Clearcover Insurance Review

Clearcover is a newer name in the vehicle insurance industry, having been established in 2016. The company’s slogan is “digital insurance for the digital consumer,” and it emphasizes both technology and customer service. For a low price, Clearcover’s mobile app delivers a straightforward claims process and low auto insurance rates. As a newcomer to the insurance business, Clearcover has recently expanded to ten states throughout the country.

Clearcover insurance review 2021

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  • J.D. Power Rating. This firm has not yet received a J.D. Power rating.
  • Financial strength. This firm has not yet been given an AM Best rating.
  • NAIC Rating — There were significantly fewer grievances filed than the national average. National Association of Insurance Commissioners data shows Clearcover had less complaints than the industry as a whole (NAIC).

Clearcover car insurance coverage 

A straightforward claims procedure and low premium rates are important to Clearcover, an auto insurance provider. For the most part, transactions happen on the company’s website or its easy-to-use mobile app, with phone calls being reserved for more complicated claims. The lack of typical insurance brokers at Clearcover may frustrate customers hoping for more personalized service. It’s difficult for drivers who don’t have smartphones to get insurance from this company.

In the near future, Clearcover plans to expand its service area. The firm offers its products and services to the following states:

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

Car insurance options through Clear Coverage

When it comes to car insurance, Clearcover offers everything you’d expect to find from most reputable providers, including the following:

  • Liability for personal harm and property damage
  • Paying for medical care
  • A wide range of topics are covered
  • Insurance coverage for motor vehicle collisions
  • Coverage for uninsured motorists (property damage)
  • Car insurance coverage for uninsured and underinsured drivers (bodily injury)

Car insurance add-ons

While Clearcover does not offer a comprehensive list of optional coverages (often referred to as endorsements), many drivers may find the following coverage add-ons beneficial.

Rideshare coverage

Uber and Lyft drivers are covered by Clearcover’s insurance. However, delivery services like Uber Eats, Doordash, and Grubhub are not included in this endorsement.

Alternate transportation coverage

There are a lot of companies that provide rental car reimbursement, but Clearcover goes one step further by providing an allowance for transportation costs in the event that a covered claim renders your automobile unusable. Transportation costs such as public transportation, ridesharing, and rental cars are all included here.

Roadside assistance 

Roadside assistance may be of aid if you become stuck due to a mechanical or electrical failure. This generally includes towing, flat tires, and dead batteries, among other things.

Clearcover car insurance discounts

There aren’t many vehicle insurance savings available on Clearcover’s website. The business claims to provide drivers with the most competitive prices at the beginning of each policy. Drivers may lower their insurance costs by keeping a clean driving record, paying their premiums in full upfront, and investing in auto safety equipment, according to Clearcover.

However, Clearcover does promote one deal: a 15 percent discount for active military people. Louisiana offers a 25 percent discount on insurance for those who are currently serving in the military.

Clearcover mobile app review

As a technology-driven insurance company, Clearcover’s website and mobile app offer a lot of functionality while yet being simple to use. Both the Apple App Store and Google Play have rated the app 4.7 stars as of September 2020, according to the statistics. Clearcover also promotes a prize for outstanding mobile development achievement.

To store identification cards, look at coverage choices, and even handle claims, policyholders can use the Clearcover mobile app. The majority of the claims process is handled using the smartphone app. A claims adjuster will call you to discuss the next steps once you file your claim. Almost all disputes are settled within a week, according to the business.

As an added bonus, the app provides quick and easy access to the current state of Clearcover’s roadside help, Honk. Manage your car insurance with ease using the Clearcover app, which includes online bill payment and a slew of other features.

Additional lines of insurance

Clearcover does not offer insurance for renters or homeowners. When it comes to house insurance, Clearcover has a relationship with Hippo, a technology-focused insurance company.

Clearcover review: Is Clear Coverage insurance right for you?

This new entry to the insurance sector, Clearcover, is growing quickly. Because Clearcover has not yet received external ratings from respectable agencies such as J.D. Power or AM Best, some people may be concerned about the company’s infancy. Customers have generally been pleased with Clearcover, as evidenced by the company’s A+ rating from the Better Business Bureau.

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