Are you seeking a reliable, affordable car insurance provider that won’t break the bank? Look no further than Clearcover Insurance. Founded in 2016, Clearcover is a digital insurance provider revolutionizing how drivers across the United States get coverage.
With customizable coverage options, fast and easy claims processing, and online policy management tools, Clearcover is an excellent choice for anyone who wants high-quality insurance coverage without the hassle.
In this review, we’ll look closer at Clearcover Insurance, examining its pros and cons, evaluating its legitimacy, and exploring how it works. So, let’s dive in and see what Clearcover has to offer!
Join us on a ride to uncover this wonder-insurance company. You may even learn a thing or two about their con. Stay with us!
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Table of contents
What is Clearcover Insurance?
Clearcover Insurance is an online insurance company founded in 2016. But, it started selling car insurance in February 2018. It ensures cars are online, but you can reach them on the phone. They do not use insurance agents.
The Response Indemnity of California and Lyndon Southern underwrites Clearcover’s policies.
Fortegra, a company with firm financial footing, owns both companies. This means you don’t need to worry about the company being unable to pay your claims. This is good for people who think Clearcover is not a legit company.
With Clearcover insurance, you get an average of 32% lower rate than other insurance companies. It is a trusted company mentioned by many top brands like Forbes, Inc., USA Today, etc. It will be one of Inc.’s best workplaces in 2023.
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Pros of Clearcover Insurance
Clearcover Insurance is a relatively new player in the insurance industry, offering a range of coverage options for drivers across the United States. This insurance provider operates entirely online and uses advanced technology to provide affordable, high-quality coverage to its policyholders. Below are some of the pros of Clearcover Insurance.
#1. Competitive Pricing
Clearcover offers some of the most competitive pricing in the industry. This is because they operate entirely online, significantly reducing overhead costs. As a result, Clearcover can pass on these savings to their policyholders in the form of lower premiums. Additionally, they offer various discounts that can help you save even more on your insurance.
#2. User-friendly website and app
Clearcover’s user-friendly website and app make it easy for customers to manage their policies, file claims, and get support. The website and app are easy to use, with clear, concise information that helps you understand your coverage and options.
#3. Fast claims processing
Clearcover has streamlined the claims process, making it easy for policyholders to file and get paid quickly. Their claims process is entirely online, meaning you can file a claim and get a response in minutes. Additionally, they have a team of experienced claims adjusters who work quickly to process claims and get policyholders back on the road.
#4. Comprehensive coverage options
Clearcover offers a variety of coverage options, including liability, collision, and comprehensive coverage. They also provide additional options like roadside assistance, rental car coverage, and more. This allows you to customize your policy to meet your needs and budget.
#5. Strong financial backing
Clearcover is backed by some of the world’s most well-respected and well-funded venture capital firms. This gives them the financial stability to weather economic downturns and ensures they can pay out claims to policyholders when they need it most.
#6. Excellent customer service
Clearcover prides itself on providing excellent customer service to its policyholders. They offer a range of support options, including online chat, phone support, and email support. Their customer service team is knowledgeable and friendly, and they work quickly to resolve any issues.
#7. Environmentally friendly
Clearcover is committed to reducing its carbon footprint and operating environmentally friendly. They have a paperless policy system, which reduces the amount of paper waste generated by traditional insurance providers. Additionally, they partner with organizations like the Arbor Day Foundation to plant trees and reduce carbon emissions.
Overall, Clearcover Insurance is an excellent choice for drivers who want affordable, high-quality coverage that is easy to manage and understand. With competitive pricing, fast claims processing, and excellent customer service, Clearcover quickly becomes a favorite among drivers nationwide.
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Cons of Clearcover Insurance
While Clearcover Insurance has many positive aspects, there are also some potential drawbacks to consider before choosing this provider. Below are some of the cons of Clearcover Insurance.
