Clearcover car insurance: Mar 2021 review | finder.com
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Clearcover car insurance review Mar

Last updated:  

Minimize your rates with basic coverage from a new, tech-based company.

finder.com's rating: 3 / 5

★★★★★

  • Get a quote if you’re a tech-savvy customer with basic coverage needs.
  • Pick something else if you want to bundle or don’t live in the company’s service area.

optional

Roadside assistance

New car protection

Accident forgiveness

Details

States served Arizona, California, Illinois, Louisiana, Nebraska, Ohio, Oklahoma, Texas, Utah, Wisconsin
Roadside assistance Optional
Accident forgiveness No
New car protection No
Pay schedule 6 months, Monthly
Claims methods online, email, phone
Rideshare coverage Yes
SR-22 support No

Pros

  • Online company
  • Lower-than-average rates
  • Quick, easy claims
  • Rideshare coverage

Cons

  • No physical offices
  • No gap coverage
  • Available in limited states
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount Yes
Good student discount No
Loyalty discount No
Homeowner discount Yes
Military discount Yes
Safety device discount Yes
Special employment discount No
Usage-based discount No

Expert review

Sarah George

Review by


Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert review

Clearcover is a new, online-based company with a minimalist approach to coverage and business expenditure, which means more savings for its customers. However, the company’s tech-based model only works for some people, and it may need more time to prove its dependability as an insurer. Go for Clearcover if you have simple insurance needs and don’t mind keeping most communication online.

How to apply for Clearcover car insurance

Get going with Clearcover insurance by getting a quote online or by phone:

  1. Start a quote online by going to the homepage and clicking Get a quote. Or simply call 855-243-2221 to speak with a customer advocate.
  2. Fill in your personal information, named drivers and vehicle details.
  3. Choose coverage and receive your quote.
  4. Fill in payment information and finalize your new policy.

What info do I need to apply?

Speed through your Clearcover quote with several pieces of information:

  • Home address and phone number
  • Driver’s license number
  • Vehicle make, model and license plate or VIN
  • Driving record
  • Policy needs
  • Bank account or credit card information

What discounts can I get with Clearcover?

According to the website, discounts you may get, such as safety features, are built into your rate automatically. Clearcover claims that because it offers online-based insurance, it doesn’t cost as much to operate. Clearcover can then transfer those savings to its customers through lower rates.

What car insurance coverage does Clearcover offer?

Clearcover goes with a minimalist approach across the company, but the basics are all protected. Those include:

  • Property damage liability. Cover damage you inflict to another person’s vehicle or property.
  • Bodily injury liability. Help those involved in an at-fault accident with medical bills.
  • Uninsured/underinsured motorist. Protect you and your ride from drivers without enough insurance to cover you after an accident.
  • Medical payments. Pay for medical injuries for you and your passengers. This coverage also protects you from injuries incurred by another driver while you’re walking or biking.
  • Collision. Repair or replace your vehicle after an accident with another car or a single car accident like a rollover or guardrail collision.
  • Comprehensive. Protect your car from out-of-the-ordinary accidents, such as theft, vandalism, weather damage or falling objects.

What extra benefits and add-ons does Clearcover offer?

The company’s main benefit is a no-fuss approach to insurance that transfers savings to its customers. The approach involves using technology to get your policy started and minimizing overhead expenses like advertising.

It also includes several helpful add-ons, such as:

  • Roadside assistance. Pay for roadside service expenses like towing or assistance when you experience a breakdown, battery failure, lockout or simply run out of gas.
  • Alternate transportation. Get $30 per day in cash to use on your choice of transportation while your car is in the shop. You can even choose a rideshare service or public transportation. This is just like rental car coverage but extends to any type of transportation you choose.
  • Ridesharing endorsement. This extends all coverage from your personal policy to your ridesharing work from the time you turn on the app until you pick up a passenger.
  • Mobile app. Clearcover boasts innovative technology like its app, using AI to help you get the coverage you need.

Clearcover car insurance reviews and complaints

This new startup doesn’t have a long history of reviews, but current customer reviews tend to be positive. Clearcover is accredited with the BBB and has an average 4 out 5 star rating out of 32 reviews as of October 2020. Trustpilot also gives Clearcover 4 out of 5 stars out of 196 customer reviews, and Clearcover has responded to all negative reviews within 2 days so far.

The biggest perk of switching to Clearcover that customers mention is the savings on their annual premium. Many drivers report saving anywhere from $300 to $1,000 a year.

A handful of reviewers report Clearcover has a lengthy claims process, with claims taking weeks to be resolved, despite the company’s announcement that the average claim takes minutes or hours to complete. Keep in mind this is a typical complaint of nearly every insurer, and many people who write reviews had an exceptionally good or bad experience.

Compare alternatives to Clearcover

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.
Root
52%
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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More alternatives to Clearcover

Pros and cons of Clearcover car insurance

Pros

  • Tech-savvy. Clearcover uses artificial intelligence to personalize your insurance policy. It also has an app for policy management and claims.
  • Potential savings. Due to its minimal business model, the company states that it transfers savings to its customers.
  • Minimizes overhead. Clearcover spends on its business where it’s most needed rather than on wasteful advertising or even traditional offices.
  • Quick, easy claims. The company speeds up claims through its mobile app. You can often receive a damage estimate within a few minutes or hours when uploading app photos, and you could get your claim paid out within 30 minutes.
  • Rideshare coverage. Clearcover stays current with rideshare insurance needs.

Cons

  • Mostly online experience. Though Clearcover does partner with some local agents, most customers do all account management and claims either online or by phone.
  • Limited service area. Clearcover only serves Arizona, California, Illinois, Louisiana, Nebraska, Ohio, Oklahoma, Texas, Utah and Wisconsin, but it does continue to expand quickly to other states.
  • No bundling. It’s car insurance only for Clearcover customers for now.

How to make a claim with Clearcover

Although Clearcover is based online, you can choose to file through the app, by email or a phone call. Clearcover claims to be able to process claims and get you paid within minutes or hours.

  • App. To file a claim online, click Claims and fill in accident details. A representative will contact you for more details within 24 hours.
  • Email. Send your account of accident events, damage description and any photos to claims@clearcover.com
  • Phone. Get in touch with a Customer Advocate at 855-444-1875 Monday through Friday, 9 am to 9 pm CT.

Frequently asked questions about Clearcover car insurance

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