Clearcover Car Insurance Review for 2024

If you are looking for affordable car insurance, consider Clearcover. Clearcover car insurance is entirely digital, which means streamlined coverage and lower rates.

However, Clearcover isn’t available everywhere, and there are no local agents to meet with face-to-face.

Before you buy Clearcover car insurance, shop around to see if another company offers a better deal. Compare rates and discounts to find the cheapest coverage for you.

Read our Clearcover car insurance review to learn whether or not it’s the best company for you. Enter your ZIP code now to compare free car insurance quotes from companies near you.

Clearcover Insurance Average Monthly Rates vs U.S. Average

Clearcover Car Insurance Costs: Affordable Premiums for Your Coverage

Clearcover Car Insurance stands out as a digital insurance provider offering cost-effective solutions for drivers across various states. Their commitment to streamlined, online processes allows them to provide car insurance at rates that often undercut the national average.

To help you make an informed decision, here are the factors that influence Clearcover’s pricing, giving you a clearer picture of what you might expect to pay for your coverage.

• Location: Insurance rates are often influenced by your geographical location. Urban areas or regions with high traffic and increased risks may have slightly higher premiums.
• Driving History: Your personal driving history, including accidents, tickets, and claims, plays a significant role in determining your insurance costs. Safe drivers may enjoy lower rates.
• Coverage Level: The extent of coverage you choose, such as liability, comprehensive, or collision, can impact your premiums. More extensive coverage may come with higher costs.
• Vehicle Type: The make and model of your vehicle can affect your insurance rates. High-end or high-performance cars may have higher premiums.
• Deductibles: Adjusting your deductibles can impact your premiums. Higher deductibles typically lead to lower premiums, but you’ll pay more out of pocket in case of a claim.
• Discounts: Clearcover offers various discounts that can help reduce your premium, such as safe driver, multi-car, continuous coverage, and pay-in-full discounts.
• Credit Score: In some states, your credit score may be a factor in determining your insurance rates.

Clearcover Car Insurance offers competitive rates, making it an attractive option for those seeking affordable coverage. While their pricing may vary depending on individual factors, their digital approach to insurance often results in savings for policyholders. When considering Clearcover for your car insurance needs, be sure to request a personalized quote to determine the precise cost for your coverage.

Clearcover is a different kind of car insurance company that is completely digital. Everything from getting a Clearcover car insurance quote to filing a claim is done online or through the app.

While Clearcover is an online company, coverage is only available in 20 states. There are no local agents, so it isn’t a good fit for drivers who need hands-on service.

Because Clearcover keeps overhead low, it can offer lower rates. In some areas, rates are reportedly around 30% lower than average.

Look at this table of the average annual car insurance rates from top companies to get an idea of what typical rates look like.

Average Annual Car Insurance Rates Based on Coverage Type

Company	Average Annual Rate for Low Coverage	Average Annual Rate for Medium Coverage	Average Annual Rate for High Coverage
Allstate	$4,628.03	$4,896.81	$5,139.02
American Family	$3,368.49	$3,544.37	$3,416.40
Farmers	$3,922.47	$4,166.22	$4,494.13
Geico	$3,001.91	$3,213.97	$3,429.14
Liberty Mutual	$5,805.75	$6,058.57	$6,356.04
Nationwide	$3,394.83	$3,449.80	$3,505.37
Progressive	$3,737.13	$4,018.46	$4,350.96
State Farm	$3,055.40	$3,269.80	$3,454.80
Travelers	$4,223.63	$4,462.02	$4,619.07
USAA	$2,404.11	$2,539.87	$2,667.92

No matter the company, car insurance rates are determined by a variety of your personal factors. These factors include your age, driving record, where you live, and even your credit score.

Rates will be different for every driver since these personal factors will be different. Also, companies weigh each one of these factors differently, so rates are very individualized.

How Clearcover Compares Against Other Auto Insurance Providers

Explore a concise comparison of Clearcover car insurance with leading providers such as Cincinnati Insurance, Texas Farm Bureau, Century, Kemper, The Hanover, Chubb, and more. Quickly assess how Clearcover measures up against key competitors in the insurance landscape.

