Root Auto Insurance Review 2022: Pros & Cons | Legit & Scam | How It Works

Over the years, driving is one thing that has posed fear in the hearts of many. It has even prevented many from learning to drive or board vehicles. But thanks to insurance companies, they provide this sense of security to people and it has been really helpful.

In this article, we shall take an in-depth look at Root Auto Insurance. We shall also examine how the company works, its pros and cons. And we shall clear the air of rumors surrounding the legitimacy of this company. We shall also answer some frequently asked questions about this company.

For starters, let us take a dive into the company.

About Root Auto Insurance

Root Auto Insurance is a Public insurance company Traded as Nasdaq: ROOT. it was Founded In March 2015 By Alex Timm And Dan Manges. Root Auto Insurance company has its Headquarters In Columbus, Ohio, United States, and provides services in 31 different states in the US. The major Products and services rendered by Root Auto Insurance are Car insurance, Renters Insurance, and Homeowners insurance

Roots Auto Insurance offers a different type of insurance to its customer. Unlike other insurance companies where you just pay the premium, Roots Auto Insurance actually carefully studies how you drive. 

Root Insurance makes a promise that few companies do: vehicle insurance premiums that are mostly determined by how you drive. To acquire a quote from Root, you must first complete a “Test Drive,” in which you allow the company’s software to follow your driving habits for a few weeks. The more experienced you are behind the wheel, the better the quote.

This form of pricing may be especially beneficial if you’re a cautious driver with high auto insurance premiums, such as teens and young adults.

Root Insurance Company insures drivers in 31 states across the United States. Drivers must download Root’s mobile app and test drive it for many weeks while the software records their driving behavior in the background. If the driver passes the driving test, they will be offered a premium that is partially determined by the driving score obtained during the test drive. In order to keep premiums lower than other insurance firms, Root boasts that they only insure good drivers.

The following states are the States covered by Root Auto Insurance Company; Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, and Wisconsin West Virginia.

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Root Auto Insurance: How it Works

Here’s an outline of how Root Auto Insurance works:

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Root Insurance Coverage

It’s critical to know what vehicle insurance coverage you want and what you’re required to acquire while shopping for car insurance. To operate a car in most jurisdictions, you must have auto insurance, while minimum coverage requirements vary by state. This usually covers liability insurance as well as coverage for uninsured and underinsured motorists.

Full coverage insurance may be of interest if you desire extra safety. Full coverage is a combination of coverage categories such as:

How To Claim Your Auto Insurance in Root

Root policyholders can use the app to file a claim and get roadside assistance after an accident. Make sure to include as much information as possible and, if available, photos. After that, Root will contact you to assess the claim and determine the next steps.

You can call the company throughout business hours if you’d want to talk with a Root claims expert. You can also make an auto insurance claim on the company’s website or by calling the company’s dedicated phone line 24 hours a day, seven days a week, but you’ll probably only be able to speak with a Root claims expert during business hours.

Root Auto Insurance Pros and Cons

Pros

One major advantage of Root Auto Insurance is its Low rates. Many drivers have saved hundreds of dollars with Root Auto Insurance. Root Auto Insurance also Rewards good driving And offers Free roadside assistance to drivers who need them.

Cons

With how effective Root has proven to be, they still have downsides, which is that they are not available in all states. There are states you’ll go to and you won’t be able to access their services.

Because of the stringent driving skill required, Not all drivers qualify. This in a way prevents those that need the insurance the most from getting it. Now their services are Entirely app-based. Putting those that are not tech-savvy at a disadvantage. 

READ ALSO: 12 Best Cars with Self Driving Features in 2022

How To Know If You Are Suitable For A Root Auto Insurance Policy?

If you’re a cautious driver who can qualify for coverage at a cheaper cost than you’re now paying, Root auto insurance might be a suitable fit. If you’re tech-savvy and appreciate the notion of controlling your policy exclusively through a smartphone app, it could be right for you.

You’ll have to search elsewhere if you don’t reside in a state where Root offers insurance, don’t have the best driving habits, or prefer service from an insurance company agent.

Conclusion

Now that you have known all there is to know about Root Auto Insurance, we hope you make the best insurance choice that will meet your needs the most and provide the most suitable policy at a considerable price. 

Hope this read was helpful. Let us know what you think.

FAQs On Root Auto Insurance

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