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What’s The Best Collector Car Insurance? Top 9 Revealed [2019]

Car accident

If you have a car collection that contains vintage, classic, or specialty cars that are meant more for preservation than for driving, your insurance needs will be different from the average driver's. Most car owners have never heard co collector car insurance, but finding the best collector car insurance is an essential for any vintage car collector. Even if you don't plan on taking your most valuable cars out on the road often or at all, you'll want them protected from any eventualities.

Auto insurers have been protecting classic cars for decades, through a unique process called agreed-value insurance. With this system, the best collector car insurance policies are designed more like a negotiation, with the insurer assessing the collection and agreeing on a value with the owner. Policies are more customizable with the owner's needs and assets than the standard car insurance policy, which is based more on the client's driving record and demographics.

If you're looking for the best collector car insurance, you should look away from the top American insurance companies and towards specialty insurers who work with classic car owners. Here at Policy Academy, we've put together a list of the best collector car insurance based on their flexible policies, additional features, and price points. Read on to discover the best collector car insurance to make sure your collection is protected from any hazards.

Product FAQ

What Is Collector Car Insurance and How Does It Differ From The Average Insurance Policy

Do Major Car Insurance Companies Offer Collector Car Insurance?

Does The Best Collector Car Insurance Offer Accident Protection?

Can Collector Car Insurance Be Bundled With Other Insurance Policies?

How Do I Sign Up For The Best Collector Car Insurance?

How We Reviewed

Car accident and a stop signage at the middle of the picture

Image by Tumisu from Pixabay

The following list of the best collector car insurance companies was reviewed based on the following parameters – affordability of premiums, flexibility of policies, customer service, claims process, included perks and features, optional perks and features, and ease of bundling with other insurance policies.

Overall Price Range

Many people expect the best collector car insurance to be more than regular insurance, but this isn't the case. As collector car insurance is built to insure the asset rather than to provide liability insurance, it depends on the number and value of the cars insured. Progressive offers classic car insurance and theirs averages around $275 less per year than their standard policy and this percentage is similar with other insurers.

What We Reviewed

  • American Modern Insurance Company
  • Grundy International Insurance
  • Safeco Insurance
  • American National Insurance
  • Hagerty Classic Car Insurance
  • State Farm Insurance
  • American Collectors Insurance
  • J.C. Taylor Insurance
  • Heacock Classic Car Collector Insurance
American Modern Insurance

Image Source: www.valuepenguin.com

Summary

Backed by Geico, American Modern Insurance Company is one of the largest insurers of classic cars in the United States and gets high marks for its many features and highly customizable agreed-value policies. It's ideal for classic car owners who want to drive their cars thanks to its mileage-limit options. Deductibles can range from $0 to $10000, and the company helps you repair your cars with up to $2000 in spare parts coverage.

American Modern Insurance Company is known for its all-inclusive policies, offering money back for towing, vet expenses for injured pets, and up to $150 a day if an accident leaves you stranded. You can get discounts for installing anti-theft devices or for insuring more than one car, and the 2% per quarter inflation guard keeps your premiums low. Negatives include spotty customer service and reports of slow claims processing, but this company's eighty-year history has made it a favorite with customers.

A.M. Best Financial Strength Rating

A+

Where to Buy

Grundy Insurance

Image Source: planetforge.org

Summary

Grundy International Insurance has been providing all-purpose car insurance since 1947 and it's developed a trusted track record as one of the best insurers of collector cars on the market. They're a high-roller insurance agency, offering up to a million dollars in liability coverage, but they take care of their clients with coverage for incidentals like up to $250 in emergency towing coverage and up to $600 coverage for lodging or other trip interruption expenses.

While they specialize in private insurance policies, they offer deals for car restoration and car design businesses, and you can bundle your classic car insurance with all other vehicles (regular driving, motor homes, smaller vehicles) and your home insurance. With no model year restrictions and a 4% inflation guard per year, they're a popular choice for owners of large collections. Drawbacks include the lack of personal restoration coverage and the requirement that you keep your vehicle in a locked garage.

A.M. Best Financial Strength Rating

Grundy is underwritten by a collection of investors with A++, A+, and A ratings

Where to Buy

Safeco Insurance

Image source: www.safeco.com

Summary

Safeco Insurance is a division of major insurance company Liberty Mutual, offering coverage for regular driving and home insurance. However, they also provide coverage for classic cars under a duo of popular models. For those who drive their classic car regularly, the “Regular Use” policy lets you drive up to 10,000 miles annually, while the “Restricted Use” policy gives you up to 5,000 miles a year.

