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A relatively new insurance company, Clearcover offers AI-based insurance and limits its advertising budget to provide lower prices to customers.
Who Benefits Most and Least from Clearcover Insurance?
- Drivers who want tech-focused insurance
- Shoppers looking for useful add-ons like rideshare coverage
Not the Best For…
- Anyone living outside of Arizona, California, Illinois, Louisiana, Ohio, Texas, Utah, and Wisconsin
- People who appreciate a quick, easy claims process
Clearcover: Smarter coverage for the modern driver
Clearcover was founded in 2016 and focuses on providing AI-based insurance for tech-forward drivers. The company claims its smaller advertising budget provides customers with cheaper policy options compared to other insurance companies. It offers customers a full range of basic coverage options most drivers need, as well as useful add-ons like rideshare coverage and alternate transportation coverage. Its claims process, however, has come under fire on most consumer review websites for being slow and unhelpful.
Clearcover Car Insurance Quotes and Discounts
You should always compare quotes and look up discounts before purchasing an auto insurance policy. You might find a much better deal, and seemingly expensive policies could end up being very affordable after applying discounts.
It might seem like a long, arduous process to look up quotes and discounts on every company’s website just to write them down on paper and compare. But the same process only takes minutes on comparison websites like Insurify, which lets you compare insurance quotes across up to 20 different companies.
Auto Insurance Quotes Comparison: Clearcover vs. Competitors
To see how Clearcover’s prices compare with those from its competitors, Insurify’s data team stacked up car insurance quotes from Clearcover, GEICO, and Esurance.
The following are quotes for a 30-year-old female driver with a clean driving record, in San Jose, CA.
These are the quotes for the same driver, but this time with a speeding ticket on record:
Finally, these are the quotes for the same driver with a clean record and an add-on for rideshare coverage:
Insurance company Quote
Clearcover seems to offer some of the cheapest quotes for this specific driver profile. But it may not have the cheapest quotes for you since quotes can vary greatly depending on factors like where you live and your driving record. Consider using a quote comparison website like Insurify, which lets you compare quotes from several companies so you can get the best deal for the lowest price every time.
Drivers Can SAVE with these Discounts from Clearcover
Clearcover offers a range of discounts to drivers with anti-theft safety features, passive restraint devices, multiple vehicles, and clean driving records; those who have taken a driver training course; and members of the military.
Clearcover’s discounts vary broadly based on your state, so you should check in with a Clearcover representative to see which ones you’re eligible for.
States Where Clearcover Car Insurance is Offered
Clearcover currently offers coverage in Arizona, California, Illinois, Louisiana, Ohio, Texas, Utah, and Wisconsin and has plans to expand to all 50 states.
Click here to find the cheapest car insurance quotes in your state.
Clearcover Auto Insurance Coverages
Although Clearcover is relatively new to the insurance industry, it offers all the basic insurance coverages you need to protect your car:
- Liability (Bodily Injury/Property Damage) Coverage
Liability insurance protects you in case you’re found legally responsible for damage to someone else’s property or person. All states except New Hampshire require you to have this coverage, and it only helps you pay for damage repairs and medical bills for the person you’re responsible for injuring, not your own.
- Medical Payments Coverage
This type of coverage helps you pay for medical bills you and your passengers might incur if you’re in an accident. This coverage applies regardless of whether or not you were at fault in the accident.
- Collision Coverage
This type of insurance covers any instance where your car hits another car or object. So if you hit a tree or someone else’s car, Clearcover would help you cover repairs to your vehicle, or help you replace it if it’s totaled.
- Comprehensive Coverage
Comprehensive coverage, also known as “other than collision” coverage, covers any damage to your car that wasn’t the result of a collision with another vehicle or object. So if your vehicle sustains damage due to theft, vandalism, fire, flood, or hail, comprehensive coverage would help you pay for the repairs.
- Uninsured/Underinsured Motorist (Bodily Injury/Property Damage) Coverage
This type of accident helps you pay for vehicle repairs and medical bills that were a result of an accident where the at-fault party either didn’t have any insurance or didn’t have enough to cover all of your bills. This type of coverage also covers damages to your vehicle and your medical bills if you were the victim of a hit-and-run accident.
