Clearcover Car Insurance Review & Ratings (2024)
Experience peace of mind with Clearcover Car Insurance and their affordable coverage options. Simplify your insurance journey with their streamlined claims process and exceptional customer service. From comprehensive and collision coverage to liability and uninsured motorist protection, Clearcover provides the coverage you need to protect your vehicle.
Read moreBrad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Sep 24, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Clearcover Car Insurance
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
A- (Excellent)Complaint Level:
LowPros
- Online-only platform with digital services for easy policy management.
- Claims process is convenient and user-friendly, with a focus on digital channels.
- Competitive rates, claimed to be around 30% less than average.
- Unique coverage options like rideshare and alternate transportation.
Cons
- Limited availability in 18 states.
- No bundling options for other insurance coverages like homeowners.
- Fewer discounts compared to other insurers.
- New company, so it lacks ratings from A.M. Best, but its underwriter Fortegra has an A- rating.
- Lack of in-person agent interaction for those who prefer face-to-face meetings.
While Clearcover may offer cheaper rates, it might not be the best company for everyone.
Drivers who want a face-to-face meeting with a local agent, don’t have a smartphone, or want to bundle policies won’t find what they are looking for with Clearcover.
However, drivers who want a simple car insurance experience or need rideshare coverage may find Clearcover meets their needs.
We hope you’ve learned all you need to know about Clearcover auto insurance. Compare free quotes from car insurance companies in your area before you go by entering your ZIP code now.
What You Should Know About Clearcover Car Insurance
Welcome to our comprehensive guide on Clearcover Car Insurance, where we provide valuable insights and information about this innovative insurance company. Discover a new level of simplicity and affordability with Clearcover Car Insurance.
To ensure you find the best rates and coverage for your car insurance needs, simply enter your zip code below and compare quotes from top insurance providers. Don’t miss out on securing the insurance protection that fits your budget and offers peace of mind on the road.
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Clearcover Car Insurance’s History
Clearcover Car Insurance has rapidly become a notable player in the insurance industry, offering a fresh approach to coverage with a focus on simplicity and affordability. Founded on the principles of leveraging digital innovation to streamline processes and reduce overhead costs, Clearcover has established itself as a leading provider in the car insurance market.
While the company’s history is relatively short, its commitment to meeting the evolving needs of drivers is evident in its unique offerings, such as rideshare coverage and alternate transportation reimbursement.
Clearcover’s journey is marked by a dedication to customer satisfaction, as reflected in high ratings on the Better Business Bureau and app stores, making it a compelling choice for those seeking straightforward and cost-effective car insurance solutions.
Clearcover Car Insurance Coverage Options
Clearcover only offers car insurance. So, if you are looking to bundle car insurance with homeowners or other coverages, Clearcover might not be a good fit for you.
Clearcover offers typical car insurance coverages such as liability, collision, and comprehensive. In addition, you can also get medical payment and uninsured motorist coverages, which are required in some states.
Add-ons include roadside assistance, rideshare coverage, and alternate transportation coverage.
If you drive for a rideshare service like Uber or Lyft, your personal car insurance won’t cover you while you are working. Clearcover offers rideshare coverage you can add to your policy.
Alternate transportation coverage is unique to Clearcover. While most car insurance companies offer rental car coverage, you don’t have much other transportation options if your car is damaged.
Clearecover’s alternate transportation gives you $30 a day to use on any transportation you choose. This includes rideshare, taxis, and public transit. How you get around is totally up to you.
Clearcover Car Insurance Rates Breakdown
Although coverage is available in 18 states, Clearcover car insurance quotes are only available online. In addition, Clearcover doesn’t use local agents and is completely digital.
You can access your policy information, pay your bill, and file a claim all through the Clearcover app.
Clearcover says rates are about 30% less than average, but specific rates will vary by driver. According to Clearcover, its rates are lower because, as a digital-only company, it can keep overhead low.
Typical factors that affect car insurance rates include your age, driving record, ZIP code, and the type of coverage you choose. Rates will be different for every driver based on these factors.
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Clearcover Car Insurance Discounts Available
Car insurance discounts can make a huge difference in your rates. Most insurance companies offer discounts based on you as a driver, the features of your car, and your policy.
However, Clearcover doesn’t offer as many discounts as other car insurance companies. For example, you can’t get a multi-policy discount since Clearcover only offers car insurance.