With Liberty Mutual having a hundred-year record of providing insurance, Safeco is seen as one of the more trusted brands in the field and offers a lot of user-friendly features. They offer a deductible-reduction policy, roadside and emergency assistance, and the ability to bundle your classic car policy with your home and regular auto insurance. Negatives include the lack of restoration coverage, spotty customer service, model-year and value restrictions, and the requirement to keep your car in a locked garage.

A.M. Best Financial Strength Rating

Safeco has a financial strength rating of A and an issuer credit rating of A+.

Where to Buy

American National Insurance

Summary

American National Insurance is a large insurance company that makes its name by offering bundles of home, auto, boat, and life insurance in one reasonably priced package. However, it has a loyal audience among classic car fans because it offers some of the deepest discounts in the field. If you're a member of the National Street Rod Association, you can get a 10% discount and the company attracts collectors because it offers up to 85% discounts for those who insure large numbers of cars.

American National offers standard insurance policies, but their classic car insurance rates depend on make and value. They get high marks for their discount opportunities, their top-rated customer service, and their in-person agents around the United States. Their main negative is that their site is difficult to navigate and doesn't offer specific information about policies.

A.M. Best Financial Strength Rating

American National Insurance has a financial strength rating of A.

Where to Buy

Hagerty Classic Car Insurance

Image Source: bicesterheritage.co.uk

Summary

A specialty company that focuses on insuring antique and classic cars, Hagerty Classic Car Insurance is backed by major insurer Essentia and offers low premiums based on a guaranteed agreed value. They insure all vehicle types and work with customers to develop customized policies that include a variety of add-ons. For only $20 a year you can add restoration coverage with a 10% value increase per quarter and $750 in coverage for repair tools, and for $25 a year you can add coverage for trip interruptions and accidental death.

In business for over 25 years, Hagerty has developed a fast reputation as one of the best classic car insurers in the field. They add automatic thirty-day coverage if you buy another classic car, and you can add roadside assistance for a small fee. While customer service is strong, some customers complain about long waits for towing assistance and the model-year and value restrictions.

A.M. Best Financial Strength Rating

Hagerty is underwritten by Essential Insurance Company, which carries an AM Best rating of A.

Where to Buy

State Farm Headquarters

Image Source: www.wglt.org

Summary

In business since 1922, State Farm is one of the first names people think of for insurance, and they offer coverage for home, auto, life, and assets. Their classic car program is a side business that works on agreed-value contracts and is available in all fifty states. Unlike their standard insurance policies, this program is handled in person through a local State Farm agent and can cover liability, medical payments, comprehensive, collision, loss of income, and personal injury/death payouts.

State Farm classic car insurance is geared towards those who don't drive their cars much – individual limits are negotiated, but the policy is for very limited use. They cover spare parts up to $500, offer emergency assistance for an additional fee, and provide consistent customer service. Negatives include model-year and value restrictions and lower liability limits than some specialty companies.

A.M. Best Financial Strength Rating

State Farm has an A.M. Best Financial Strength Rating of A++.

Where to Buy

American Collector Insurance

Image Source: brettinsurance.com/

Summary

American Collectors Insurance is one of the smaller companies on this list, specializing in antique and collectible cars not designed for regular driving. This means there are mileage limitations with every policy, so it's not the right fit for those who love to show their cars off on the road. In business for over forty years, they offer deep discounts for multiple vehicles, a 2% inflation guard per quarter, and automatic thirty-day coverage if you buy a second collectible car.

Where they stand out from the pack, though, is with their TLC add-on plan – considered to be the best roadside assistance plan in the insurance market. For less than $35 per year, you get assistance for towing, lockouts, and roadside repairs. The company also offers coverage for travel expenses and legal defense costs, and offers rebates for installing safety equipment. The company gets good marks for customer service, but drawbacks include model-year and value restrictions, and the lack of company information on the Better Business Bureau website.