#1. Limited coverage options
Clearcover offers a relatively limited range of coverage options compared to other insurance providers. For example, they do not offer gap insurance, which can be important for drivers who have a loan on their vehicle. They also do not provide any coverage for personal belongings stolen or damaged while in the car.
#2. Limited availability
Clearcover is only available in some states, which may be a drawback for some potential customers. As of the time of writing, Clearcover is only available in 16 states, which means that drivers in other states will need to look for coverage elsewhere.
#3. Limited customer reviews
Clearcover is a relatively new player in the insurance industry, so there are limited customer reviews available online. While the existing studies are generally positive, the need for a substantial track record may concern some potential customers.
#4. Limited agent support
Clearcover operates entirely online, meaning they do not have any local agents available to provide in-person support. While their customer service team is available by phone, email, and online chat, some customers may prefer the option of meeting with an agent in person to discuss their policy and coverage options.
#5. Limited mobile app features
While Clearcover offers a mobile app, the features are relatively limited compared to other insurance providers. For example, the app does not provide the ability to view your policy documents or change your coverage options.
#6. Limited discounts
While Clearcover offers various discounts, including safe driver discounts and multi-car discounts, they offer fewer discounts than some other insurance providers. This may be a drawback for drivers looking to save money on their insurance premiums.
#7. Higher deductibles
Clearcover offers higher deductibles than other insurance providers, meaning that policyholders may need to pay more out of pocket in the event of an accident. While higher deductibles can help to lower insurance premiums, they can also be a significant financial burden for some drivers.
Overall, while Clearcover Insurance has many positive aspects, there are also some potential drawbacks to consider before choosing this provider. It is essential to carefully weigh the pros and cons and compare Clearcover to other insurance providers to determine the best option for your needs and budget.
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How Does Clearcover Insurance Work?
Clearcover Insurance is a digital insurance provider that offers coverage for drivers across the United States. Here’s a step-by-step guide on how Clearcover Insurance works:
Step 1: Get a quote
To start with Clearcover Insurance, visit their website and enter basic information about yourself, your vehicle, and your driving history. Clearcover will use this information to provide you with a quote for your insurance coverage.
Step 2: Customise your coverage
Clearcover offers a variety of coverage options, including liability, collision, and comprehensive coverage. You can customize your coverage to meet your individual needs and budget. If desired, you can also add additional coverage options, such as roadside assistance or rental car coverage.
Step 3: Sign up for coverage
Once you have selected your coverage options, you can sign up for coverage online. Clearcover will ask for additional information, such as your address and payment information, to finalize your policy.
Step 4: Manage your policy online
Once you have signed up for coverage, you can manage your policy entirely online. This includes paying your premiums, viewing policy documents, and filing claims.
Step 5: File a claim
If you need to file a claim, you can do so online through Clearcover’s website or mobile app. The claims process is streamlined and designed to be fast and easy. You must provide basic information about the accident, such as when and where it occurred, and upload any relevant photos or documentation.
Step 6: Get your car repaired
Once your claim is approved, Clearcover will work with you to get your car repaired as quickly as possible. They have a network of trusted repair shops that they work with, or you can choose your shop if desired.
Step 7: Pay your deductible
If you have chosen a policy with a deductible, you must pay this before Clearcover pays the rest of the claim.
Step 8: Renew your policy
When it is time to renew your policy, Clearcover will send you a reminder and provide you with a new quote for your coverage. You can choose to continue your policy or change your range if desired.
Clearcover Insurance is fast, easy, and affordable. With customizable coverage options, streamlined claims processing, and online management tools, Clearcover is an excellent choice for drivers who want high-quality insurance coverage with minimal hassle.
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Is Clearcover Insurance legit or a scam
Clearcover Insurance is a legitimate insurance company that operates in the United States. The company is headquartered in Chicago, Illinois, and was founded in 2016 to offer affordable, comprehensive insurance coverage to drivers nationwide.