Other Special Auto Coverages Offered by Clearcover Insurance
In addition to offering traditional car insurance coverages, Clearcover also offers coverages that best suit the modern driver:
If your car is damaged in a covered accident, most insurance companies will provide rental car coverage, so you can rent a car in the interim while your vehicle is at the repair shop. Instead of helping you pay for a rental car, Clearcover offers Alternate Transportation coverage, which means they’ll give you $30 a day (for up to 30 days) for transport while your vehicle is at the shop. You can decide if you’d instead use that money for carpooling, ridesharing, taking public transportation, or, of course, temporarily renting a car.
Nothing’s worse than being stuck by the side of the road in the middle of nowhere and not knowing who to call. If you purchase Clearcover’s roadside assistance coverage, Clearcover will send someone to help you in case you’ve got a flat tire, your battery has failed, you’ve locked your keys in your car, or you’re running out of gas. If your vehicle has a mechanical or electrical breakdown and needs to be sent to a repair shop, Clearcover will tow your car to the nearest approved service provider. If you choose a repair shop provider that isn’t approved by Clearcover, the company will only pay you $50 of your costs.
Other Insurance Products Offered by Clearcover Insurance
Currently, Clearcover sells only car insurance; it doesn’t provide life, renters, or homeowners insurance coverage.
How Can I Buy Auto Insurance from Clearcover?
Clearcover prides itself on having a quick and easy online shopping experience. You can visit its website, get a quote, and sign up for a policy online without having to call anyone.
If you’d prefer to call someone, you can call to speak to a Clearcover representative.
How Can I Pay for My Clearcover Car Insurance Policy?
You can pay for your auto insurance policy through Clearcover’s mobile app. Clearcover currently accepts payment through credit/debit card and checking account transactions.
If you sign up for auto-pay with Clearcover, it will automatically renew your policy for another six months at the end of your policy. Clearcover doesn’t currently offer 12-month premiums.
How Often Will Clearcover Increase My Premiums?
We all know that sinking feeling when a seemingly great premium is $100 more expensive when it’s time to renew your policy. While many insurance company reviews cite sudden and unexpected price changes, reviews for Clearcover seldom complain about price increases.
Of course, that is not to say your premium won’t ever increase. Here are a couple reasons you might be facing a higher premium:
After an accident
Clearcover won’t necessarily raise your insurance premium if you get into an accident and file a claim, but it’s still a probability, even if you weren’t the at-fault party. The rate increase is heavily dependent on the claim you file. Think about it this way: the higher your claim is, the more Clearcover has to pay to cover damages, and you move into a higher risk pool.
This might lead you to reconsider filing a claim next time your car is damaged. If the cost to repair your vehicle is about the same as the deductible you have to pay before your insurance kicks in, you might want to cover the expenses out-of-pocket. However, if the cost of repairing your car is significantly higher than your deductible, you should definitely file a claim—that’s what insurance is for, after all!
Note that Clearcover does not offer an accident forgiveness program.
After a violation
If you were convicted of a moving violation like speeding or driving under the influence, you move into a higher risk pool, and it will cost more to insure you. Therefore, Clearcover may increase your insurance rate.
If you’re no longer eligible for a discount
If you are no longer eligible for a discount that previously made your premium lower, Clearcover may increase your rate.
If you move to another ZIP code
Factors like crime rate and incidence of natural disasters where you live impact your insurance. So if you happen to move from a suburban area with low crime rates to a city with high crime rates, the possibility of your car getting stolen is higher, so Clearcover might increase your rates.
If your insurance premium significantly increases at policy renewal, consider comparing insurance quotes on Insurify. Who knows, you might find a cheaper quote from a different company!
How Does Clearcover’s Claims Process Work?
Getting into an accident can be frustrating, and dealing with the aftermath even more so. The first thing you should do is make sure everyone is safe, and call 911 if anyone needs medical attention.
