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Clearcover Insurance Coverage Options and Ratings in 2020

Clearcover insurance review 2020


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3.5 Rating from The Zebra

Clearcover is a car insurance company founded in 2016. Describing itself as the “Southwest Airlines of the car insurance industry,” the company places a focus on technology and customer service. Through its mobile app, Clearcover promises an easy claims process and affordable auto insurance rates. Clearcover is a relative newcomer in the insurance space, though the company has recently expanded its presence to eight U.S. states.

Read our Clearcover insurance review to see if it's the right car insurance company for you.


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J.D. Power Rating — N/A: J.D. Power has not yet rated this company.

Financial strength — N/A: AM Best has not yet rated this company.

NAIC Rating — Fewer complaints than average: The National Association of Insurance Commissioners (NAIC) registered fewer complaints than average for Clearcover.

J.D. Power Rating — N/A: J.D. Power has not yet rated this company.

Financial strength — N/A: AM Best has not yet rated this company.

NAIC Rating — Fewer complaints than average: The National Association of Insurance Commissioners (NAIC) registered fewer complaints than average for Clearcover.

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Clearcover car insurance coverage 

Clearcover provides car insurance with an emphasis on affordability and an easy claims experience. Most interactions occur through the company’s website or its easy-to-use mobile app, with more complicated claims handled over the phone. The company does not employ conventional insurance agents, so those wanting a personalized agent experience may not like Clearcover. Drivers without a smartphone are not encouraged to seek coverage from this company.

Clearcover is in the process of expanding its footprint. The company sells policies in the following states:

 

Car insurance options through Clearcover

Clearcover provides all the auto insurance options that you would expect from most major carriers, including the following:

 

Car insurance add-ons

Clearcover doesn’t have an extensive list of additional coverages (otherwise known as endorsements) but many drivers may consider the following coverage add-ons helpful.

 

Rideshare coverage

Clearcover provides rideshare coverageforUberor Lyftdrivers. However, this endorsement does not extend to delivery driver servicessuch as Uber Eats, Doordash, or Grubhub. 

Alternate transportation coverage

Though many other carriers offer similar coverage in the form of rental car reimbursement, Clearcover has expanded this coverage somewhat, providing a daily allowance for transportation costs after a covered claim that renders your vehicle undrivable. This covers costs associated with public transportation, ridesharing services, or rental cars. 

Roadside assistance 

Roadside assistance can help if you find yourself stranded due to a mechanical or electrical malfunction. This typically covers towing, flat tires, dead batteries and similar circumstances.

 

Clearcover car insurance discounts

Clearcover doesn’t list verymany car insurance discountson its website. The company claims to offer drivers the lowest possible rate at the onset of each policy. Clearcover advises that drivers can maintain lower rates by keeping a safe driving record, paying your insurance premium upfront, and investing in certain vehicle safety features.

The one discount Clearcover doescall out is its active military personnel discount, offering service members a 15% discount. Active duty armed service members in Louisiana receive 25% off on their insurance premiums.

 

Clearcover mobile app review

As a technology-driven insurance company, Clearcover's website and mobile app are rich with features and relatively easy to use. The app boasts high reviews from both the Apple Store and Google Play, both at 4.7 out of 5 stars, as of September 2020. Clearcover also touts an award for outstanding achievement in mobile development.

The Clearcover mobile app allows policyholders to easily store their ID cardsreview their coverage options, and even file claims. The claims process is done primarily through the mobile app. After submitting your claim, policyholders are contacted by a claims adjuster to continue with the next steps. The company says most claims are settled within one week.

The app also provides easy access to Clearcover’s roadside assistance progress, Honk. With online bill-pay and a number of other features, the Clearcover app offers a relatively easy way of handling your car insurance. 

 

Additional lines of insurance

Clearcover does not offerhomeowners or renters insurance. Clearcover partners with Hippo, another technology-focused insurance company, that can provide homeowners insurance.

 

Clearcover review: is Clearcover insurance right for you?

Clearcover is a growing company and a promising new player in the insurance space. Some may find the company’s young age worrisome, as Clearcover does not yet have outside ratings from trusted sources such as J.D. Power or AM Best. However, Clearcover's customer reviews are largely favorable and its rating from the Better Business Bureau is high.

If you are currently concerned your insurance rates, the best thing to do is to compare quotes. The Zebracan help you find a new car insurance policy with better coverage and competitive rates. Enter your ZIP below to compare auto insurance quotes side-by-side from the nation’s top carriers.

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.

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