A.M. Best Financial Strength Rating

American Collectors Insurance has an A- financial strength rating from A.M. Best

Where to Buy

J.C. Taylor Insurance

Summary

J.C. Taylor is one of the oldest companies offering an exclusive focus on antique and collectible car insurance, giving them a high trust rating among customers. They offer specialty coverage for exotic cars, hot rods, and cars that have had custom modifications. This makes them a high-ranking choice for those who like to drive their cars – while their policies have a 2,500-mile rate for underwriting purposes, they don't have an official mileage limit on their policies and offer some of the most competitive premiums in the field.

J.C. Taylor has one of the smallest client bases of any company on the list and maintains a low-tech presence, with their minimalist website lacking any information about their benefits or policies. You can set up a policy over the phone or through the mail. They have a Better Business Bureau rating of A+, but the $250 deductible on physical damage coverage is high and they require cars to be kept in a locked garage.

A.M. Best Financial Strength Rating

J.C. Taylor Insurance has an A+ rating from A.M. Best

Where to Buy

Heacock Classic Car Collector Insurance

Image Source: heacockclassic.com

Summary

Heacock Classic Car Collector Insurance is owned by the Heacock Insurance Group, a full-service insurer with almost a hundred years of service. Based in Florida but servicing all fifty states, it has ties to the Sportscar Vintage Racing Association and offers discounts for members. The company gets high marks through its attentive customer service, fulfilling policies through the phone and issuing temporary insurance cards to clients until the policy is processed.

While Heacock's premiums are middle of the road, it gets high marks for having some of the lowest deductibles in the market – with some clients getting a deductible of zero. Their insurance policies are geared towards cars not used in everyday driving, so expect mileage limitations on each policy around 5,000 miles a year. Negatives include the low-tech website and issues with negotiating insurance renewals every year.

A.M. Best Financial Strength Rating

Heacock Classic Car Collector Insurance is backed by American Modern Insurance Group, which carries an A+ rating from A.M. Best

Where to Buy

The Verdict

The nine best classic car insurance companies on this list all deliver quality service, with some geared towards regular drivers who want added protection for valuable cars and some specializing in antique cars meant for garages rather than the road. We found one consistency across these nine companies – excellent customer service, as classic car clients have high-level policies that the companies want to keep with them. All nine companies specialized in agreed-value policies, where every policy is different based on an assessment of the collection by the agency.

Where they differed was in the additional features offered to clients, such as roadside assistance, coverage of repair and renovation costs, and mileage limits. That means that your best choice will depend on the size of your collection and how you intend to use it. If you're a collector who has a large number of antique cars, American National Insurance offers the deepest discounts in the field.

However, if you like to drive your cars and want comprehensive coverage for accidents and repairs, a company like J.C. Taylor Insurance offers highly customizable policies and personal attention thanks to a smaller customer base. However, there's one company that offers the best of both worlds, with comprehensive coverage, low premiums, and excellent customer service. We give Hagerty Classic Car Insurance our nod as the best classic car insurance on the market today.

Best Car Insurance In Arizona – Top 10 Revealed

Red and Yellow Hatchback car crash covered by the best car insurance in Arizona

Car insurance is a legal requirement in the United States, and the right amount of coverage for your car can give you proper financial protection if anything unfortunate were to happen. According to the Arizona Department of Transportation, in 2017 alone, over 120,000 car crashes occurred in Arizona. The best car insurance in Arizona may not protect against the actual accident, but the damages and costs can be diminished with the right coverage!

Having good car insurance is an essential aspect if you own a car. Why? Well, in the case of a car crash, you will need something to cover your expenses. It is also a legal obligation and can be detrimental if you are found without one.

Don't think it's only limited to cars! All motorist must be insured against their liability towards other people as stipulated in the Road Traffic Act of 1988, meaning if you have a motorcycle or any other type of motored vehicle, you must be insured to go on the road. Seeing as it is illegal to drive without it, if you are found with no insurance, you can be fined or disqualified for driving altogether.

So What Exactly Is Comprehensive Car Insurance?

Fully comprehensive car insurance covers you for damage to yourself, as well as your car. It can also cover for the third party in case of a crash. On top of which, mattering on the insurance, it can cover your car being stolen, or if your car takes fire damage.

wrecked car

Image Source: ​pixabay.com

There are four types of car insurance to be wary of:

Third-party Only

Third-party only means that if you are in a car crash that is your fault, the insurance company will cover the other parties needed compensation. If your car needs any repairs, however, you will need to pay for it yourself.

Third-party, Fire, and Theft

Similar to the last policy, this protects you from having to pay for the opposite parties damages, but it also protects against your car being stolen or any fire damage.

