Does Clearcover Have Cheap Auto Insurance?
Last Updated on July 7, 2020
Shopping for car insurance can be a very daunting challenge. With so many different providers on the market, it’s hard to narrow down which one will be the best fit for your needs. 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.
About Clearcover Car Insurance
Clearcover is a unique new company that is taking a new approach to car insurance. They are based in Chicago and currently only offer coverage in California, Illinois, Texas, Ohio, Arizona, Utah, Wisconsin, and Louisiana, although they may expand in the future. They are able to 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 very streamlined website and mobile app to provide efficient service to their customers. By eliminating expensive and inefficient internal processes, Clearcover is able to provide lower rates to their customers.
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 type of collision, regardless of who is at fault for the accident. 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 even funeral expenses. Uninsured motorist coverage will pay for your car repairs if you are hit by a driver that does not have insurance or does not carry enough insurance to cover the damages.
Clearcover is also unique in that all of their policies cover rideshare drivers. There are many insurance companies that do not offer coverage for Lyft and Uber drivers, or who charge very expensive rates for the additional liability. Because of this, Clearcover is a great 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 as well as rideshare fees, public transit, or any other form of 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 when 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, as well as drivers in a variety of 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 are able to 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 questions 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 of which are owned by Fortegra. Fortegra is a respected international company that underwrites many different types of 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 a great 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.
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’ll be able to manage most aspects of your policy using Clearcover’s efficient mobile app. On the app, you’ll be able to view your insurance card and policy documents, chat with a customer service representative whenever you need to, and file a claim. You can also file a claim via email or over the 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 are able to offer very reasonable pricing for drivers of many different demographics. By streamlining their internal processes and using up-to-date technology, Clearcover is able to 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 you’ll 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 also does not have offices, so there is no way to talk to an agent in person. Finally, Clearcover does not offer as many types of specialty coverage or add-ons as some 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 California, Illinois, Texas, Ohio, Arizona, Utah, Wisconsin, and Louisiana|
|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)|
Overall, Clearcover is a great option for affordable car insurance. If you live in California, Illinois, Texas, Ohio, Arizona, Utah, Wisconsin, or Louisiana and are looking for a tech-savvy insurer that can save you money, Clearcover could be the best choice for you.