Types of Auto Insurance Offered by Root
Root provides standard auto insurance coverages, including:
- Liability Insurance: Covers bodily injury and property damage to others.
- Collision Coverage: Protects your vehicle in at-fault accidents.
- Comprehensive Coverage: Covers non-collision incidents like theft and vandalism.
- Medical Payments (MedPay) and PIP: Optional medical coverages, depending on state requirements.
- Uninsured/Underinsured Motorist Protection: Provides coverage if hit by an uninsured driver
Root’s policies are also customizable, allowing drivers to adjust coverage levels and add or remove options directly through the app. Roadside Assistance is included in most plans except in certain states, where it can be added as an extra.
Additional Features
Root Insurance offers a few unique features to enhance user experience:
- Snapshot-based Discounts: Root rewards focused driving behaviors like smooth braking and low-speed cornering.
- Lyft Credits on Holidays: Certain holidays include credits for Lyft rides, promoting safe alternatives to driving.
- Referral Rewards: Customers can earn rewards for referring friends.
Who It’s Best For
Root Insurance is an excellent choice for:
- Tech-Savvy Drivers: Those who appreciate app-based insurance management.
- Safe Drivers: People with solid driving records who can benefit from behavior-based discounts.
- Cost-Conscious Individuals: Drivers interested in reducing premiums through usage-based assessment rather than traditional factors like age or location.
Root may not be ideal for high-risk drivers or those looking for personalized, phone-based customer support, as its digital-only model is best suited for self-service users
How to Apply
Applying for Root is quick and fully digital:
- Download the Root App: Available on iOS and Android, the app guides you through setting up a profile and taking a "test drive" to evaluate your driving habits.
- Complete the Test Drive: Root monitors driving behavior for several weeks. Safe drivers are likely to receive lower quotes.
- Get a Quote and Customize: Users can purchase the policy and adjust coverages directly in the apponce the test drive is complete.
Filing a Claim
Filing a claim with Root is designed to be simple and efficient:
- In-App Filing: Claims can be filed within the app, often taking under three minutes to complete.
- Easy Documentation: The app guides users through capturing necessary photos and details, ensuring a quick start to the claims process.
- Fast Processing: Root aims to offer fast claims processing through its digital platform, though complex claims may require additional review.
Common Questions about Root Insurance
- How Does Root Determine Rates?
Root uses driving behavior to set rates, measure braking, and focus driving. Traditional factors such as age or ZIP code have less influence on pricing. - What Happens if I Drive Poorly During the Test Drive?
Drivers with lower test drive scores may receive higher quotes or be declined coverage. The model prioritizes safe drivers to maintain competitive rates. - What Should I Do If I Don’t Receive a Quote After the Test Drive?
Not all drivers qualify for a Root policy. If Root determines that a driver’s risk profile doesn’t align with their criteria, they may decline to offer a quote. Drivers can improve their driving habits and reapply them in the future or explore alternative insurance options if Root is not a fit. - Is Root Available in All States?
Root operates in about 30 states, including California, Texas, Ohio, and Pennsylvania. The company continues to expand, so it is recommended that you check availability on Root’s website or app to see if the service is available in your area. Availability can be checked in the app or on Root’s website. - Can I Get a Discount for Good Driving?
Safe driving can result in discounts, as Root bases its pricing on driver behavior. Additional savings come from Root's focused-driving incentives and the Snapshot program. - How Do I Add or Remove Drivers from My Policy?
Root allows policyholders to add or remove drivers easily through the app. New drivers can be invited to join, complete a test drive if necessary, and contribute to the policy. Adjusting drivers on the policy can impact rates, as adding high-risk drivers may increase premiums. - Does Root Offer Any Customer Support Beyond the App?
Most support is provided through the app, including filing claims and managing policies. Limited phone support is available but is generally used for specific inquiries
Contact Details
Root Insurance offers customer support primarily through its app:
- Website: joinroot.com
- App Support: Available on both iOS and Android for policy management, claims, and customer inquiries.
- Email and Limited Phone Support: Root provides email support and limited phone assistance for specific needs, but most services are intended to be self-managed in-app.
Customer Insights
Customer feedback highlights Root’s affordability and user-friendly app, which safe drivers particularly value. Positive reviews often focus on cost savings and ease of use, with the app providing direct access to quotes, policy management, and claims.
However, some users report dissatisfaction with Root’s selectivity in coverage and the digital-only support model, which may be limiting for those who prefer traditional customer service options.
Summary
Root Insurance is a good option for tech-savvy, safe drivers looking to lower premiums through behavior-based pricing. The fully digital model offers flexibility and customization but may not suit those who prefer traditional customer service. Root’s usage-based model, easy policy management, and real-time customization make it a strong choice for drivers who prioritize app-based interactions and potential cost savings.
Methodology
This review was created using information from the Root Insurance website, customer reviews on comparison sites, and direct interaction with the company’s customer service team. It was also written using AI.