Telematics or "Black Box"

This is a newer option that might be optimal for newer, younger drivers. Your rate is determined by how well you drive with trackers installed inside your car. The better you are, the lower your rates.

Comprehensive

This covers you for practically everything. If you're in a crash, you are compensated as well as the other party. You are also protected against fire and theft.

Each type has its strengths and weaknesses. Search around different insurance agencies and see what's right got you.

Car Insurance FAQ

1. What is the Best Car Insurance in Arizona?

​2. How Do I Apply for the Best Car Insurance in Arizona?

​3. If I Have Moving Violations, Can I Still Get Coverage?

​4. How Can I Choose the Right Level of Coverage?

How We Reviewed

To find the best car insurance in Arizona, we looked at everything each insurance company had to offer. From the top insurance company in Arizona, we then chose the best car insurance in Arizona by looking at the features, coverage options, discounts, and filing claims, as well as the general pros and cons of each car insurance.

Overall Price Range

​The price range of insurance can vary wildly depending on what you are going for. Most of the time, you are going to be paying more than $200 a month, mattering on what you need.

What We Reviewed

  • ​State Farm
  • ​American Family
  • ​GEICO
  • ​Progressive
  • ​Farmer's Insurance
  • ​Allstate
  • ​Freedom National
  • ​Auto-Owners
  • ​USAA
  • ​Travelers

State Farm

Statefarm

Image source: statefarm.com

Features

State Farm has been around since 1922. As you might expect from the name, it has special insurance options for farmers and ranchers. You can call in to get a quote or visit one of their 18, 000 State Farm agents nationwide.

Coverage Options [5 Stars]

State Farm offers basic, collision, and comprehensive coverage. It also has liability insurance, car rental and travel expenses, uninsured/underinsured motor vehicle coverage, emergency road service, and rideshare driver coverage, plus coverage for medical payments.

State Farm has coverage options for cars, motorcycles, boats, and motor homes. It also has coverage for rental cars, teen drivers, business vehicles, and antique classic cars.

Discounts [4 Stars]

State Farm offers accident-free discounts, good student discounts, defensive driving discounts. It offers safe vehicle discounts and discounts for loyal customers with over one insured vehicle or policy through State Farm.

Apps/Website [4 Stars]

Customers can log into the website or app to access their policy information.

Ease of Filing Claims [5 Stars]

Customers can file claims over the phone by calling 800-SF-CLAIM or by going online to https://www.statefarm.com/claims.

​Pros

  • ​Apply in person or over the phone
  • ​Coverage for classic cars
  • ​Good for those with spotty driving records

Cons

  • ​Rates are slightly higher
  • ​Some agents better than others
American Family Insurance-Logo

Image source: amfam.com

Features

American Family has been in business for over 90 years. It has offices in 19 states and over 10,000 employees. Its average yearly auto insurance premium for customers is $3,443 according to US News & World Report.

Coverage Options [5 Stars]

American Family has coverage for collision and comprehensive. Collision meaning that if you rear-ended someone or vice versa, you are covered.

Discounts [4 Stars]

American Family has many different discount option that may make coverage more affordable for you. For example, if you are a student and are making good grades, you are liable for a discount on your insurance. Same for if you are a good driver.

Apps/Website [4 Stars]

You can go to their site or use their app to find more information about their policies and discounts.

Ease of Filing Claims [5 Stars]

Customers report dissatisfaction with the claims filing process.

Pros

  • Low rates for high coverage amounts
  • Customers with clean driving records get good rates

Cons

  • Significantly higher rates for young and male drivers
  • Higher rates than its competitors

GEICO

geico

Image source: geico.com

Features

Geico, standing for the Government Employees Insurance Company, is one of the largest auto insurers in the United States. It was founded in 1936 by Leo Goodwin Sr. and was made to provide auto insurance directly to federal government employees and their families.

Geico is known for covering all types of vehicles including motorcycles.

Coverage Options [5 Stars]

You can get the basic collision or comprehensive car insurance coverage here.

Discounts [4 Stars]

Geico has plenty of discount options, including but not limited to safe driving discounts, good student discounts, seat belt use discounts among many more.

Apps/Website [4 Stars]

You can go on their website or app to get further information about their policies.

Ease of Filing Claims [5 Stars]

Some customers complain that the prices are at times too steep to file claims.

