This car insurance company uses advanced tech to analyze your driving behavior. So can it secure lower insurance rates and improve your driving habits, too?
إضغط هنا لتشاهد الفيديو !
Root is an unconventional auto insurance provider that uses telematics and artificial intelligence to set drivers’ insurance rates. Root doesn’t merely rely on personal information and driving records to determine how much a policyholder will pay. Instead, Root requires users to complete a test drive, which will largely determine the users’ base insurance rates. This business model focuses more on “how you drive” in an insurance landscape that seems to put more emphasis on “who you are.”
As of this writing, Root operates in the following states: Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, and Virginia.
The Root Insurance Co. website reports that the company’s coverage will soon extend to Alabama, Alaska, Hawaii, Massachusetts, New Hampshire, North Carolina, Washington, West Virginia, and the District of Columbia. It has plans to operate in all 50 states soon.
How Does Root Car Insurance Work?
The most important, and indeed unique, feature of your car insurance experience with Root is the test drive. Through telematics, Root can analyze each driver’s behavior behind the wheel, all thanks to one handy mobile app. That’s how Root calculates your quote. First, Root collects standard personal information like who you are and where you live. Then, the Root app uses telematics data on your driving behavior over a span of a few weeks to assess your risk profile and charge your premiums accordingly.
According to Root’s website,
Braking, speed, turns, times of day, miles driven, and driving routes are all considered when calculating your quote.
By this logic, safe drivers should ace the test and see lower rates as a result, right? That’s the idea that Root is built on. Root contends that this data-driven approach gives drivers “the rate [they] actually deserve.”
Joyriders and frequent speeders, take note! Root says that it won’t insure high-risk drivers. With a smaller pool of dangerous drivers on Root’s dime, it’s less likely that Root will have to pay out insurance claims. Insurance companies make a profit when they charge in premiums than they pay out in claims. As a result, Root claims it can secure good drivers up to 52 percent a year on their insurance premiums.
Using the Root app as a new user
Root’s distinguishing feature is its smartphone app, which is central to its business model. The Root app, which is available on iOS or Android, is the central hub through which Root’s telematics technology works. Through the app, users can also access their insurance ID card, manage their policy, submit claims, and complete payments.
Prospective policyholders can download the Root mobile app to get an idea of how managing a Root policy works. When you first sign up for the Root app, you’ll find a welcome screen that eventually leads to an “under one minute” signup process.
The app will ask for some personal information (your name, where you live, your driver’s license number, and your car’s VIN), but a handy disclaimer at the bottom of your screen will assure you that your information is 100 percent secure. (Note that you’ll still have to provide your mailing address—all of this comes before securing a quote or taking that driving test.) The official Root website assures users that the app only requires a “47 second signup” before you hit the road to take the driver’s test.
Root’s app interface is admittedly very user-friendly. With its clean aesthetics, logical progression of steps, and cheerful messaging, new users can feel secure in knowing that Root is a legit organization.
You can also start the quoting process online on Root’s official website.
But before taking a test drive and getting a car insurance quote from Root, you’ll probably want to figure out just what you’re signing up for.