast and easy. You can get a quote in as little as two minutes after completing the test drive.

You can also get a quote before the test drive, but it will be based on the average driver in your area and may not reflect your actual driving behavior.

The quote process is done entirely through the app, so you don’t need to call or visit an agent.

You can also compare your quote with other car insurance companies and see how much you can save with Root Insurance.

Root Insurance Coverage

Root Insurance Coverage is the term used to describe the types of protection that Root Insurance offers for your car, yourself, and others in case of an accident or other damage. Root Insurance Coverage includes:

  • Liability coverage: This covers the damages and injuries you cause to others in an accident. It includes bodily injury liability and property damage liability. Root Insurance offers liability coverage up to $250,000 per person and $500,000 per accident.
  • Collision coverage: This covers the damages to your own car in an accident, regardless of who is at fault. Root Insurance offers collision coverage up to the actual cash value of your car.
  • Comprehensive coverage: This covers the damages to your car caused by events other than an accident, such as theft, fire, vandalism, or natural disasters. Root Insurance offers comprehensive coverage up to the actual cash value of your car.
  • Rental coverage: This covers the cost of renting a car while your car is being repaired after a covered claim. Root Insurance offers rental coverage up to $30 per day for up to 30 days.
  • Roadside assistance: This covers the cost of emergency services, such as towing, battery jump, lockout, flat tire, or fuel delivery. Root Insurance includes roadside assistance in every policy at no extra charge.

How Long Does a Root Insurance Test Drive Take?

The Root Insurance test drive takes two to four weeks on average, depending on how often and how far you drive.

The test drive is designed to capture your typical driving patterns, so you should drive as you normally would.

The app will notify you when your test drive is complete and when your quote is ready.

You can also check your progress and driving score anytime on the app.

Root Insurance Reviews

Root Insurance is a car insurance company that uses smartphone technology to measure your driving behavior and offer you personalized rates. However, Root Insurance may not be suitable for everyone. Here are some of the pros and cons of Root Insurance, based on the web search results:

Pros:

  • By refusing to cover risky drivers, Root can keep rates down for safe drivers.
  • You can get an SR-22 if you need one.
  • You can do just about anything from the app, such as filing a claim, managing your policy, or accessing roadside assistance.
  • Root has pledged to remove credit scores as a rating factor by 2025, which could benefit drivers with poor credit.
  • Roadside assistance is included on every policy at no extra charge.

Cons:

  • Root may decline coverage to many drivers who do not pass the test drive.
  • Root is not yet available in all states.
  • Root has far more than the expected number of complaints to state regulators, which may indicate poor customer service or claim handling.
  • Root has limited coverage options and discounts compared to other companies.
  • Root’s rates may change after the initial quote, depending on your driving behavior.

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