​Pros

  • Has many discount options
  • Can use app or website for use

Cons

  • Prices can be high
  • Has a complicated sign-up procedure.

Progressive

progressive logo

Image source: progressive.com

Features

Progressive is known to be one of the largest auto insurance companies in America. It was founded by Joseph Lewis and Jack Green in 1937 giving good insurance to more risky drivers. It is now known for giving insurance to not only cars but boats, RVs, motorcycles, among many more vehicles.

Coverage Options [5 Stars]

Progressive is known for having many coverage options to fit your specific needs.

Discounts [4 Stars]

They have many different discounts that make your insurance less of a hassle.

Apps/Website [4 Stars]

You can go on their website or app to get further information about their policies.

Ease of Filing Claims [5 Stars]

Since they are such a big firm, it is easy to file a claim. There are many different options in ways to contact them.

​Pros

  • Fast and easy process
  • Many different ways to get coverage
  • Many great discounts

Cons

  • Can still get expensive
  • Can be a bit daunting for newcomers

Farmers

farmers logo

Image source: farmers.com

Features

Key features of Farmers Insurance include personal injury protection and rideshare insurance. According to US News & World Report, the average yearly premium is $4,194.27.

Coverage Options [4 Stars]

Farmers insurance has many coverage options to fit your specific needs.

Discounts [4 Stars]

Farmers offer bundle discounts.

Apps/Website [4 Stars]

You can go on their website or app to get further information about their policies.

Ease of Filing Claims [3 Stars]

While there are several ways to contact them, it isn't as simple as pressing a button.

​Pros

  • Offers bundle discounts
  • Has many coverage options

Cons

  • Comparatively difficult to contact
  • Expensive

Allstate

Allstate logo

Image source: allstate.com

Features

Being yet another of one of the largest car insurance companies in America, Allstate was founded in 1931 as part of Sears. They have branches all over America, and even have work in Canada!

Coverage Options [5 Stars]

They offer many different coverage options to help you on your way to getting great insurance!

Discounts [4 Stars]

While not as diverse in discounts as some other big companies, Allstate does not skimp out in having various discounts to make your insurance affordable.

Apps/Website [4 Stars]

You can go on their website or app to get further information about their policies.

Ease of Filing Claims [5 Stars]

Since the firm is so large and has so many ways of contact, it is easy and simple to get your claims filed.

​Pros

  • Larger firm means easier contacts
  • Good coverage options
  • Many discounts on hand

Cons

  • Larger firms mean colder workers

Freedom National

freedom national logo

Image source: freedomgeneral

Features

Freedom National is an online insurance agency made to provide cheap and affordable car insurance for your needs. It provides for multiple products around several states making it easy to find cheap and affordable car insurance. It's one for the best car insurance in Arizona specifically because it specializes there.

Coverage Options [5 Stars]

Because liability coverage is required in Arizona, they specifically cater to that law-abiding need. They also cover physical damage and medical payments, which is rare.

Discounts [3 Stars]

While they do not explicitly express discount rates, their low overall rates make them a great option.

Apps/Website [3 Stars]

You can go on their website to get further information about their policies.

Ease of Filing Claims [3 Stars]

Due to being a smaller firm, customers seem to have difficulty getting into contact with the dealers.

​Pros

  • Local, so it can provide for specific needs
  • Has many coverage options
  • Cheap

Cons

  • Coverage can vary
  • Have long wait times

Auto-Owners

auto owners

Image source: auto-owners

Features

Holding insurance for over 200 million policyholders, Auto-Owners Insurance has won several rewards for its service and is known for good insurance.

Coverage Options [5 Stars]

Auto-Owners has many different coverage options and includes rad repair, meaning if something happens to you on the road, such as a flat tire, you can get it repaired with just a call away.

Discounts [3 Stars]

Their discounts are not freely displayed. However, they are known for their cheap and accessible rates.

Apps/Website [3 Stars]

You can go on their website to get further information about their policies.

Ease of Filing Claims [4 Stars]

Filing a claim with them is as easy as getting on their website and giving them a problem. You can also call them on their hotline.

​Pros

  • Easy claim system
  • Cheap and accessible
  • Are well established

Cons

  • Service can be slow

USAA

USAA Logo

Image source: usaa.com

Features

The United States Automobile Association or USAA for short is a Texas-based financial service that has branches around many states. While they have insurance hands in many different branches, they specialize in car and automobile insurance.

