Clearcover Insurance Review In 2022

Cars are one of human beings’ priced possessions and we can’t do without them. That’s why they need to be taken care of. You have come to the end of your search for a car insurance company because the clear cover has got you covered

Truly, it has lived up to its name. Insurance coverage options at Clearcover are as clear as day. It’s is not only efficient but also easy to understand. Let customer review share with you all you need to know.

 Although, it is not the most affordable option. Clearcover prides itself on a 93% customer satisfaction rating and being able to pay up claims in a day or two.

  What is Clearcover Insurance

 Clearcover is a startup auto insurance coverage company that offers its services in over 15 states including California, Texas, and Illinois. It was established in 2016, by Kyle nakatsuji and Derek Brigham.

The clear cover is awesome for customers who are looking for a digital-first auto insurance company.

The company provides user-friendly online features and it is capable of issuing payments for an eligible claim in 3 minutes.

Is Clearcover Insurance Legit Or A Scam

 Clearcover currently functions in 16 States and its policies are supported by highly rated provider Fortegra and its subsidiaries Lyndon Southern and Response Indemnity Company of California.

The cover is good for modern customers who know how to manipulate their smartphones because the clear cover depends on technology for most of its work and it can be a terrible idea for customers who prefer a face-to-face or block and brick insurance company.

Clear spends less or staffing marketing and physical infrastructure thereby has enough resources to provide more affordable and efficient insurance.

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Clearcover Insurance Review-how does it work?

 Clearcover stands out for its top-notch digital experience. Getting a quote only takes a few minutes and its mobile app has quite a reputation for its simplicity and preciseness.

It is available in Arizona, California, Georgia, Illinois Indiana, Louisiana, Maryland, Missouri, Nebraska Ohio, Oklahoma, Pennsylvania, Texas, Utah Wisconsin. Clearcover coverage is very few options compared to larger packages of optional coverage that can be found with much larger insurance.

 There is transport coverage that is offered in place of rental car coverage. With this coverage, the clear cover will give you money to use as you feel fit whenever your car is been repaired. 

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 Clearcover vividly and concisely explains information to clients. So new clients can know and understand what coverage they may need.

 The company provides online quotes, and it has a smartphone app, both of which are easy to use.

 However, the process is a little confusing many important activities related to your car insurance policy can only be done on the website or the app, but not both. And a smartphone when it comes to clear cover is a necessity because you wouldn’t be able to sign up without one

As an online-only insurer, Clearcover doesn’t use insurance agents. You can’t meet with anyone from Clearcover in person. However, its customer service receives positive reviews. Its team is only available over the phone from 8 a.m. to 9 p.m. Central Time on business days, but customers can file a claim through the app 24 hours a day.

One potential issue with Clearcover is its relatively short track record. The company started selling insurance in February 2018.

Given how important it is for your insurance policy to be reliable, there are definite advantages to choosing an insurer that has demonstrated financial stability and the ability to weather major disasters in the past.

Clearcover’s more recent entry into the insurance industry means that some aspects of its policies may see a significant change shortly.

Types of coverage

The car insurance policies offered by Clearcover include all the features that you would expect in a standard policy, such as:

  • Liability coverage
  • Property damage coverage
  • Collision coverage
  • Comprehensive coverage
  • Medical payments
  • Uninsured/underinsured motorist protection

In addition, Clearcover also has several useful endorsements, including:

  • Rideshare coverage
  • Roadside assistance
  • Alternate transportation coverage

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Pros And Cons of Clearcover Insurance

 The company’s selling point is smarter, faster, and cheaper car insurance at your fingertips, regardless of your needs. Because Clearcover depends on technology for most of the work, some of its ways don’t sit well with customers.

Let’s look into some of the good and bad of Clearcover insurance reviews.

Bad

  • Since the company is online and there are no buildings to visit, there is no use for agents and this can be a downer, awesome customers.
  • It can only be operated on a smartphone this way you can download the mobile app but without a smartphone, there is no clear cover insurance.
  • Clearcover is strictly an auto insurance company. Other types of insurance are not available
  • Not available in all-state
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Good

  • They have great customer service and communication
  • Consumer satisfaction is a priority
  • With Clearcover you can save more money
  • Faster way to file a claim 
  • App is easily accessible 
  • It offers a rider share insurance

Discounts

Clearcover takes a contrary approach to discounts compared to other insurers. it doesn’t offer them explicitly.

Most car insurance companies tell you when they are giving you a discount for things like safe driving and insuring multiple cars.

Clearcover still considers all the same details as a mainstream insurer when setting your rate, but you don’t see the specific criteria it uses to set your rate.

Clearcover also only sells car insurance. You can’t buy renters, homeowners, or umbrella insurance from the company. If your insurer offers you a meaningful discount for bundling your policies together, you may save money elsewhere.

 Below are the discounts offered

  • Safe-driving discount.
  • Discount for paying in full upfront.
  • Paperless discount.
  • Discount if your car has safety features.
  • Military discount.

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Clear over Insurance Review- Home insurance

At present, Clearcover does not sell home insurance, but it partners with Hippo Insurance to offer homeowners insurance quotes from different companies.

Hippo was founded in 2017 and its policies are underwritten by Canopius U.S. Insurance, Spinnaker Insurance Company, and Topa Insurance Company.

Bear in mind that Hippo is a completely independent company, and if you purchase home insurance from this provider, all issues related to policy management, claims, and customer service will be handled by Hippo, not Clearcover.

Clearcover ratings, reviews, customer satisfaction, and complaints

Because Clearcover is a fairly new company and not counted amongst the best insurance companies, it has not been evaluated by leading third parties such as J.D. Power or AM Best.

However, Clearcover’s underwriting partner Fortegra and its subsidiaries have an established presence in the industry and hold an A- (excellent) credit rating from AM Best.

The National Association for Insurance Commissioners (NAIC) registered fewer than average complaints about Clearcover.

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The company is accredited by Better Business Bureau and gets an A+ rating and an average of 3.86 customer satisfaction score. These ratings are only for Clearcover’s car insurance policies.

Customer reviews demonstrate an overall satisfaction with the digital accessibility and affordability offered by the company, but some customers express displeasure over the difficulty in reaching a customer service representative to talk to about claims-related issues.

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 How to Cancel Clearcover Insurance Policy

 This might be our least favorite question, but we understand that Clearcover can’t be the right fit for everyone. You can cancel your policy by calling us at 855-444-1875 or emailing us at support@clearcover.com.

To cancel over the phone, call: 855-444-1875

Email support@clearcover.com and ask them to cancel your account.

Where is Clearcover insurance available?

  • Arizona
  • California
  • Georgia
  • Illinois
  • Indiana
  • Louisiana
  • Maryland
  • Missouri
  • Nebraska
  • Ohio
  • Oklahoma
  • Pennsylvania
  • Texas
  • Utah
  • Wisconsin

Guide to Buying Auto Insurance

To avoid mistakes and regret you need to collect comprehensive information about the car insurance company. Information such as facts about your car and the kind of coverage to go for.

For instance, would you like the bare minimum or the more extensive coverage?

Check to confirm if a company has the option you want if you have one in mind.

When comparing rates among insurers don’t stick to looking at just recovery limits and deductibles also pay attention to the customer complaints red flags about the quality of service you might receive.

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Conclusion

Clearcover has proven to be an amazing startup. With minimal complaints and a wonderful consumer satisfaction rate.

But Clearcover isn’t for everyone, what works for you might just be different. So check to see if clear cover Insurance Reviews help you check your boxes.

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