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Introduction
Clearcover is a young generation insurance provider with all its processes streamlined digitally. It provides exclusive car insurance, with maximum savings even without bundling the policies. The AI-powered technology that drives this insurance lets customers virtually claim policies and connects to policyholders without agents. This enables them to keep the rates low, allowing the policyholders to save better.
Clearcover car insurance offers extra car coverage for Uber and Lyft drivers. Currently functional in 20 states, Clearcover is set to operate in Nevada and North Carolina. Being relatively young, is Clearcover car insurance reliable? How much does Clearcover insurance cost? Read about Clearcover insurance, its features, and how they provide lower premium rates.
Pros and Cons
| PROS | CONS |
|---|---|
| User-friendly mobile app and website | Limited to car insurance |
| Cheap and affordable | Unavailable bundle options and discounts |
| Flexible alternate transport coverage | Operational in a few states |
| Provides rideshare insurance | |
| 15% discount for military members |
Unique Clearcover Auto Insurance Features
Clearcover car insurance offers the following unique features to its customers.
| Unique Features | What does it do? |
|---|---|
| Clearcover mobile app | Clearcover allows its customers to manage their policies through the mobile application. They use artificial intelligence to streamline their functions and customize policies. |
| Savings without bundling policies | Though limited to car insurance, their minimalist business model and minimized overhead costs aid in faster payment of claims and savings to the customer. |
| Quick Claims | Clear AI verifies the eligibility of coverage immediately, resulting in quick payment of claims. |
| Rideshare coverage | Clearcover policy can be usedif you drive an Uber or Lyft car. |
| Alternate transport coverage | Clearcover allocates its policyholders a specific amount of money following an accident. This can be used to rent a car, pay for Lyft or Uber journeys, or for public transportation. |
Clearcover Car Insurance Coverages
Even without many additional options, see all your coverage options with Clearcover. The providers offer all the typical car insurance coverages.
- Liability coverage: The medical expenses and the lost income of people in an at-fault accident is covered by Clearcover's liability coverage. It also covers the legal expenses if you are sued for a car accident.
- Property damage coverage: This covers the expenses caused by the holder to another person's car or property.
- Collision Coverage: Any damage caused to your car due to a rollover or a collision is covered through this.
- Comprehensive Coverage: This covers the cost of replacement or repair of your vehicle caused due to weather, fire, or vandalism.
- Personal Injury Protection: It contributes to the payment of medical bills and other health care expenses if you or your passengers are harmed in an accident, regardless of who is at fault. Additionally, it may cover funeral expenses and lost wages and cover the cost of services like child care.
- Medical Payments: It does not cover the broad services that personal injury protection offers. Instead, it covers the medical and funeral expenses related to the accident.
- Uninsured and Underinsured Motorist Coverage: This covers the medical and property damage costs for a driver with less or no insurance at all.
Clearcover Extra Car Coverages
- Alternate Transportation Coverage: This will provide you with an allowance of around $30 per day which can be used on your choice of transportation, not limited to rental cars, while your car is under repair.
- Rideshare Coverage: Clearcover allows the use of personal coverage in your Uber or Lyft drives till you pick up your passenger for the ride. This cannot be used for food delivery services.
- Roadside Assistance: Breakdowns, flat tires, mechanical failures, or any damage that requires towing will be assisted by Clearcover's roadside assistance. It covers 3 emergencies for each six-month policy.
How much does Clearcover Insurance cost?
The average cost of a monthly minimum coverage of a Clearcover policy is $131 and for a full coverage policy, it is $185. The average annual policy rate with minimum insurance coverage is $1391, and for full coverage, it is $1996. Find low-cost car insurance deals from Clearcover for your car and choose the best coverage.
Clearcover Average Annual Premium by State
The premium for your car insurance varies based on the state, therefore, it is best to start comparing plans for your ZIP code. Find the average insurance rates for each state in the table below.
| State | Average Annual Premium |
|---|---|
| Alabama | $1589 |
| Arizona | $1741 |
| California | $1733 |
| Georgia | $2057 |
| Illinois | $1533 |
| Indiana | $1286 |
| Kansas | $1786 |
| Kentucky | $1803 |
| Louisiana | $1269 |
| Maryland | $2343 |
| Missouri | $1675 |
| Mississippi | $1844 |
| Montana | $818 |
| Nebraska | $1566 |
| Ohio | $1447 |
| Oklahoma | $1573 |
| Pennsylvania | $1857 |
| Texas | $1912 |
| Utah | $1424 |
| Virginia | $1701 |
| Wisconsin | $1526 |
| West Virginia | $1825 |
Clearcover Annual Rate Based on Age
| Age Group | Average Annual Premium |
|---|---|
| 18-20 | $2433 |
| 21-24 | $2039 |
| 25-34 | $1793 |
| 35-44 | $1690 |
| 45-54 | $1628 |
| 55-64 | $1546 |
| 65+ | $1695 |
Clearcover Auto Insurance Discounts
Clearcover is a minimalist insurance company that focuses on payment of claims, raising policies, and customer service through its customized AI-powered mobile application and website. The absence of agents lets them keep their premiums low. Hence, the discounts they offer are limited. But they provide lower rates by catering to factors like car safety features, driving history, and premium payment history.
However, Clearcover provides discounts to active military personnel. For example, it offers a 15% discount to active military members and a 25% discount for active drivers belonging to Louisiana and to their children below the age of 25. Also, compare other customer-rated insurers with Clearcover to learn the advantages.
Clearcover Customer Feedback
The quick payment of claims and a smooth digital experience are the major positives of Clearcover insurance. Apart from their warm customer service, the reduced premiums and the accelerated virtual claim policy work well for the customers.
Way.com Summary
Clearcover car insurance is for those who are looking exclusively for car insurance. The highlighted digital interface without any insurance agents is also a smooth experience. Clearcover is not an option for those looking to bundle their insurance policies or for discounts, though they have impressively low premium rates. The coverage area currently limited to 20 states could be a concern to some. However, Clearcover pays its claims on time and is an apt choice if you are looking for a flexible, affordable, and clutter-free insurance policy.
About Clearcover Auto Insurance
Clearcover is a digital-based car insurance firm founded in 2016by Kyle Nakatsuji and Derek Brigham, headquartered in Chicago. This AI-driven insurance provider is one of a kind in its approach, interface, customer service, filing, and claiming policies. In addition, Clearcover is financially stable and works with Littleton Group for claims processing.
Inspired Underdog, a program for college athletes who haven't received their sports scholarships, was launched by Clearcover. Those under-dog student-athletes stand a chance to win a scholarship worth $10000 through this initiative.
INSURANCE AGENT EXPERTS
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Frequently Asked Questions
Which states does Clearcover insurance cover?
Clearcover is currently operational in 20 states, namely, Alabama, Arizona, California, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Nebraska, Ohio, Oklahoma, Pennsylvania, Texas, Utah, Virginia, West Virginia, and Wisconsin.
Is Clearcover insurance good?
Clearcover is a relatively new insurance company. It is financially stable, pays insurance claims quickly, and offers lower rates without discounts.
How long has Clearcover been in business?
Clearcover was launched in 2016 by Kyle Nakatsuji and Derek Brigham. Functional in 20 states, it has its headquarters in Chicago.
Does Clearcover have GAP insurance?
Clearcover is a car insurance firm and does not offer umbrella insurance. However, it offers minimum liability, collision, and comprehensive coverage but doesn't offer GAP insurance.
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