Coverage Options [3 Stars]

They offer very basic collision coverage.

Discounts [3 Stars]

There aren't many discounts to be found, but they do offer different services based on your situation.

Apps/Website [3 Stars]

You can go on their website to get further information about their policies.

Ease of Filing Claims [4 Stars]

There are many ways to make a claim—from going online to making a call.

​Pros

  • Decently easy to contact
  • Have many different options and plans
  • Can help you in more than car insurance

Cons

  • Hard to get information about them

Travelers

travelers

Image source: travelers.com

Features

Travelers Insurance is a company first founded back in the 1850s. It covers many different types of insurance, including auto insurance, and is known for being the second biggest writers for casualty insurance.

Coverage Options [5 Stars]

Travelers Insurance has a wide range of discounts to help you on your way.

Discounts [5 Stars]

Travelers Insurance has a wide range of discounts to help you on your way.

Apps/Website [4 Stars]

You can go on their website to get further information about their policies.

Ease of Filing Claims [5 Stars]

Phone numbers, websites, emails, and social media accounts are just some of the ways that you can contact them, and it's a simple and easy process.

​Pros

  • Great coverage
  • Many options to fit specific needs
  • Many discounts to help you on your way

Cons

  • Can still get expensive
  • Can be slow

The Verdict

Though there were many great choices in terms of who or what had the best coverage, Progressive seemed to have the best in most regards. While not local like some of the other insurance companies, it still had great coverage at good prices, on top of which having good service. Of the many types of insurances, I think that it covered most of what anyone would need on top of having good discounts for those different services.


Featured Image from Pixabay

Root Auto Insurance Review

Man in shades inside car

Root is part of a new wave of insurance providers using your own driving habits to help determine your rates. In this Root auto insurance review, we will go into what exactly Root auto insurance is and what makes it different, plus information on how to apply, filing claims, and more.

What Is Root Auto Insurance?

Root is an auto insurance company headquartered in Columbus, Ohio. It has over 350 employees and plans to expand further.

Root is the first entirely mobile app-based auto insurance company. Good drivers are rewarded with lower rates based on their driving behaviors. Each customer has to do a test drive before Root will offer coverage.

Root collects telematics from the accelerometer in users' smartphones plus other data. It uses its own algorithm to calculate driving behavior and risk and offer policies accordingly.

Driving Algorithm

Root uses a combination of 200 factors to decide on a driver's rate. These include braking, the number of miles driven, turning, and phone use while driving. Root says the app's machine learning can detect whether you are biking or taking the train versus driving, and those trips won't be counted.

man holding smartphone

​image source: pixabay

It may go without saying that drivers need to have their phones with them at all times when they're driving. The test drive usually takes around 2-3 weeks to complete. For the best outcome, don't drive late at night if you can avoid it, never text and drive, and avoid hard turns and braking.

Day One Coverage

Usually, customers must already be insured or get short-term coverage through another provider during the test drive. But Root offers some customers coverage "from day one". Based on the driving test, Root may not offer a policy, but customers have 60 days of coverage in which to find another provider.

Customers can click here to see if they are eligible for day one joinroot.com/help/day-one.

Where Is Root Auto Insurance Available?

US map

​image source: unsplash

Root auto insurance is licensed in 23 states nationwide: Arizona, Arkansas, Colorado, Delaware, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, New Mexico, Nebraska, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Texas, and Utah.

If your state isn't listed yet, keep checking back on Root's website.

Root Auto Insurance Review

According to Clearsurance.com, Root has a rating of 3.48 out of 5. Customers like that they get lower rates across the board. Some unhappy reviews come from customers who were denied coverage after the test drive, while others were unhappy with the claims process. From those who pass, however, Root auto insurance generally gets good marks.

How to Apply

hand shake

​image source:  pixabay

As you can see from our Root auto insurance review, it is easy to apply. Once you download the app, the app does most of the work.

The app, once downloaded to your phone, detects your driving behavior, miles driven, and also knows when you drive most, at night or during the day. Late-night driving is seen as less safe than daytime. Careful drivers who don't work late hours will see the best rates.

  1. Download the app and sign up for your test drive.
  2. Take the test drive. This could last anywhere from 2 weeks to 30 days depending on how much you drive.
  3. Check your score on the Driver Scorecard on the app. You can track how you're doing with turning, braking, and maneuvering the road.
  4. Get your score. You will be ranked between 1-10. If your score is lower than you'd like, you can try to increase it during the rest of your test drive.
  5. Get your quote from Root based on your Driving Scorecard.

