Root Car Insurance Review: Save with Usage-Based Coverage

Are you a safe driver tired of high auto insurance premiums? Root Car Insurance offers a usage-based approach that rewards low-risk drivers with savings of up to 50%. At Good to Go Insurance, we help you compare auto insurance quotes to see if Root or other providers offer the best rates for your driving habits.

How Root Car Insurance Works

Launched in 2016, Root uses telematics through a smartphone app to analyze driving behavior, offering lower rates to safe drivers. Unlike traditional insurers that factor in credit scores or marital status, Root bases premiums on metrics like braking, acceleration, and lane changes. This data-driven approach, started by founder Alex Timm, targets low-risk drivers and can result in premiums as low as $12/month for liability coverage.

Key Features of Root Insurance

Root’s innovative model sets it apart from competitors. Here’s what makes it unique:

• Smartphone-Based Policies: Root sells policies exclusively via its iOS and Android app, cutting overhead costs and passing savings to customers.
• Telematics-Driven Rates: A two-week test drive tracks your driving habits to determine your risk profile and premium.
• No Credit Checks: Rates are based on driving behavior, not credit scores, benefiting those with poor credit.
• Comprehensive Coverage: Offers liability, collision, and comprehensive plans comparable to major insurers.

Pros and Cons of Root Car Insurance

Root’s model appeals to tech-savvy, safe drivers but isn’t for everyone. Here’s a breakdown:

For drivers who don’t qualify, explore high-risk insurance options.

Who Qualifies for Root Insurance?

Root targets drivers with clean records and safe habits, using a rigorous two-week evaluation via its app. Only about 20% of applicants qualify, as Root focuses on the lowest-risk pool. Drivers with frequent speeding, hard braking, or accidents are referred to mainstream insurers like Progressive. To improve your chances:

• Drive conservatively during the test period.
• Own a smartphone compatible with the Root app.
• Reside in one of Root’s operating states, including Texas, Ohio, and Arizona, with nationwide expansion ongoing.

Check usage-based insurance for similar telematics-driven plans.

Root’s History and Mission

Founded by Alex Timm, a former Nationwide employee, Root aims to make insurance fairer by leveraging technology. Inspired by platforms like Uber, Timm used telematics to reward safe drivers with lower rates. Backed by Drive Capital, Root started in Ohio and has since expanded, focusing on fairness and affordability.

Is Root Right for You?

Root is ideal for cautious drivers comfortable with app-based monitoring. Savings of $700 or more annually are possible, but you must maintain safe habits and live in a covered state. If you prefer traditional policies or have a riskier driving profile, compare alternatives with other providers.

Compare Root with Good to Go Insurance

Not sure if Root fits your needs? Good to Go Insurance compares up to 10 quotes from Root and other insurers in minutes, helping you save on liability or full-coverage plans. Enter your zip code for free, no-obligation quotes and find the best deal for your driving profile.

Frequently Asked Questions (FAQ)

How does Root Car Insurance determine rates?

Root uses smartphone telematics to track driving habits like braking and speeding, setting premiums based on risk, not credit or demographics.

Who is eligible for Root Insurance?

Safe drivers with clean records in Root’s operating states qualify. High-risk drivers can explore alternative policies.

Is Root available nationwide?

Root operates in select states but plans nationwide expansion. Check availability with online quotes.

Can Root save me money?

Safe drivers can save up to 50%, with rates as low as $12/month. Compare Root with other discount plans to maximize savings.

Ready to save on auto insurance? Get your free quote with Good to Go Insurance today and see if Root is your best option!