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Clearcover Insurance Review 2021: Pros and Cons

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Clearcover critiques and rankings

  • App will get excessive rankings from customers.
  • Sells auto insurance coverage in 18 states.
  • Offers rideshare insurance coverage.

Founded in 2016, Clearcover is greatest for patrons who’re searching for a digital-first auto insurance coverage firm and aren’t fascinated with bundling insurance coverage. The firm offers user-friendly on-line instruments and boasts it could actually difficulty cost for eligible claims in 13 minutes.

However, drivers in search of an in-person expertise ought to look elsewhere. Clearcover sells insurance policies on to customers, on the cellphone and by means of its app.

Clearcover execs and cons

Clearcover auto insurance coverage

Common varieties of automobile insurance coverage protection

When you’re looking for automobile insurance coverage, it’s essential to grasp what automobile insurance coverage protection you need and what you’re required to purchase. Most states require automobile insurance coverage to drive a automobile, though minimal protection necessities range from state to state. This typically contains legal responsibility insurance coverage and uninsured and underinsured motorist protection.

If you need additional safety, you could be fascinated with full protection insurance coverage. Full protection isn’t a selected coverage you should buy, however slightly a mixture of protection sorts like legal responsibility, collision and complete insurance coverage.

Check out the commonest varieties of automobile insurance coverage protection under to see how they work:

» MORE: Car insurance coverage quotes: What it’s worthwhile to know

Clearcover gives typical automobile insurance coverage protection choices corresponding to legal responsibility, complete and collision insurance coverage. It additionally sells:

Alternate transportation protection, which pays so that you can get round by rideshare, public transit or a rental automobile in case your automobile is unusable.

Rideshare insurance coverage, which covers you whereas driving for Uber and Lyft, offers protection when your app is on however you haven’t agreed to select up a passenger. Clearcover’s rideshare protection doesn’t shield you in case you are working for a supply service like GrubHub or DoorDash.

Clearcover’s auto insurance coverage reductions embody:

  • Safe-driving low cost.
  • Discount for paying in full upfront.
  • Paperless low cost.
  • Discount in case your automobile has security options.
  • Military low cost.

» MORE: Car insurance coverage reductions: Your information to getting the perfect value

Auto insurance coverage shopping for information

Before you examine automobile insurance coverage firms, you’ll want to gather primary info, such because the driving historical past of everybody on the coverage and info about your automobile, together with security options and annual mileage pushed. You’ll additionally wish to perceive which varieties of protection you want. For instance, would you like solely the naked minimal insurance coverage that your state requires, or do you want extra in depth protection, corresponding to hole insurance coverage or rideshare protection? Check that every firm you’re contemplating has the choices you need.

When evaluating charges amongst insurers, be sure that every is providing the identical protection limits and deductibles. You might not wish to resolve primarily based on value alone. Look at what number of shopper complaints every firm has, as excessive numbers is usually a pink flag concerning the high quality of service you may obtain.

Depending on which firm you select, you might be able to purchase insurance coverage on-line, over the cellphone or by means of an agent. For extra steering, see find out how to get automobile insurance coverage.

» MORE: Compare automobile insurance coverage charges

Clearcover complaints

Clearcover had no complaints to state regulators relative to its dimension for auto insurance coverage, in line with three years’ price of knowledge from the National Association of Insurance Commissioners. However, Fortegra, Clearcover’s insurance coverage service companion in California, had excess of the anticipated variety of complaints for auto insurance coverage.

More about Clearcover

Website: Customers can study insurance coverage fundamentals by means of the corporate’s weblog and get a quote on its web site, however most different duties are finished by means of Clearcover’s app.

App: Clearcover has put most of its digital efforts towards its app, which has excessive rankings from customers. You pays your invoice, file and observe claims and view your coverage and ID card by means of the app. You can even speak to customer support instantly by means of the app when you’ve got questions or wish to replace your coverage.

Other insurance coverage: Clearcover sells solely auto insurance policies, however its companion, Hippo, gives dwelling and apartment insurance coverage.

Methodology: Insurer complaints

NerdWallet examined complaints acquired by state insurance coverage regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers examine to at least one one other, the NAIC calculates a grievance index annually for every subsidiary, measuring its share of complete complaints relative to its dimension, or share of complete premiums within the business. To consider an organization’s grievance historical past, NerdWallet calculated the same index for every insurer, weighted by market shares of every subsidiary, over the three-year interval. Ratios are decided individually for auto, dwelling (together with renters and apartment) and life insurance coverage.

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