Clearcover automobile insurance review
Just about everyone dreams of saving money on insurance premiums, and Clearcover auto insurance makes this possible at a 3rd of normal insurance costs. Founded in 2016 by Kyle Nakatsuji and Derek Brigham, Clearcover may be a Chicago-based, AI-driven insurance provider with attention on affordable rates and straightforward claims filing. Its auto insurance is best recommended for tech-savvy drivers who want low rates including quick, hassle-free service. Clearcover currently sells its policies in 13 states and is underwritten by Lyndon Southern and Response Indemnity Company of California, which are subsidiaries of Fortegra, a number one insurance provider.
Clearcover quick points
- Region offered: Arizona, California, Illinois, Indiana, Louisiana, Missouri, Nebraska, Ohio, Oklahoma, Pennsylvania, Texas, Utah, Wisconsin
- Specialty coverages: Rideshare coverage
Clearcover is merely available in thirteen states as of now and has no agents. Customers got to use the web site and mobile app for many purposes, but there’s also a toll-free number if you would like to talk to a customer care representative.
Clearcover customer satisfaction and complaints
Since Clearcover may be a fairly new company, it's not yet been evaluated or rated by credible third parties like J.D. Power. Online reviews from customers range from positive to neutral to unhappy, depending upon individual experience with the provider. Most customers seem proud of the low prices and digital accessibility, but most negative reviews complain about the problem in reaching customer support and therefore the inefficiency in communication when trying to file claims. The NAIC reported less than the typical number of complaints for Clearcover, but do bear in mind that it also has fewer customers compared to well-known insurance providers as an up and coming company.
While not many ratings are available for Clearcover, its parent company Fortegra and its subsidiaries have an A- (excellent) rating from AM Best, the country’s leading credit rating company. This proves that whilst a replacement provider, Clearcover has financial stability and may disburse claims. However, claims processing is outsourced to a corporation called Littleton Group, so you'll not be working with Clearcover directly.
Clearcover auto insurance discounts
Car insurance is usually expensive, but discounts can assist you save a couple of hundred dollars per annum . Clearcover’s range of discounts isn't as varied as some popular insurers, but it's still possible to lower your premium with the subsequent discounts. As a plus, Clearcover will automatically build discounts you qualify for into your overall cost of your premium .
Safety features discount
If your car is provided with features like airbags, anti lock brakes, traction control, tire-pressure monitors and anti-theft systems, you'll be eligible for a reduction .
Multi-vehicle discount
Insuring quite one vehicle with Clearcover can land you a price cutting .
Good driver discount
If you've got a clean driving record and take a secure driving course, you'll be eligible for a reduction from Clearcover.
Military discount
If you're a current or retired member of the soldiers , you'll be eligible for a reduction . Policyholders in Louisiana may qualify for a further 25% discount if they're on active duty.
Clearcover auto premium length
Currently, Clearcover only offers a six-month premium length. you'll make payments through the mobile app together with your credit or open-end credit or bank account . If you decide on auto-pay, your policy will renew automatically at the top of six months. Complaints regarding unexpected premium increases have yet to be seen by Clearcover’s customer base, but since the corporate doesn't offer an accident forgiveness program, your premiums will rise after an accident, a traffic violation or whenever you file a claim.
The company website states that switching over to Clearcover from a special insurance provider is straightforward and hassle-free. Customers can switch at any time albeit their term with their current insurer hasn’t ended, though there'll likely be a cancellation fee if you turn to a different company from Clearcover before the top of your policy.
Clearcover vs. other insurance companies
There is no lack of auto insurance companies, and during this crowded market, Clearcover stands out by keeping their specialise in a digitally-intelligent automated experience for the fashionable , tech-driven customer. However, the corporate falls short in comparison to the ratings and market position of some renowned insurance providers. Clearcover sells minimum insurance also as collision and comprehensive coverage, but the sole add-on offered is rideshare coverage. you furthermore may won’t get services like GAP insurance or an SR-22 form from Clearcover, thereby limiting the advantages you get for what you pay.
Here is how Clearcover compared to 2 similar insurance companies that are smaller within the market:
Clearcover vs. Metromile
Serving only eight states, Metromile was established in 2011 and offers pay-per-mile insurance, with only a few discounts and barebones coverage. Unlike Metromile, Clearcover doesn’t offer pay-per-mile insurance and offers more coverage. Neither of the businesses are rated by credible third parties like J.D. Power, but NAIC reports a better than average number of complaints for Metromile.
Clearcover vs. Dairyland
Wisconsin-based Dairyland has been in business since 1953, which provides it greater credibility than Clearcover. Dairyland offers automobile insurance in 37 states for high-risk drivers who are denied by other companies, an option not provided by Clearcover. The rates are affordable, discounts aplenty and specialty coverages include non-owner auto insurance, motorcycle insurance, guest passenger coverage, physical damage-plus coverage and roadside assistance.
Clearcover mobile app and digital experience
As a tech-forward company, Clearcover requires customers to use the mobile app for many purposes. The app is well-rated on both the App Store and Google Play Store, with many reviews giving it a mean score of 4.7 out of 5 between the 2 stores. On the app, you can:
- View your policy information
- View insurance documents
- Connect with representatives
- Pay or change payment methods
- File claims
- Request roadside assistance
Although there's a toll-free number for filing claims, it isn’t available 24/7, unlike the app. Clearcover boasts that claims are paid out within minutes, the record so far being 13 minutes.
Clearcover’s website mainly allows you to urge a quote and study the services offered.
In the spotlight
- Clearcover may be a unique startup that's a part of a breed of insurtech companies disrupting the normal insurance market with automation. The coverages are decent and therefore the prices are cheaper than leading automobile insurance companies because of the low advertising budget.
- It is best suited to customers that prefer the quickness of digital experiences over phone calls or in-person purchases.
- In late 2020, Clearcover announced plans to open a Detroit office, and at the start of this year it had been named in Glassdoor’s Best Place to figure in 2021.
- Clearcover recently got $50 million in funding.
If you're all for fast, automated services that need little to no human interaction and sleep in one the thirteen states it serves, Clearcover automobile insurance might be worth considering. However, since the corporate remains very new and has yet to determine long-standing trust, it's best to match as many providers as possible to ascertain if Clearcover is that the best choice for you. confirm to match reviews, quotes, coverages and customer service reports from multiple companies before making a sale.