Coverage Options: Clearcover Car Insurance Offerings

When selecting your car insurance, it’s essential to understand the range of coverage options available to protect yourself and your vehicle. Clearcover Car Insurance offers several coverage options designed to meet your specific needs. Whether you’re looking for the basics or extra protection, Clearcover has you covered.

• Liability Coverage: Liability coverage is a fundamental component of any car insurance policy. It helps pay for bodily injury and property damage expenses when you’re at fault in an accident. Clearcover ensures that you’re financially protected, offering liability coverage to meet your state’s minimum requirements.
• Collision Coverage: When your car sustains damage in an accident, collision coverage steps in to help cover the repair or replacement costs. Whether it’s a collision with another vehicle or a stationary object, Clearcover’s collision coverage can ease the financial burden.
• Comprehensive Coverage: Comprehensive coverage goes beyond accidents. It covers damage to your vehicle caused by non-collision incidents such as theft, vandalism, or natural disasters. Clearcover provides the peace of mind you need when life’s unexpected events occur.
• Uninsured/Underinsured Motorist Coverage: Protect yourself from drivers who lack adequate insurance. Clearcover offers uninsured/underinsured motorist coverage, ensuring you’re not left with the bills if you’re involved in an accident with an inadequately insured driver.
• Rideshare and Alternate Transportation Coverage: If you’re a rideshare driver or rely on alternative transportation methods, Clearcover has you covered. Their add-on options provide the extra protection you need while working for rideshare services like Uber or using various transportation modes.
• Homeowners Insurance through Hippo: Clearcover doesn’t stop at car insurance. Through their partner, Hippo, you can access homeowners insurance to safeguard your home and possessions.

Clearcover Car Insurance provides a range of coverage options to cater to your unique needs. Whether you’re looking for the basics to stay legally compliant or comprehensive protection for your vehicle, Clearcover has you covered. Their commitment to simplicity and affordability ensures you get the coverage you need without unnecessary complications.

What car insurance coverages does Clearcover offer?

Clearcover offers standard car insurance coverages that meet state minimum requirements. Coverages include liability, collision, comprehensive, and uninsured motorist.

Clearcover also offers add-ons such as rideshare and alternate transportation coverages.

If you drive for a rideshare company like Lyft or Uber, you might be surprised to learn that your personal car insurance won’t cover you while you are on the clock.

Adding rideshare coverage with Clearcover is easy. Just add it to your personal policy. You don’t need a separate policy.

Alternate transportation coverage is Clearcover’s take on rental car coverage. With rental car insurance, you are limited to using the coverage only for renting a car.

However, if your car is damaged and you have alternate transportation coverage, you can use the $30 a day allowance for any type of transportation you would like. This includes rental cars, rideshares, and public transportation.

Although Clearcover only offers car insurance, customers can find homeowners insurance through its partner, Hippo.

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What car insurance discounts are available with Clearcover?

One way drivers can save money is to add car insurance discounts to their policies. Discounts are based on everything from you as a driver to the safety features that come on your car.

Most companies offer many different discounts so that drivers can save the most money. However, Clearcover only offers around 15 discounts.

Clearcover car insurance discounts include:

• Military
• Good student
• Defensive driver
• Anti-theft
• Multi-vehicle
• Paid-in-full

For comparison, take a look at this table that shows common car insurance discounts from top companies.

Car Insurance Discounts

Discounts make such a significant impact on your rates that they can actually change which company is cheapest for you. Be sure to take discounts into account when shopping for car insurance.

Claims Process at Clearcover Car Insurance

Ease of Filing a Claim

Clearcover car insurance offers policyholders a convenient and efficient claims process through its fully digital platform. Policyholders can easily file claims online or via the Clearcover mobile app, eliminating the need for time-consuming paperwork or phone calls. This accessibility aligns with Clearcover’s commitment to simplifying the claims experience for its customers.

Average Claim Processing Time

Clearcover is dedicated to a swift and responsive claims process. While the exact processing time may vary based on individual cases, Clearcover’s digital approach ensures that claims are processed efficiently. Many policyholders report receiving appraisals and payments within a remarkably short timeframe, enhancing the overall claims experience.

