What Is Root Insurance?

Car insurance options are abundant in today’s market. Many people have made lifestyle adjustments in the last couple of years, for example, transitioning into remote work or retaining a grocery delivery subscription service. If you have been browsing car insurance options, you may have come across a type of car insurance coverage called “root.” Typically, a Root insurance quote may be lower than other forms of insurance.

This low monthly rate is desirable for those in the market for cost-effective coverage. Root auto insurance differs from traditional coverage options because your driving habits will determine your monthly rates. If you are a good driver, it can be incredibly lucrative to look into what Root insurance can do for you.

How does Root insurance work?

Root insurance rates are dependent on your behavior. If you practice good driving practices, Root is an excellent opportunity to be rewarded for that behavior. Good driving practices include observing the speed limit, using appropriate signals, and refraining from rolling stops, illegal U-turns, or passing over solid double lines.

Opting for a car insurance plan that is dependent on your driving behavior means that you are confident in your ability to drive safely consistently. If the driving behaviors above sound like you, consider becoming a Root customer! If you consider yourself a high-risk driver, though, Root coverage may not be the most beneficial route to take.

How does my insurance carrier know that I am a safe driver?

Safe driving technologies like telematics programs have been available to insureds who partake in pay-per-mile or pay-as-you-go programs for years. With Root insurance, however, you will only need to download a phone application. This application measures your driving behaviors by considering vital elements of your driving habits.

For example, the time of day you drive the most, the speed you travel, the force applied to your brakes, and how rapidly you execute turns. Root can determine whether you are driving or riding as a passenger through machine learning, so do not worry about the driving skills of others interfering with your insurance costs!

How can I obtain an insurance quote from Root?

The process of obtaining a Root quote is relatively simple, although it does take some time. Traditional insurance policies consider your age, type of car, driving history, and in some cases, your credit score. Root insurance will take some of these elements into account. Still, it won’t hold these components as highly as performance when evaluating your eligibility or average monthly costs. Your quote begins with a test drive.

During this test period, you will download the Root app and allow it to track your driving habits. The way you drive during this period will dictate the cost of your insurance policy. Once your test drive period is complete, the insurance provider sends you your quote. Suppose you did not practice safe driving techniques throughout your test period. In that case, you may not receive a quote, so you must remain vigilant about your driving habits during the test drive.

Why is Root insurance so inexpensive?

In many instances, Root insurance is cheaper than traditional car insurance options. This cost-effectiveness is possible because Root does not cover high-risk drivers. By eliminating costly “bad” drivers from their coverage database, this insurance provider can offer much lower premiums than its competitors. Root insurance does offer fewer discounts than other insurance carriers, but this is due to the already low rates they provide customers.

Root insurance does offer a few discounts for select drivers. Possible discounts are available for drivers of vehicles with automated steering capabilities. If you refrain from using your cell phone while driving, you could be eligible for an additional hands-free discount. An extra perk to Root coverage is its tech-savvy database.

Customers who dread phone calls to insurance providers will be pleased to know that most functions are available through their mobile application. Since good driving is at the Root of this insurance plan (see what we did there?), it is the best option for people who consistently engage in safe driving practices.