Root insurance is an insutech startup which operates in car insurance space. They are founded on the belief that people who drive well are less likely to get into accidents, and that those people should pay less for insurance.
How Root Insurance works
Root car insurance determines your premium based on your driving habits. They promise a steep discount if you allow them to track your movements via app.
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Download app
As first step you have to download root insurance app.
Root Insurance Test Drive
Next you take test drive and app will determine your premium based on your driving. It will using factors like braking, turning, whether you are driving during safe time frames (like not driving super late) and consistency.
How long does the root test drive take?
The test drive length is usually about 3 weeks, but it depends on how often and how much you drive. (For example, if you only drive a few miles a day, the test drive could take longer). Your app will tell you how much test drive is left.
Root Car insurance reviews
Is root insurance any good?
We analyzed reviews available online and some of the research points are mentioned below.
Low Rate : Users have mentioned that they received low insurance rates compared to their earlier providers.
Ease of Use: App works behind the scene and you don’t have to install a new device to your car. Most of the transactions from quote to policy can be done via app.
Privacy Concerns: Some users are concerned about the fact that app is monitoring them 24/7.
Long term impact: Your premium may go up if your driving habit changes. Some users have indicated that their premium went up after the initial period.
Customer Service: Root car insurance can improve on their customer service. People have indicated delay in response and slow service in general.
Roadside Assistance: They provide roadside assistance but user has to pay for service themselves and then are refunded upto $100 by submitting receipts.
Source: https://clearsurance.com/insurance-reviews/root-insurance-company-59d3a6abd850aa5ef330e68f
How do I claim root insurance?
For claims you can use app which is available 24/7. You can also reach out to their customer service for 24/7 support
Does Root insurance cover rental cars?
You can get detailed information about rental coverage in below mentioned article
Is root insurance cheaper than geico?
It depends from person to person and you should compare both options to determine what is best. Since root car insurance is based on driving habits it may be cheaper for good drivers and not so cheap for people with not so good driving habits. In below link you can find suggestions from users on reddit
https://www.reddit.com/r/personalfinance/comments/7tb4em/root_car_insurance_how_legit_is_it/
How is Root Insurance Generating it’s Traffic
We used similarweb.com to analyze their traffic and findings are mentioned below.
Root car insurance is getting around 500K visitors in the last 6 months which is a healthy traffic.
Most of their traffic is coming via search. Out of this almost 92% traffic is from organic search which suggests they have a good content marketing strategy.
Among social media channels “Youtube” is their biggest traffic driver followed by “Linkedin”.
Source: Similarweb.com
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Conclusion
This is a good concept where drivers are paying based on their driving habits but privacy remains a concern. Many people will not like to be tracked but it is something you trade for a cheaper insurance
Hopefully, this article was useful to you and helped in learning something new. Please share it with anyone who may benefit from it.
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