Clearcover Car Insurance Review (2024)

Costs are on the rise, including car insurance. Why is insurance so expensive and how can you get lower rates? Clearcover car insurance might be the answer for you.

Although Clearcover car insurance is pretty new, rates are lower than average largely due to the streamlined approach and low overhead.

While many drivers find affordable Clearcover car insurance, coverage is only offered in 18 states, and rates vary. Compare multiple companies to make sure you are getting the best deal out there for you.

Keep reading our Clearcover car insurance review to learn more. Enter your ZIP code now to compare free car insurance quotes from companies in your area before you begin.

What are Clearcover car insurance rates?

Clearcover is an entirely digital car insurance company. For example, this means you can only get Cleracover car insurance quotes online and file claims through the app.

Local Clearcover agents aren’t available, which helps the company keep overhead low.

Car insurance rates are reportedly around 30% lower with Clearcover, but coverage is only available in 18 states.

To give you an idea of what rates to expect, take a look at this table. It shows average car insurance rates based on the type of coverage you choose.

Average Annual Car Insurance Rates by Coverage Level

Although rates are low, Clearcover may not be for everyone. Clearcover is not a good fit for drivers who want hands-on service or who need to bundle auto insurance with home, renters, or business coverage.

However, Clearcover is a good fit for drivers who want a simple process and prefer to do everything online.

What car insurance coverages does Clearcover offer?

Clearcover only offers car insurance, including coverages such as liability, collision, comprehensive, medical payments, and roadside assistance.

Clearcover also offers rideshare coverage. Some drivers might not be aware that their personal coverage does not extend to working for a rideshare company.

When you are on the clock with Uber, Lyft, or another rideshare company, you need extra coverage. Clearcover allows drivers to add rideshare coverage to their personal policy for a low rate.

A less common coverage offered by Clearcover is alternate transportation coverage. While almost all car insurance companies offer rental car coverage if your vehicle is damaged, Clearcover goes a step further.

Drivers get $30 a day to use for any transportation costs while their vehicle is being repaired. This includes costs for a rideshare service, taxi, rental car, and public transportation. (For more information, read our “Rental Car Insurance: Not a No-Brainer“)

What car insurance discounts are available with Clearcover?

Car insurance discounts are an easy way for drivers to significantly lower rates. Most companies offer many discounts in different categories, such as discounts based on your driving history or your car’s safety features.

However, Clearcover’s car insurance discounts are limited. For example, you can’t get a discount for bundling policies since Clearcover only offers car insurance.

Clearcover car insurance discounts include:

• Defensive driver
• Good student
• Military
• Restraint system
• Multi-car
• Paid-in-full

Check out this table of common car insurance discounts to see which discounts are normally available.

Car Insurance Discounts by Company

Even if one company offers lower initial rates, discounts can change which company is cheaper for you.

How do you cancel Clearcover car insurance?

You can cancel Clearcover auto insurance at any time, but you may be charged a fee. Since Clearcover policies are only six months long, it might be easier to switch at the end of your policy.

You can cancel coverage through the Clearcover app or by calling customer service at 1-855-444-1875. You will need to provide the name on the policy, address, policy number, and the date you wish to cancel.

If you do cancel coverage, there are some steps you should follow to make the process as easy as possible.

Follow these steps to cancel Clearcover car insurance:

• Find out when your coverage expires. If it’s soon, you might want to wait and switch instead of renewing.
• Shop around for new coverage. Every company will offer you different rates, so comparison shopping will help you find the best deal.
• Once you settle on a new company, complete the process. Make sure your start date is a day or two before your old policy ends to avoid a lapse in coverage.
• Let Clearcover know you are leaving. When you have switched to the new policy, follow up to see if you are due a refund.

Is it bad to let insurance coverage lapse?

Yes, letting your coverage lapse can lead to a host of problems. You could face fines, your vehicle being impounded, a driver’s license suspension, and even jail time.

When you do renew coverage, you will also have much higher car insurance rates. Insurance companies like to see continuous coverage and will charge you more if you have a lapse.

Read More: Car Insurance Cancellation and Non-Renewal

Navigating Clearcover Car Insurance Claims Process

Ease of Filing a Claim

Clearcover car insurance offers a streamlined and digital approach to the claims process. Customers can file claims conveniently through the Clearcover mobile app. This digital platform allows policyholders to report incidents, upload necessary documentation, and communicate with the claims team from the comfort of their smartphones.

The availability of a mobile app makes the claims process accessible and user-friendly.

Average Claim Processing Time

Clearcover takes pride in its swift claims processing. Policyholders can expect quick resolutions to their claims, with appraisals typically provided within minutes and the overall process completed in about a week. The company’s efficient claims handling minimizes the inconvenience for customers dealing with accidents or damages, ensuring a speedy resolution.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a crucial role in evaluating an insurance company’s performance. Clearcover’s track record in addressing claims and delivering payouts is generally positive. The company’s commitment to customer satisfaction is reflected in its Better Business Bureau (BBB) rating, where it received an “A” rating for its customer interaction and efforts to address complaints.

The digital nature of Clearcover’s services allows for efficient communication, which contributes to a smoother claims experience for policyholders.

Unveiling Digital and Technological Features of Clearcover Car Insurance

Mobile App Features and Functionality

Clearcover’s mobile app offers a range of features and functionalities that enhance the overall customer experience. Policyholders can use the app to obtain quotes, manage their policies, file claims, and communicate with the company’s customer service team.

The app’s user-friendly interface and intuitive design make it easy for customers to navigate and access essential insurance services at their convenience.

Online Account Management Capabilities

Clearcover provides policyholders with robust online account management capabilities. Through the company’s website and mobile app, customers can access their policy information, view billing details, make payments, and update their coverage preferences.

The online account management system empowers policyholders to have greater control over their insurance policies, ensuring transparency and ease of use.

Digital Tools and Resources

Clearcover offers a suite of digital tools and resources to help customers make informed decisions about their car insurance. These resources may include educational materials, policy comparison tools, and online resources to answer common insurance-related questions.

By providing these digital tools, Clearcover aims to empower its customers with the knowledge they need to choose the right coverage options and make the most of their car insurance policies.

What are the Clearcover car insurance ratings?

When you’re picking a car insurance company, ratings are as important as rates. You need to know you can depend on your insurance company.

A.M. Best rates companies on financial stability. The Clearcover car insurance company has only been around since 2016 and hasn’t earned a rating yet.

However, Clearcover’s underwriter Fortegra has received an A- rating showing an excellent ability to meet financial obligations.

Clearcover has earned a Better Business Bureau (BBB) rating. The BBB rates companies on customer interaction and Clearcover received an A rating. Clearcover is also accredited, showing a willingness to address customer complaints.

Since Clearcover uses an app for insurance needs, ratings are very important. The Clearcover app received a 4.7/5 rating in both the Apple App and Google Play Stores.

Clearcover Car Insurance: The Bottom Line

Clearcover offers simplified car insurance to drivers in 18 states. However, the company is completely digital, so you don’t have a local agent to meet with.

Drivers who want to bundle policies, meet face-to-face to discuss insurance needs, or who don’t have a smartphone won’t find what they need with Clearcover.

Before you buy Clearcover car insurance, shop around. Compare rates and ratings to determine which car insurance company can give you great coverage with low rates.

We hope you’ve learned what you need to know about Clearcover auto insurance. Enter your ZIP code now to compare car insurance quotes from companies near you for free.