Read more: Clearcover Car Insurance Discounts
These are some of the discounts offered by Clearcover:
- Good driver
- Seatbelt
- Paid-in-full
- Multi-vehicle
- Defensive driver
- Military
For comparison, this table shows discounts offered by the top car insurance companies. The amount of the discount is listed if it is available.
| Discount Name | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Adaptive Headlights | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Anti-lock Brakes | 10% | ✓ | ✓ | 5% | 5% | 5% | ✓ | 5% | ||
| Anti-Theft | 10% | ✓ | 23% | 20% | 25% | ✓ | 15% | |||
| Claim Free | 35% | ✓ | ✓ | 26% | ✓ | 10% | ✓ | 15% | 23% | 12% |
| Continuous Coverage | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | ||
| Daytime Running Lights | 2% | ✓ | 3% | 5% | 5% | ✓ | ✓ | |||
| Defensive Driver | 10% | 10% | ✓ | ✓ | 10% | 5% | 10% | 5% | 10% | 3% |
| Distant Student | 35% | ✓ | ✓ | ✓ | ✓ | 10% | ✓ | 7% | ||
| Driver’s Ed | 10% | ✓ | ✓ | ✓ | 10% | ✓ | 10% | 15% | 8% | 3% |
| Driving Device/App | 20% | 40% | ✓ | ✓ | 30% | 40% | 20% | 50% | 30% | 5% |
| Early Signing | 10% | ✓ | ✓ | ✓ | ✓ | 8% | ✓ | ✓ | 10% | 12% |
| Electronic Stability Control | 2% | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Emergency Deployment | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Engaged Couple | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Family Legacy | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 10% |
| Family Plan | ✓ | ✓ | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ |
| Farm Vehicle | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Fast 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Federal Employee | ✓ | ✓ | 12% | 10% | ✓ | ✓ | ✓ | ✓ | ||
| Forward Collision Warning | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Full Payment | 10% | ✓ | ✓ | $50 | ✓ | ✓ | ✓ | 8% | ✓ | |
| Further Education | ✓ | ✓ | 10% | 15% | ✓ | ✓ | ||||
| Garaging/Storing | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 90% | ||
| Good Credit | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Good Student | 20% | ✓ | 15% | 23% | 10% | ✓ | 25% | 8% | 3% | |
| Green Vehicle | 10% | ✓ | 5% | ✓ | 10% | ✓ | ✓ | ✓ | 10% | ✓ |
| Homeowner | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | 3% | 5% | ✓ | |
| Lane Departure Warning | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Life Insurance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Low Mileage | ✓ | ✓ | ✓ | 30% | ||||||
| Loyalty | ✓ | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | |
| Married | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Membership/Group | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | |||
| Military | ✓ | ✓ | 15% | 4% | ✓ | ✓ | ||||
| Military Garaging | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% |
| Multiple Drivers | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Multiple Policies | 10% | 29% | ✓ | 10% | 20% | 10% | 12% | 17% | 13% | |
| Multiple Vehicles | ✓ | ✓ | 25% | 10% | 20% | 10% | 20% | 8% | ||
| New Address | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Customer/New Plan | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| New Graduate | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Vehicle | 30% | ✓ | ✓ | 15% | ✓ | 40% | 10% | 12% | ||
| Newly Licensed | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Newlyweds | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Non-Smoker/Non-Drinker | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Occasional Operator | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Occupation | ✓ | 10% | 15% | ✓ | ✓ | ✓ | ||||
| On-Time Payments | 5% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | |
| Online Shopper | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 7% | ✓ | ✓ | ✓ |
| Paperless Documents | 10% | ✓ | ✓ | ✓ | 5% | $50 | ✓ | ✓ | ✓ | |
| Paperless/Auto Billing | 5% | ✓ | ✓ | ✓ | $30 | ✓ | $20 | 3% | 3% | |
| Passive Restraint | 30% | 30% | 40% | 20% | ✓ | 40% | ||||
| Recent Retirees | ✓ | ✓ | ✓ | ✓ | 4% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Renter | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Roadside Assistance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Safe Driver | 45% | ✓ | 15% | ✓ | 35% | 31% | 15% | 23% | 12% | |
| Seat Belt Use | ✓ | ✓ | ✓ | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Senior Driver | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Stable Residence | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Students & Alumni | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | ✓ | ||
| Switching Provider | ✓ | ✓ | 10% | ✓ | ✓ | ✓ | ✓ | |||
| Utility Vehicle | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Vehicle Recovery | 10% | ✓ | ✓ | 15% | 35% | 25% | ✓ | 5% | ||
| VIN Etching | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | |||
| Volunteer | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Young Driver | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | $75 |
As you compare car insurance companies, make sure you take into account the discounts offered. The company with the lowest rates in an initial quote might not be your best deal once discounts are added.
Simplified Clearcover Car Insurance Claims Process: Quick and Easy
Ease of Filing a Claim
Clearcover offers a convenient and user-friendly claims process that caters to the digital age. Customers can file their insurance claims through various channels, including online, over the phone, or via their mobile app. This flexibility allows policyholders to choose the method that best suits their preferences and needs.