Customer Feedback on Claim Resolutions and Payouts

Clearcover values customer feedback as an essential component of its claims process. Policyholders’ experiences and insights are actively sought to continuously improve the fairness and effectiveness of claim resolutions and payouts. This customer-centric approach helps Clearcover maintain transparency and customer satisfaction.

Digital and Technological Features by Clearcover Car Insurance

Mobile App Features and Functionality

Clearcover’s mobile app is at the forefront of its digital offerings. It provides users with an array of features and functionality that facilitate seamless insurance management. Policyholders can efficiently manage their policies, initiate claims, and access essential resources. With features such as claims filing, policy information retrieval, and access to digital tools, the mobile app enhances the overall insurance experience.

Online Account Management Capabilities

Clearcover’s online platform empowers policyholders with robust account management capabilities. Accessible through a secure web portal, policyholders can conveniently review policy details, update information, and perform various insurance-related tasks. This digital infrastructure ensures that policyholders have efficient control over their policies and access to critical information.

Digital Tools and Resources

Clearcover supplements its digital offerings with a range of valuable tools and educational resources. These digital assets encompass informative materials, guides on navigating the claims process, and insights into responsible driving practices. Clearcover’s commitment to leveraging technology is evident through the availability of these resources, enhancing the overall policyholder experience.

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Customer Review of  Clearcover Car Insurance

Clearcover has truly redefined what I expect from auto insurance. Their digital-first approach makes everything incredibly convenient, from obtaining quotes to managing my policy. Filing a claim was a breeze, with quick responses and appraisals done in no time.

The customer-centric approach is evident in their willingness to seek feedback and improve their services. Clearcover has, without a doubt, simplified the insurance process while offering competitive rates. If you’re looking for hassle-free and budget-friendly auto insurance, I wholeheartedly recommend Clearcover. It’s a 5-star experience all the way.

History and Mission of Clearcover Car Insurance

What are the Clearcover car insurance ratings?

Clearcover’s reputation is very important. You need to know it’s a company you can trust.

A.M. Best rates companies on financial stability. While Clearcover is too new to earn a rating, Fortegra is not. Fortegra underwrites policies for Clearcover and received an A- rating, showing an excellent ability to meet financial obligations.

The Better Business Bureau (BBB) has been able to rate Clearcover on customer interaction. Clearcover earned an A rating and accreditation.

Clearcover app ratings are also important since drivers must use it for everything. The app received a 4.6/5 rating in the Google Play Store and a 4.8/5 rating in the Apple App Store.

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How do you cancel Clearcover car insurance?

Clearcover knows there are many reasons you may want to cancel your coverage. That’s why they let you cancel any time for any reason. However, you may be charged a cancelation fee.

To cancel, you will need your personal information as well as the policy number and the date you want the policy to end. Then, just start a chat in the app or call customer service at 1-855-444-1875.

You need to follow certain steps when you cancel any car insurance. Following these steps makes the cancelation process easy and hassle-free.

Steps to canceling your Clearcover car insurance are:

1. Check to see when your Clearcover policy ends. Because the policies are only six months long, it may be easier to wait until the policy ends to switch companies.
2. Shop around. Every company will offer different rates, so compare multiple companies to find your best deal.
3. Get your new coverage started. Make sure the new policy begins before the Clearcover policy ends.
4. Contact Clearcover to let them know you are leaving. Follow up to see if you are due any refund if you prepaid for your policy.

It should be stressed that you need to have your new coverage in place before your old coverage ends. Allowing a lapse in coverage can lead to fines and your driver’s license being suspended.

Clearcover Car Insurance: The Bottom Line

Clearcover offers simplified car insurance that’s 100% digital. While this can mean lower rates, it does require drivers to do everything through an app with no local agents.

Even though affordable Clearcover car insurance is offered online, it’s only available in 20 states.

Shop around before you settle on a car insurance company. Compare rates, discounts, and ratings to see which one is best for you.

We hope you’ve learned everything you need to know about Clearcover auto insurance. Before you go, enter your ZIP code to compare quotes from local car insurance companies for free.

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