Clearcover Auto Insurance Review
Clearcover auto insurance is targeting modern customers seeking to combine affordable rates with technological convenience. The Chicago-based company was founded in 2016. Through its mobile app, Clearcover promises an easy claims process and affordable auto insurance rates.
Clearcover sells only six-month car insurance policies. The company believes that it can provide the most accurate pricing by evaluating your driving record twice a year rather than annually. This also means that if you cause an accident or get a speeding ticket, you’ll pay an increased rate sooner.
Clearcover currently operates in 20 states, and its policies are underwritten by Clearcover Insurance Company. In California, policies are underwritten by Response Indemnity Company of California, which is a subsidiary of the highly-rated company Fortegra.
Pros
- User-friendly app
- Potentially fast payouts
- Offers rideshare insurance for Uber and Lyft drivers
- Offers alternate transport coverage in lieu of rental car reimbursement
Cons
- Limited state availability
- Basic coverage options
- Sells only auto insurance
How It’s Compared
Root: Instead of just giving you a discount for joining a telematics program, like many companies do, Root takes things to the next level and bases all of its rates on your actual driving.
Lemonade: If you’re looking for an auto and home insurance company with a focus on digital tools, Lemonade might be a good fit. Lemonade also offers pet, life and renters insurance, and is a Certified B-Corporation with a strong giveback program.
Bottom Line
Clearcover offers a digital-first user experience and could be a good option for drivers looking for an innovative approach to policies and claims.
Clearcover is currently available in 20 states: Alabama, Arizona, California, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Nebraska, Ohio, Oklahoma, Pennsylvania, Texas, Utah, Virginia, West Virginia and Wisconsin. And it will soon be available in two more.
Drivers seeking an in-person experience or certain extra benefits, like vanishing deductibles or accident forgiveness should look elsewhere. Clearcover only sells basic coverage policies to consumers by phone and website.
