Clearcover vs Elephant: Who has better car insurance?

Clearcover and Elephant have a similar, online-based mindset, which translates into lower-than-average premiums if you’re in their service areas. Clearcover sticks to standard coverage in a handful of states and is known for an easy claims process. Elephant covers a few more states than that while tossing in a variety of discounts, especially its steep multicar discount.

So which of these online-based insurance companies fit your car’s coverage needs?

The winner: Clearcover car insurance

Both are startups offering great online experiences for tech-savvy customers, but Clearcover takes the slight edge for its rates and coverage. Cleaercover offers more car insurance discounts and slightly wider coverage, including rideshare coverage for Uber and Lyft drivers.

While both are only available in a limited number of states, Clearcover is available in California and Texas, which have the most drivers in the US. Clearcover has also been expanding, adding a new state to its umbrella every 6 to 12 months, which is great for availability and suggests a stable, growing company.

Clearcover vs Elephant car insurance features

	Read review	Go to site Read review
OVERVIEW			OVERVIEW
About the provider
About the brand	Get instant online support and score a low rate thanks to online data that sets premiums automatically.	Get a great deal online with steep discounts and some of the highest liability limits available.
States served
States served	AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV	GA, IL, IN, MD, OH, TN, TX, VA
COVERAGE			COVERAGE
Roadside assistance
Roadside assistance	Optional	Optional
New car protection
New car protection	No	No
Accident forgiveness
Accident forgiveness	No	Yes
Rideshare coverage
Rideshare coverage	Yes	Yes
SR-22 insurance
SR-22 insurance	No	Yes
Claims methods
Claims methods	online email phone	online email phone mail app
Payment schedule
Payment schedule	6 months Monthly	6 months monthly
DISCOUNTS			DISCOUNTS
Anti-theft device discount
Anti theft device discount	Yes	Yes
Bundling discount
Bundling discount	Yes	Yes
Home owner discount
Home owner discount	Yes	Yes
Military discount
Military discount	Yes	No
Multi car discount
Multi car discount	Yes	Yes
Paid in full discount
Paid in full discount	No	Yes
Safety device discount
Safety device discount	Yes	Yes
Safe driver discount
Safe driver discount	Yes	Yes
Special employment discount
Special employment discount	No	Yes - work from home
Student discount
Student discount	No	Yes
Usage based discount
Usage based discount	No	No
Learn more
Learn more	Read review	Go to site Read review

Compare alternatives to Clearcover and Elephant

Bottom line

Everyday drivers looking for a no-fuss, no-frills insurance policy might opt for a Clearcover quote. As close competition, Elephant deals business online in much the same way, but you may get the best deal here with multiple cars. Whether here or elsewhere, looking at multiple providers is a sure way to know you’re getting the best coverage and value possible.