Rootr Car Insurance is one of the cheapest car insurance companies in the United States and their insurance offers are uniquely based on the mobile app Root insurance.
The Root Insurance mobile app is used to monitor the driving of potential policyholders during a test driving period.
During the test drive period, the app tracks the driver's driving habits and sets up a rat based on the driver's performance.
While other car insurance companies provide usage-based programs in addition, Root bases its entire business model on this system.
With the test drive method, it is not possible to point to Root Car Insurance prices or come up with a property on how much Root car insurance will cost. Determining any of the above would be an aftermath of the test run period.
A guarantee stated on the insurer's website is that it helps to save up to 52 percent of normal insurance costs.
All there is to be insured by Root is to do well during the test run period. The app monitors your driving habits and that is the primary factor between being insured and not.
A major drawback to Root's almost fantastic portfolio is below average customer service. I'll talk about it right after I gave you a background on how Root Insurance started.
About Root Insurance
Root Insurance Co. was founded in March 2015 by Alex Timm and Dan Manges in Columbus, OH, USA.
It currently serves car insurance to individuals living in 30 states including California, Colorado, Illinois, Texas, Pennsylvania and Oregon.
By 2020, Root Insurance generated more than $ 200 million and had over 900 employees.
The insurance company requires drivers to download the Root mobile app and perform a test drive for three weeks while the app monitors their driving habits.
Drivers who did poorly as determined by the telematics technology used to access their driving habits will not be insured by Root.
Is Root Insurance Legit?
Yes! Root Insurance is legitimate.
They have been in the car insurance business for five (5) years now and they would not have lasted that long if they were not.
Test drive from root insurance
The test drive is what determines whether you would be insured by Root. This is how it works.
Intentional policyholders must download the Root Insurance app and register to create an account.
Start the test drive and the app monitors their driving and distributes points based on these factors:
- How often and hard you brake
- How you turn while driving
- Your phone usage while driving  run in
You may be wondering what the last factor is about. Different times of the day have been divided into safe and unsafe driving times.
If you drive more during unsafe driving times, it is likely that you will not be insured by Root.
You do not need to log in to the app before it starts tracking your driving. Once you have installed it and allowed site permissions, you are ready to go.
Do not drive?
The app knows when you are not driving thanks to the machine learning algorithm. It detects when you are cycling or on a bus and therefore does not track in such scenarios.
When driving, you can always log in to the app to check your progress and see how well you are doing.
In three (3) weeks you should be finished with the test run and if your score is good enough, you will be insured by Root.
Root Homeowners Insurance
Root offers homeowners insurance but you must first own a Root car insurance before you can purchase its homeowners insurance.
Policyholders receive a discount when they bundle their homeowners and car insurance policies.
With Root homeowners insurance, you get protection against your home, family, third parties and belongings.
Root Renters Insurance
You can buy Root Renters insurance without having a car insurance with the company.
Like homeowner insurance, Root offers a 5 percent discount when you bundle the rental insurance with your car insurance.
Root Insurance Customer Service
Root customer service has not received positive reviews recently. And as you know, poor customer service will claim something difficult.
Still, one can settle for their customer service when we take into account other high benefits.
The root customer service number is 866-980-9431 and it is the number you should call when making a claim.
To inquire about an existing claim, call 866-489-1985 at any time from 9 a.m. to 5 p.m., Monday through Friday.
Root Mobile App
The Root mobile app is available for download in the Google Play Store for Android users and the Apple App Store for iOS devices.
Root is an option for "high-risk drivers", especially young adults who would be highly charged by other insurance companies.
For those looking for quick quotes and specialized coverage, Root may not be a good choice.