Filing the claim
Once you’ve made sure everyone injured has got medical attention, you can file claim with Clearcover by opening the app and clicking on “Claims.” Make sure you take plenty of pictures of all the cars damaged. You can file a claim through the app 24 hours a day, seven days a week. A claims representative should get back to you within 24 hours to further discuss the claim and how the process should pan out.
You could also email Clearcover at firstname.lastname@example.org.
If you’d prefer to talk to a Clearcover representative to file your claim, you can call Monday through Friday between 8 AM and 9 PM (Central Time).
Clearcover doesn’t give a concrete timeline on how long it takes to resolve or payout claims.
Determining coverage eligibility and estimating losses
First, Clearcover will have to determine whether your accident is covered under your current policy. Depending on the nature of the accident, this has to do with whether you have collision, comprehensive, uninsured motorist, or medical payments coverage. Then a claims adjuster should visit your home to check out the damage to your car. and get back to you in a few days with an estimate of how much it’ll cost to fix your vehicle.
Payment and repair
After Clearcover has sent over an estimate of how much it’ll cost to fix your vehicle, they’ll either mail you a check or transfer funds to your bank account. You can then take your car to any repair shop of your choosing. If the repair shop finds additional damage, it can file for a supplement through Clearcover’s estimating partner, Snapsheet. Clearcover includes details on how to file for a supplement in your estimate.
Claims for glass damage
If a covered incident results in damage to your windshield, windows, or other glass on your vehicle, you can file a claim through the app and select “Glass Damage Only.” Alternatively, you can call and select “claims,” then “glass claims.” Safelite, Clearcover’s “glass partner” will handle your glass claim.
How Can I Cancel My Clearcover Car Insurance Policy?
If you’re unsatisfied with your Clearcover policy, you can cancel your policy by calling or emailing email@example.com. To avoid cancellation fees, you should cancel your policy at the end of a policy term.
Remember, it’s illegal to drive without insurance, so you should have another insurance policy lined up for the exact day you cancel your Clearcover policy.
If price was your primary concern, you should consider using a quote comparison website like Insurify, which lets you compare car insurance quotes across up to 20 different companies.
How Much Does Uber/Lyft Coverage Cost with Clearcover?
If you drive for a rideshare company like Uber or Lyft, it’s probably worth your while to purchase rideshare coverage. Typically, your personal insurance stops the minute you open a rideshare app and are waiting for a passenger.
Rideshare companies’ commercial insurance covers you and your car when you’re driving to or transporting a passenger. The time in between you opening the app and accepting a passenger is covered neither by your personal policy nor the commercial policy (known as period 1).
Clearcover offers a “Rideshare Endorsement,” which extends your personal Clearcover car insurance so that you’re covered during period 1. The rideshare endorsement, however, doesn’t cover you after you’ve accepted a passenger and are going to pick them up. It also doesn’t include food or product delivery.
Insurance Companies Similar to Clearcover
Clearcover is a relatively new insurance company that focuses on providing insurance to the “modern driver” through technology primarily. This is similar to other tech-forward companies targeting a similar demographic, like Esurance, as well as other regional providers like Mercury and Infinity.
According to Insurify’s internal database of over 2 million car insurance applications and analysis of external sources, people who now hold Clearcover auto insurance policies switched over from these companies:
- State Farm
And those who previously held Clearcover auto insurance policies most often switched to the following companies:
- 21st century
- Clearcover (after finding an even better quote on Insurify!)
Clearcover Customer Satisfaction and Policyholder Reviews
Clearcover reviews range from very happy to very upset, with a majority of positive reviews talking about the low prices, good customer service, easy to understand policies and a quick sign up process:
Negative reviews, on the other hand, almost exclusively complained about the claims process, which seems to be time-consuming and troublesome. Clearcover’s claims process is handled by the Littleton Group, which has an A- rating from the Better Business Bureau but a one-star Yelp rating.
Clearcover Mobile App Review
Clearcover’s app certainly lives up to its tech-forward and modern reputation.
The Clearcover app allows users to view policy information, insurance IDs, make payments and change payment methods, file and track claims, request roadside assistance, and chat with customer advocates about policy questions.