Average Claim Processing Time
One of the key considerations when evaluating an insurance company is the speed and efficiency of the claims processing. Clearcover prides itself on a streamlined claims process. On average, the company aims to complete the entire claims process within approximately a week, from the initial claim submission to resolution.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is crucial in assessing the effectiveness of an insurance company’s claims process. Clearcover has received positive feedback from its customers regarding claim resolutions and payouts. The company’s commitment to providing satisfactory outcomes for policyholders reflects in the high ratings and reviews it has garnered.
Advanced Digital and Technological Features of Clearcover Car Insurance
Mobile App Features and Functionality
Clearcover’s mobile app is a central component of its digital approach to insurance. The app offers an array of features and functionalities designed to enhance the customer experience. Policyholders can access their insurance information, pay their premiums, and even file claims directly through the app. This convenience empowers customers to manage their policies and take action whenever and wherever they choose.
Online Account Management Capabilities
In addition to the mobile app, Clearcover provides robust online account management capabilities. Customers can log in to their accounts on the company’s website to review policy details, make changes, and monitor their coverage. This online accessibility simplifies policy management and ensures that customers have easy access to essential information about their insurance.
Digital Tools and Resources
Clearcover’s commitment to embracing digital tools and resources extends beyond basic policy management. The company offers various online resources and tools to help policyholders make informed decisions about their coverage.
From educational materials on insurance topics to tools that assist in understanding coverage options, Clearcover strives to empower its customers with the knowledge needed to navigate the complexities of car insurance.
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How Clearcover Car Insurance Ranks Among Providers
Clearcover Car Insurance distinguishes itself with rates approximately 30% lower than the industry average, leveraging its digital model to keep costs down. With a focus solely on car insurance, Clearcover offers typical coverages alongside unique options like rideshare coverage and alternate transportation reimbursement.
While the company’s discount options are comparatively limited, high ratings on the Better Business Bureau and app stores indicate strong customer satisfaction and financial stability, making Clearcover an appealing choice for those seeking a straightforward and affordable car insurance solution.
What are the Clearcover car insurance ratings?
Ratings are just as important as rates when you are choosing an insurance company. You need to have confidence your company will be there when you need it.
The Clearcover car insurance company is too new to have a rating from A.M. Best, which rates companies on financial strength. However, the Clearcover underwriter Fortegra received A- rating showing excellent financial stability.
The Better Business Bureau (BBB) bases ratings on how well a business interacts with its customers. The BBB rated Clearcover an A, and Clearcover is accredited.
Clearcover is an online-only company that expects customers to use the website and app for everything. The Clearcover app earned a 4.7/5 rating in both the Apple App Store and Google Play Store.
High ratings in all of these areas can give customers confidence when they sign up with Clearcover.
How do you cancel Clearcover car insurance?
You can cancel your Clearcover car insurance anytime, but you might have to pay a cancellation fee.
Canceling Clearcover auto insurance is easy. Chat with a representative in the app or call customer service at 1-855-444-1875.
You’ll need your personal information, such as your name and address, as well as your policy number and the date you want to cancel, to end your Clearcover car insurance policy.
Although canceling is easy, there are certain steps to follow to make sure the switch to a new company is easy.
First, find out when your Clearcover policy ends. Since the policies are only six months long, it might be cheaper to wait until your policy ends to switch.
Next, shop around for new car insurance. Every company looks at your personal factors differently and offers different rates.
Once you find your new company, complete the application process and get your new insurance set up. Then, make sure your start date is a day or two before your old policy ends.
Allowing your policy to lapse can be a huge headache.
According to the Insurance Information Institute, a lapse in car insurance can lead to fines, driver’s license suspension, and your car being impounded.
Lastly, let Clearcover know you want to cancel your policy. Make sure to follow up on any refund you may be due.
Read more: How to Cancel Car Insurance
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Frequently Asked Questions
What is Clearcover Car Insurance?
Clearcover Car Insurance is an insurance company that offers affordable car insurance policies that can be customized to meet the needs of individual drivers.
What types of car insurance coverage does Clearcover offer?
Clearcover offers liability insurance, collision insurance, comprehensive insurance, and uninsured/underinsured motorist coverage.
How does Clearcover determine car insurance rates?
Clearcover determines car insurance rates based on a variety of factors, including the driver’s age, driving history, location, and the type of car being insured.
Can I manage my Clearcover Car Insurance policy online?
Yes, Clearcover offers an online portal where you can manage your policy, make payments, and file claims.
What discounts does Clearcover offer?
Clearcover offers a variety of discounts, including safe driver discounts, multi-car discounts, and bundling discounts for customers who purchase multiple policies.
How does Clearcover handle claims?
Clearcover offers a streamlined claims process that can be initiated online or through their mobile app. Customers can track the progress of their claim through the online portal or by contacting a claims representative.
What is the financial strength of Clearcover?
Clearcover is a relatively new company and has not yet been rated by major financial rating agencies.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.