How Is Clearcover’s Auto Insurance?
Last Updated on April 26, 2023
Shopping for car insurance can be a very daunting challenge. With so many different providers on the market, narrowing down which one will best fit your needs is hard. The best way to find a good provider for you is to shop around and consider many different providers – including local and regional providers you may not have heard of before. Clearcover is a new car insurance provider that aims to simplify the process of getting car insurance and provide affordable rates. Here’s what you need to know about Clearcover before you sign up.
Key Takeaways:
- Clearcover is a new car insurance provider that uses AI to help drivers select the appropriate insurance policy for their needs and provide affordable rates.
- Clearcover offers basic car insurance policies, including bodily injury and property damage liability coverage, collision, comprehensive, medical payments, and uninsured motorist coverage.
- Clearcover offers very affordable prices compared to larger national insurers, and their policies cover rideshare drivers and offer flexible reimbursement for alternative forms of transportation.
- Clearcover generally has reliable customer service through its website and mobile app, but they do not work with insurance agents or have local offices.
- About Clearcover Car Insurance
- What Types of Car Insurance Does Clearcover Offer?
- What Is Clearcover’s Pricing Like?
- Does Clearcover Offer Discounts?
- Is Clearcover Financially Stable?
- What Is Clearcover’s Customer Service Like?
- How to Get a Quote from Clearcover
- What Are the Advantages of Using Clearcover?
- What Are the Disadvantages of Using Clearcover?
- Clearcover Pros and Cons
- Our Rating of Clearcover
About Clearcover Car Insurance
Clearcover is a unique new company taking a new approach to car insurance. They are based in Chicago and currently only offer coverage in 20 states, although they may expand in the future. They can offer affordable insurance policies by making their internal operations more efficient. They do this by using artificial intelligence to help drivers select the appropriate insurance policy for their needs. They also have a streamlined website and mobile app to provide efficient customer service. Clearcover can provide lower rates to its customers by eliminating expensive and inefficient internal processes.
Currently, Clearcover is available in the following states:
- Alabama
- Arizona
- California
- Georgia
- Illinois
- Indiana
- Kentucky
- Louisiana
- Maryland
- Mississippi
- Missouri
- Nebraska
- Ohio
- Oklahoma
- Pennsylvania
- Texas
- Utah
- Virginia
- West Virginia
- Wisconsin
What Types of Car Insurance Does Clearcover Offer?
Clearcover offers a selection of basic car insurance policies. While they don’t have as many customizable options as larger insurers, they have everything you need to stay safe on the road. They offer bodily injury and property damage liability coverage, which is required by law in every state. They also offer optional coverage types, such as collision, comprehensive, medical payments, and uninsured motorist.
Collision coverage pays for damage to your vehicle in any collision, regardless of who is at fault. Comprehensive coverage pays for other types of damage to your car, including weather damage, theft, and vandalism. Medical payments coverage pays for any medical expenses for you and your passengers, regardless of who is at fault for the accident. This includes hospital bills, physical therapy, medication, or funeral expenses. Uninsured motorist coverage will pay for your car repairs if a driver hits you without insurance or not carrying enough insurance to cover the damages.
Clearcover is also unique in that all of its policies cover rideshare drivers. Many insurance companies do not offer coverage for Lyft and Uber drivers or charge expensive rates for the additional liability. Because of this, Clearcover is an excellent choice for rideshare drivers. Clearcover also offers flexible reimbursement for alternative forms of transportation if you lose access to your vehicle. This means they will pay for a rental car and rideshare fees, public transit, or any other transportation you’d like to use.
| Clearcover Coverage Types Offered | ||
|---|---|---|
| Bodily Injury Liability Coverage | Property Damage Liability Coverage | Medical Payments Coverage |
| Collision Coverage | Comprehensive Coverage | Uninsured Motorist Property Damage Coverage |
| Uninsured Motorist Bodily Injury Coverage | Roadside Assistance Coverage | Ridesharing Endorsement |
| Alternate Transportation Coverage | ||
What Is Clearcover’s Pricing Like?
