I first heard about root insurance because I was doing some research on what is popular in the insurance industry. I looked at this random place called “Root Insurance” and with a dumb look was scratching my head on how this random company is getting the “breakout” rating on Google trends.
Overall, I came to find that Root insurance although a new company to the insurance industry has many good overall reviews ranging from prices to claims. If you qualify for their offer you may be eligible to save up to their claimed 52% off however, you do have to prove yourself a good driver first. Let’s discuss.
Hi, my name is Mark and I have been selling insurance in multiple states for over 9 years now. I’ve over the past few years decided to give my advice and experience for free on YouTube which has brought us to this blog. Ultimately, I want to make you smarter about your insurance so you can save more money as well as, have the right coverage for your family. Back to Root!
Let’s start by summarizing what root insurance is and how they are getting your attention. They are focusing on insuring only the good drivers as they say. By doing so they have created their own app that tracks your driving habits through your navigation for a short period of time (typically 3 weeks). It mainly focuses on habits not occurrences. How often you drive outside of your standard commute. How consistent you are with speed and trips is very important to their algorithm.
In this review of root insurance, I noticed that a lot of people are getting caught up with their marketing. It’s amazing but it doesn’t have any bearing on the company itself. Go to YouTube and you will see lots of people saying join now! Keep in mind that most of those people are part of their affiliate program where they make money for you signing up. On other hand that doesn’t mean Root insurance is a bad company either. They do have some of the best technology out there.
Since root is a tech, usage-based insurance (UBI) company 35% of their rates are based on how well of a driver you are compared to the average insurance’s 3%-10% discount. What it is going to do is start you on their test drive which uses your navigation from your cell phone to track your driving habits over the next 1-4 weeks. The four categories that make up their ratings are:
Give yourself plenty of braking distance to safely break when needed
Driving during safer hours is a must. Avoiding late night trips especially on the weekend
Avoid sharp hard turns. Give yourself enough room to take each turn safely
Keep the braking and turning good but don’t forget to avoid fast acceleration or sudden stops
You simply start by download their app and accept their terms. Once you’ve got it loaded you are ready to start. Be on your best behavior and you can save a handful of money in premiums. Just keep in mind that if you are going to use your phone while driving that will deter them from accepting you into their program. It’s that simple. Once you’ve completed the 2-3 week test and you’ve shown that you are a better driver than average you will receive a rate from them to accept.
What if I am not qualified for root insurance?
This is one of the frustrations that some people have and there is no good answer. If you are denied from Root insurance, you are out! Be careful not to use your phone if at all possible, even as a passenger in another car. Root claims that they can determine this, but others have complained that it did not work, and it dinged them for it.
Interested in trying them out? Join Root Insurance
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