Clearcover insurance review 2021
Clearcover is a car insurance company founded in 2016. Describing itself as the “digital insurance for the digital consumer,” 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 ten U.S. states.
Read our Clearcover insurance review to see if it's the right car insurance company for you.
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.
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:
- Bodily injury and property damage liability
- Medical payments
- Comprehensive coverage
- Collision coverage
- Uninsured motorist coverage (property damage)
- Uninsured/underinsured motorist coverage (bodily injury)
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 coverage for Uber or Lyft drivers. However, this endorsement does not extend to delivery driver services such 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 very many car insurance discounts on 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 cards, review 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 offer homeowners or renters insurance. However, 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 about your insurance rates, the best thing to do is to compare quotes. The Zebra can 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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