I cannot begin to tell you how much I hate the traditional car insurance industry.
Back in February, my husband and I had a few too many “recent” accidents on our driving history that made our rates skyrocket to over $300 a month. Then after six months with a no-name insurance company, our rates reduced to $220.
$220 for two drivers in their early 30’s still seemed outrageous, but all of the other big-name traditional car insurance companies were even higher!
Then I had a friend share that he switched to an alternative company that wasn’t like the traditional ones, called Root Car Insurance. As a 30-year-old single male driver, his payment went from $385 a month to $83.33 per month just by switching.
That sounded pretty dang good, but there had to be a catch. So I did some research…
How Root Car Insurance Works
Root doesn’t just take your demographics, driving history and credit score to spit out a quote like all the other companies. Instead, Root uses an app to rate drivers based on how they actually drive.
To get a quote, you have to create an account, download the Root App and drive like you usually do. In the background on your phone, the app will track things like braking, turns, and how much you drive. After two to three weeks, it will give you a driving score and a quote (primarily) based on that driving score.
From what I could tell, there was no catch. Root is a real car insurance company backed by the biggest reinsurers in the business. It looks like they are on a mission to disrupt the car insurance industry the same way Airbnb disrupted the hotel and lodging industry and the way Uber disrupted the transportation industry.
Our Quote Experience
Since I I wasn’t locked into a term with my no-name insurer, I decided to give it a try. What was there to lose?
I got an account, installed the app and let it do its magic. Two weeks later, my driving score was ready, and my quote arrived.
We played around with the coverage and added some “bells and whistles,” and our custom quote came in $106.83 per month cheaper than our previous policy. That’s a total savings of $641 over six months.
One reason we were able to get our rate that low with better coverage was by electing to pay the 6-month policy up-front.
If you’re considering giving it a shot but are worried about paying it all up front, my friend who recommended Root chose the monthly option and still saved big!
According to Root’s website, their customers who switch save 52% (or more) than their previous rate.
Our Customer Experience
The customer experience during the driving test period was remarkable even though it was automated. I received a few emails letting me know they were still tracking and there was nothing I needed to do. Their emails were short, witty and refreshing!
See for yourself…
Once I decided to sign up, the buying process was easy. I could have chosen to have Root cancel our no-name insurance policy, but I did that myself.
Their customer onboarding experience was no different. They confirmed I was all set and made me feel REALLY good about my decision. #teaminnovation
Fortunately, my husband and I have been driving safely and haven’t had to process a claim. If we do, I’ll be sure to update you about on the claims service.
So, are you ready to see how much you can save?
Seriously, you have nothing to lose! When you use our referral link and get approved for a quote, Root will PayPal you and Hello Sensible each $25!