User experiences vary based on whether you have an Apple or Android phone, with Apple users seemingly having a better experience given the higher app rating. Reviewers on both app stores, however, complain about issues with the payment function on the app, with many requesting an option for manual payments rather than automatic payments.
|App store||Ratings (Out of 5)||User reviews|
|Mobile App (iOS)||4.7||647|
|Mobile App (Google Play)||4.7||289|
This depends on what you want from your insurance company. If you want an insurance company with cheaper rates and a focus on digital technology, Clearcover might be a good choice for you. Clearcover boasts a 93% customer satisfaction rate (out of 1,000 responses), and prides itself on being able to pay most claims in under a week—some in as little as one or two days. You can’t always rely on one company to always have cheaper quotes than the rest. Quotes are heavily dependent on factors like your age, driving record, and ZIP code and some insurance companies have cheaper rates for certain driving records than others. For the driving profile we ran, Clearcover usually returned one of the lowest quotes. But that doesn't guarantee that it'll have the cheapest quotes for you too. Consider using an insurance quotes comparison website like Insurify, which lets you compare personalized quotes so you can find the best deal for the cheapest price. In short: You don’t. Each company is going to claim to give you the lowest rates possible, but you can’t really trust any of them. Instead of banking on one company to always churn out the cheapest rates, you should compare quotes across multiple companies. This may seem like a long, tiring task, but it doesn’t have to be. Consider using a quotes comparison website like Insurify, which lets you compare quotes across up to 20 companies at a time. That way, you can make sure you’re getting the cheapest rates every time!
Frequently Asked Questions: Clearcover Car Insurance
Does Clearcover have good insurance?
Does Clearcover have cheaper rates than GEICO, Progressive, or Esurance?
How do I know if Clearcover has the cheapest quotes?
This depends on what you want from your insurance company. If you want an insurance company with cheaper rates and a focus on digital technology, Clearcover might be a good choice for you. Clearcover boasts a 93% customer satisfaction rate (out of 1,000 responses), and prides itself on being able to pay most claims in under a week—some in as little as one or two days.
You can’t always rely on one company to always have cheaper quotes than the rest. Quotes are heavily dependent on factors like your age, driving record, and ZIP code and some insurance companies have cheaper rates for certain driving records than others. For the driving profile we ran, Clearcover usually returned one of the lowest quotes. But that doesn't guarantee that it'll have the cheapest quotes for you too. Consider using an insurance quotes comparison website like Insurify, which lets you compare personalized quotes so you can find the best deal for the cheapest price.
In short: You don’t. Each company is going to claim to give you the lowest rates possible, but you can’t really trust any of them. Instead of banking on one company to always churn out the cheapest rates, you should compare quotes across multiple companies. This may seem like a long, tiring task, but it doesn’t have to be. Consider using a quotes comparison website like Insurify, which lets you compare quotes across up to 20 companies at a time. That way, you can make sure you’re getting the cheapest rates every time!
Is Clearcover the cheapest car insurance in your area?
You can never rely on just one company to give you the best or the cheapest car insurance quote. Just because Clearcover had an excellent deal for your friend doesn’t mean it’ll have the same deal for you.
That’s why it’s essential to do your research and compare quotes among other insurance companies. This can be time-consuming, but Insurify helps you compare auto insurance quotes in a matter of minutes. All you have to do is put in some basic information about your driving profile, and you can compare up to 20 quotes at once for free!
Clearcover Auto Insurance Overview
Clearcover, Inc. was founded in 2016 by co-founders Kyle Nakatsuji and Derek Brigham. While the company is relatively new, its founders bring a wealth of industry knowledge that makes it a reliable option for those looking for cheap car insurance.
In fact, Brigham started out as an insurance agent and subsequently held positions at CUNA Mutual Group and American Family Insurance, while Nakatsuji pioneered the venture capital team at AFI.
Nakatsuji and Brigham have used their industry expertise to create an AI-based insurance company out of Chicago, Illinois, with a small advertising budget that enables them to pass on lower prices to customers.
Clearcover Contact Information
|Customer service phone number||1 (855) 444-1875
|Customer service email address||Online form
|Headquarters address||33 W Monroe, Chicago, IL 60603|
|Claims service phone number||1 (855) 444-1875