Clearcover Auto Insurance Review

Clearcover insurance is a 2016-founded auto insurance firm. The firm, which bills itself as “digital insurance for the digital consumer,” places a premium on technology and customer service. Clearcover offers a simple claims procedure and inexpensive vehicle insurance premiums via their mobile app. Clearcover is a relative newcomer to the insurance industry, having just expanded to 10 states in the United States.

Clearcover Insurance Review

• J.D. Power Rating. J.D. Power has not yet rated this company.
• Financial strength. AM Best has not yet rated this company.
• NAIC Rating — Fewer complaints than average. Clearcover had less complaints than the industry average, according to the National Association of Insurance Commissioners (NAIC).

Clearcover Car Insurance Coverage 

Clearcover insurance is a vehicle insurance company that places a premium on cost and a simple claims process. The majority of interactions take place via the company’s website or its simple-to-use mobile app, with more complex claims handled by phone. Clearcover insurance does not employ traditional insurance agents, therefore consumers looking for a more customized agent experience may be disappointed. Without a smartphone, drivers are discouraged from seeking coverage from this provider.

Clearcover is currently increasing its geographic reach. The following states are served by the company:

• Arizona
• California
• Illinois
• Louisiana
• Nebraska
• Ohio
• Oklahoma
• Texas
• Utah
• Wisconsin

Car insurance options through Clear Coverage

Clearcover offers all of the standard vehicle insurance choices offered by the majority of major companies, 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

While Clearcover does not offer a comprehensive list of optional coverages (often referred to as endorsements), many drivers may find the following coverage add-ons beneficial.

Rideshare coverage

Clearcover insures Uber and Lyft drivers. This endorsement, however, does not include delivery driver services like Uber Eats, Doordash, or Grubhub.

Alternate transportation coverage

While many other carriers provide comparable coverage in the form of rental car reimbursement, Clearcover has enhanced this coverage slightly by including a daily allowance for transportation costs in the event of a covered claim rendering your vehicle undriveable. This includes the prices of public transit, ridesharing, and rental automobiles.

Roadside assistance 

Roadside assistance may be of aid if you become stuck due to a mechanical or electrical failure. This generally includes towing, flat tires, and dead batteries, among other things.

Clear Coverage car insurance discounts

Clearcover’s website does not have a large number of auto insurance discounts. The firm asserts that it offers drivers the best rates available at the start of each policy. Clearcover recommends drivers to keep their rates low by maintaining a clean driving record, paying their insurance payment in advance, and investing in specific car safety equipment.

Clearcover does highlight one deal: its active military personnel discount, which provides service members with a 15% discount. Active duty military personnel in Louisiana receive a 25% discount on their insurance costs.

Clear Coverage mobile app review

Clear Cover’s website and mobile app, being a technology-driven insurance firm, are feature-rich and reasonably simple to use. As of September 2020, both the Apple Store and Google Play have given the app 4.7 out of 5 stars. Additionally, Clearcover promotes an award for exceptional success in mobile development.

The Clear Cover mobile app makes it simple for policyholders to save their identification cards, examine their coverage options, and even process claims. The claims procedure is largely conducted via the mobile application. After submitting your claim, a claims adjuster will contact you to discuss the next steps. According to the firm, the majority of claims are resolved within one week.

Additionally, the app gives convenient access to Clearcover’s roadside assistance status, Honk. With online bill payment and a variety of additional features, the Clearcover app makes managing your vehicle insurance reasonably simple.

Additional lines of insurance

Clearcover does not provide insurance for homeowners or renters. Clearcover, on the other hand, has a partnership with Hippo, another technology-focused insurance business that offers home insurance.

Clear Cover review: Is Clear Coverage insurance right for you?

Clear Cover is a rapidly developing firm and an exciting new entrant to the insurance industry. Some may be concerned about the company’s youth, as Clear Cover does not yet have external ratings from reputable agencies such as J.D. Power or AM Best. However, Clear Cover’s client evaluations are mostly positive, and the company has an A+ rating with the Better Business Bureau.