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Clearcover Car Insurance Review

By David Krug 3 minute read

Clearcover Car Insurance was established in 2016 and is a newcomer to the vehicle insurance industry. The firm’s motto is “digital insurance for the digital consumer,” and the company places a premium on both technology and customer service. For a little monthly subscription, Clearcover’s mobile app offers low auto insurance rates and a simple claims process. Clearcover, a relatively recent entrant to the insurance business, has expanded into ten additional states.

Clearcover Car  Insurance Review 2021

Clearcover Car Insurance Review - Clearcover Insurance Company Logo
  • J.D. Power Rating. – As of this writing, this company does not have a J.D. Power rating.
  • Financial fortitude. This company has not yet been awarded a rating by AM Best.
  • NAIC Classification — In comparison to the national average, there were significantly less complaints filed in this location. Clearcover receives less complaints than the whole insurance sector, according to the National Association of Insurance Commissioners.

Clearcover car insurance coverage 

Clearcover, an automobile insurance business, places a premium on simplicity and affordability in the claims procedure. Complex claims will be handled by phone rather than through the company’s website or user-friendly mobile app. Clearcover’s lack of conventional insurance brokers may frustrate customers wanting a more personalised service. Insurance from this company is difficult to obtain if you do not own a smartphone.

Clearcover plans to expand its service area in the near future. The following states are among those where the firm sells its goods and services:

  • Arizona
  • California
  • Illinois
  • Louisiana
  • Nebraska
  • Ohio
  • Oklahoma
  • Texas
  • Utah
  • Wisconsin

Car insurance options through Clear Coverage

The following are just a handful of the numerous benefits included in Clearcover’s vehicle insurance policy:

  • Liability for bodily injury and property damage to others, including the expense of medical care
  • Numerous themes are covered.
  • Insurance against bodily harm and property damage
  • Protection for uninsured motorists (property damage)
  • Automobile insurance provides protection against uninsured and underinsured motorists (bodily injury)

Car insurance add-ons

Even if Clearcover does not give a comprehensive list of optional coverages, the following may be beneficial to drivers (also known as endorsements).

Rideshare coverage

Clearcover’s insurance policy extends coverage to drivers for ride-hailing services such as Uber and Lyft. This endorsement does not include, however, delivery services such as Uber Eats, Doordash, and Grubhub.

Alternate transportation coverage

If your vehicle becomes unusable as a result of a covered claim, Clearcover will cover your transportation costs until your own vehicle can be repaired. This encompasses all kinds of mobility, including public transportation, ride-sharing, and automobile rental.

Roadside assistance 

If you find yourself stuck due to a mechanical or electrical failure, roadside assistance may be able to aid you. This includes towing, flat tires, and dead batteries.

Clearcover car insurance discounts

Clearcover’s website provides just a few auto insurance savings. The firm claims that drivers will receive the most cheap rates at the start of each insurance policy. Clearcover states that drivers may save money on insurance by having a clean driving record, paying premiums in full up front, and investing in car safety equipment.

Clearcover, on the other hand, promotes a 15% military discount. Individuals currently serving in the military may qualify for a 25% discount on their insurance rates, since Louisiana offers this benefit.

Clearcover mobile app review

For example, Clearcover’s website and mobile app are technology-driven insurance firms with a plethora of features that are nevertheless simple to use. As of September 2020, the app has 4.7 stars in the Apple App Store and Google Play. Additionally, Clearcover presents an award for the best mobile application.

The Clearcover mobile app enables policyholders to handle claims, store identification cards, and view coverage alternatives. The majority of the claim process is handled using the smartphone app.

Following the submission of your claim, an adjuster will contact you to walk you through the subsequent phases. According to the firm, it takes an average of one week to resolve a disagreement.

Additionally, the app makes it simple to use Honk, Clearcover’s roadside assistance service. Take care of all your insurance requirements with the Clearcover app, including online bill payment.

Additional lines of insurance

Clearcover does not offer renters or homeowners insurance. When it comes to house insurance, Hippo, a technology-focused insurer, and Clearcover have partnered.

Is Clear Coverage the right insurance for you?

Clearcover, a relatively recent player in the insurance industry, is accelerating its growth. It’s probable that some folks are concerned about Clearcover’s youth, given the company currently lacks external evaluations from recognized organizations such as JD Power or AM Best. Clearcover has an A+ rating with the Better Business Bureau, demonstrating their commitment to satisfied consumers.

David Krug

Author