One of the ways that Clearcover sets itself apart from traditional insurance providers is by leveraging technology to streamline the insurance process. The company uses artificial intelligence and machine learning algorithms to provide customized quotes and tailor coverage options to individual drivers. This allows Clearcover to offer competitive rates and minimize the administrative costs associated with traditional insurance providers.
Clearcover is also committed to transparency in its business practices. The company is licensed to provide insurance coverage in all 50 states. State insurance departments regulate it—well-known venture capital firms, including American Family Ventures and Cox Enterprises, back Clearcover.
Another essential factor to consider when evaluating the legitimacy of an insurance provider is their claims process. Clearcover offers a fast and easy claims process that you can complete online. The company has a network of trusted repair shops that they work with, or you can choose your shop if desired. Clearcover also provides regular updates on the status of your claim so you know what to expect throughout the process.
All the reviewers had nothing but praise for this insurance company. Here are the Clearcover reviews.
#6
“Thanks for making the car insurance business SO awesome! You doubled my coverage and lowered my monthly rate by over $100!” – Jessie Hammer.
#5
“So far, ClearCover has been the best insurance provider I’ve had in my entire experience of driving. The rates are incredible, the app is super smooth, and the communication has been awesome! Highly recommend!” – Gage Staruch.
#4
“I received absolutely amazing service when initially engaging with Clearcover for a quote. My rep was very friendly and so patient with me as I wanted to weigh all of my options as to what I comfortably felt was sufficient coverage, not just the basic required. I got the coverage I wanted at a price that was HALF of what I had been paying. So far, all is good with Clearcover!!!” – Cherie Covello.
#3
“Clearcover provided me with an amazing rate! I needed to get a copy of my insurance papers for my car loan, and it was super easy to get them on the app. LOVE Clearcover! Highly recommend!” – Nadia Vogt.
#2
“Absolutely world class, better plan and even better price. I strongly recommend to anyone with progressive, state farm, any of the larger companies. I was with progressive for years, Clearcover i got a better plan better coverage and better price“. – R. L.
#1
“When the accident happened, the first thing I thought was, ‘Can they be reliable?’ The Clearcover app was easy to use to submit my claim.” – Jorge Robles
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How to File For Claims
There are multiple ways to file a claim with Clearcover:
- Clearcover Mobile App – Android and iOS
- Over the phone: 855-444-1875 (9 am to 7 pm CST, Monday through Friday)
Clearcover Insurance Review: Legit or Scam?
If you are comfortable with an online insurance company, then choose Clearcover.
Are they legit or a scam? We will leave you to answer that after going through the reviews.
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Frequently Asked Questions
Sure, here are some frequently asked questions about Clearcover Insurance:
Clearcover Insurance is a digital insurance provider that offers coverage for drivers across the United States.
Clearcover Insurance is a legitimate company licensed to provide insurance in all 50 states.
Some of the pros of Clearcover Insurance include affordable rates, customizable coverage options, fast and easy claims processing, and online policy management tools.
Clearcover Insurance’s cons include limited coverage options (compared to some traditional insurance providers) and limited availability in some states.
To start with Clearcover Insurance, visit their website and provide basic information about yourself and your vehicle. Clearcover will use this information to provide you with a quote for your insurance coverage. Once you’ve selected your coverage options, you can sign up for coverage online. You can manage your policy, file claims online and get your car repaired through Clearcover’s network of trusted repair shops.
Clearcover offers several types of coverage, including liability, collision, and comprehensive coverage. You can customize your coverage to meet your individual needs and budget.
You can file a claim with Clearcover Insurance online through their website or mobile app. The claims process is fast and easy.
You can pay your premiums with Clearcover Insurance online through their website or mobile app.
Conclusion
Clearcover Insurance is your online car insurance company. It is normal to be skeptical since there is no physical office to go to for complaints. Therefore, if you are comfortable with an entirely online office, trust Clearcover. You will save lots of cash using their packages.
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References
- Clearcover Auto Insurance – https://www.nerdwallet.com/
- Clearcover car Insurance Review 2023 – https://www.forbes.com/
