Coverage Options Provided by Root Car Insurance
Root’s coverage options should satisfy the needs of the average low-risk driver. Virtually every coverage option Root offers (besides the always-mandatory liability coverage!) remains optional. This means that drivers on the hunt for low rates can easily get a state minimum quote for their state’s minimum liability coverage limits.
Insurance coverages included on every Root car insurance policy appear in bold.
Bodily injury liability
Property damage liability
Collision coverage (optional)
Comprehensive coverage (optional)
Medical payments coverage (optional; required by law in some states)
Personal Injury Protection (PIP) (optional; required by law in some states)
Rental coverage (optional)
Lyft credits (expand on this)
Uninsured motorist coverage (optional)
Uninsured motorist property damage (UMPD) (required by law in some states)
Uninsured and underinsured motorist bodily injury (UMBI/UIMBI)
Root is like almost all other standard or standard-preferred car insurance providers in that it offers “full coverage” car insurance. “Full coverage” car insurance is not an official industry term, but commonly refers to liability coverage + collision + comprehensive.
Root Car Insurance Quotes for 2019
Root offers users a unique quote based on their driving habits, and the “test drive” it requires is more of a marathon than a sprint. The instructions of the driving test are simple: drive as you would on any given day, for two to three weeks…as long as you have your phone on you!
If it all sounds a little scary, Root assures that your monitored driving practices, if they’re safe, will lead to lower insurance rates.
Keep in mind that if Root decides you’re too high-risk of a driver to insure, you won’t qualify to get a quote.
Consider the Insurify quote list for the following driver: a single, 29 year old female living in Houston, Texas; driving a 2011 Honda Accord; using her car only for pleasure driving; having a clean driving record; having good credit; opting for state minimum liability coverage.
Here are the real, bindable car insurance quotes this driver would receive on Insurify:
Insurance Company Monthly Quote
Liberty Mutual $114/month
The General $219/month
These are pretty good rates! And this is the type of low-risk driver that Root would probably love to insure. So, can low-mileage or low-risk drivers save money with Root? They should be able to, by Root’s admission. It’s up to this driver if she wants to take the driving test, prove her safe driving practices, and secure a quote with Root.
This driver can also compare Root’s car insurance rates with those she’d receive from State Farm, GEICO, Progressive, and Allstate.