Clearcover stands out because they offer very affordable prices compared to larger national insurers. When compared to other insurers in California, for example, their prices are consistently $50 lower than their competitors or more. Another unique thing about Clearcover is that their prices are affordable for everyone – they offer equally low rates for both male and female drivers and drivers in various age groups.
Does Clearcover Offer Discounts?
Clearcover does not offer discounts in the traditional sense. Because of their efficient approach to issuing and managing car insurance policies, they can build discounts into every policy instead of offering them selectively. When you sign up for a Clearcover policy, their automated quote technology will ask you about your demographics, vehicle, driving history, and more. They will then use this information to generate an affordable rate without explicit discounts.
Is Clearcover Financially Stable?
Clearcover is a very new insurer – they were only founded in 2018. However, their policies are underwritten by two older institutions to ensure financial stability. Clearcover’s policies are underwritten by Response Indemnity of California and Lyndon Southern, both owned by Fortegra. Fortegra is a respected international company that underwrites many different insurance policies and has a long-standing reputation for financial stability.
What Is Clearcover’s Customer Service Like?
Clearcover offers generally reliable customer service. Most of their customer service is offered through their website and mobile app, so they are an excellent option for busy customers who prefer to manage their policies online. Clearcover’s streamlined, tech-focused operations allow them to run more efficiently and provide service faster than many other insurance companies.
With that being said, Clearcover has quite a few customer complaints. The NAIC complaint index is a metric used by the National Association of Insurance Commissioners to evaluate the number of complaints filed against insurance companies. Clearcover’s auto insurance has an above-average NAIC Complaint Index of 1.97, which suggests that the company has received more complaints than the industry standard.
How to Get a Quote from Clearcover
To get a quote, you’ll need to use Clearcover’s website. You’ll be able to get a quote quickly and decide if you’d like to purchase a policy. Once your policy has been issued to you, you can manage most aspects of your policy using Clearcover’s efficient mobile app. The app lets you view your insurance card and policy documents, chat with a customer service representative whenever needed, and file a claim. You can also file a claim via email or phone as needed. Clearcover’s customer service is available from 9 AM to 7 PM central time. Once you’ve filed a claim, you can track it in the mobile app. Clearcover does not work with insurance agents and does not have local offices.
What Are the Advantages of Using Clearcover?
There are many advantages to using Clearcover. The biggest advantage is that they can offer very reasonable pricing for drivers of many different demographics. By streamlining its internal processes and using up-to-date technology, Clearcover can offer consistently affordable premiums to help drivers save money.
Another advantage of using Clearcover is its streamlined mobile app and reliable customer service. In today’s busy world, using an app to manage your car insurance policy can help you save time and minimize stress. Their claims tracking feature means that you’ll get your payout faster and never have to worry about losing your insurance card with a digital copy.
What Are the Disadvantages of Using Clearcover?
As with any car insurance company, there are some disadvantages to using Clearcover for your policy. Clearcover is currently only available in California, Illinois, Texas, Ohio, Arizona, Utah, Wisconsin, and Louisiana, so customers are very limited depending on where they live. Clearcover does not have offices, so there is no way to talk to an agent in person. Finally, Clearcover does not offer as many specialty coverage types or add-ons as other insurers.
Clearcover Pros and Cons
To recap, here are the pros and cons of using Clearcover:
| Clearcover Pros | Clearcover Cons |
|---|---|
| Very affordable rates for most drivers | Only available in 20 states |
| Hi-tech, award-winning mobile app that is very user friendly | In-person customer service is not available (no independent agents or physical offices) |
| Offers rideshare coverage (if you want to drive for Uber or Lyft) | New company with not a long track record or many customer reviews |
| Quick and easy claims process (all through the app) | Does not have many policy add-ons (only the essential coverage) |
| Electronic insurance ID on app (you’ll always have proof of coverage) | Does not offer homeowners, renters, umbrealla, or life insurance (no bundling discounts) |