What If I Am Not Offered a Quote?

We hope all readers of this Root auto insurance review try Root out.

If you don't get a quote, that probably means the score on your Driving Scorecard wasn't high enough. Or there could have been other factors. Reach out to Root directly to ask for clarification on your situation.

How to Contact Root

​ phone: 9 a.m. to 5 p.m. EST, M-F at 1-866-980-9431

​email: contact@joinroot.com

How to File a Claim

business man handshake

​image source: pixabay

Readers of this Root auto insurance review should not be surprised that you file claims through Root's mobile app. This is a truly app-based insurance company. You can upload photos and enter information about the accident. A claims adjuster will be in touch to complete the process.

Features


Here are some features we want to highlight in this Root auto insurance review:

  • ​Mostly app-based
  • ​Rates based on driving behavior
  • ​Low rates for good drivers
  • ​Must submit 2-3 weeks of driving behavior through the app to get a quote
  • ​Choice of Lyft credits instead of a rental car
  • ​Lower rates for Tesla Autopilot drivers

Pricing

The cost of your Root auto insurance policy depends on a few things. Mostly it depends on the outcome of your test drive. Other points like past driving history and age factor in, but not as much as with other providers.

How It Compares

business man looking at the laptop

​image source: pixabay

We picked a few similar products available on the market to see how they compare in this Root auto insurance review.

  • ​Ameriprise
  • ​Erie
  • ​GEICO

Root Auto Insurance


Coverage Options - 4 Stars

As you can see from this Root auto insurance review, Root offers adequate coverage for drivers in any state.

Root offers the usual coverage options you come to expect. It includes 2 free calls for roadside assistance at no extra charge.

Here is a list of the coverage options:

  • ​Bodily injury
  • ​Property damage
  • ​Collision and Comprehensive
  • ​Medical payments
  • ​Personal injury protection
  • ​Under and insured motorist protection
  • ​Rental car
  • ​Roadside assistance
  • ​Discounts
  • Apps/Website
  • Ease of Filing Claims

​5 Stars

Based on Internet review, customers give Root's mobile app and website high marks.

Pros

  • ​Able drivers are rewarded with low rates
  • ​Good for teens or other high-risk drivers

Cons

  • ​Six-month long policies
  • ​The test drive is normally not covered
  • ​Submitting a long period of driving behavior
crashed cars

​image source: pixabay

Ameriprise

An important part of our Root auto insurance review is to review other providers out there. One fantastic choice is Ameriprise. Customers love it for its low rates and good customer service.

Ameriprise has been in business since 1894. It also offers financial products. It received the highest rating of any company in J.D. Power's 2015 customer satisfaction survey for the California region.

Coverage Options - 5Stars

Here is a list of the coverage options:

  • ​Lifetime renewability for Ameriprise Financial clients
  • ​New car replacement
  • ​Glass repair with no deductible
  • ​Gap coverage - Ameriprise will pay up to 120% of your vehicle's value so you aren't stuck with a loan on a car you don't own anymore
  • ​Stolen key and lock replacement coverage - no deductible under $250
  • ​Accident forgiveness for policyholders with three years of safe driving
  • ​Accident travel expense coverage - if you are stranded and need accommodation for the night
  • ​Discounts
  • Apps/Website
  • Ease of Filing Claims

5 Stars

Ameriprise is very well regarded for customer service. For customer service, Ameriprise got the highest rating of any company in J.D. Power's 2015 customer satisfaction survey for the California region.

Pros

  • ​Lifetime renewability for Ameriprise Financial customers
  • ​Multiple discounts
  • ​Excellent customer service

Cons

  • ​Only available in 34 states
  • ​May have to call to get a final quote
  • ​Uses information from six years of driving history
listing of car ruined parts

​image source: pixabay

E​​​​​​​rie

As part of our Root auto insurance review, we think it is important to compare multiple providers. We want you to find the rate that is best for you. Erie is a regional insurance carrier based in Erie, Pennsylvania. It is available in 12 states plus Washington D.C. If Erie is in your area, it's definitely worth a look as most customers are satisfied with their choice.

Key features of this provider include Rate lock, which locks in your auto rate unless you add vehicles or move. Accident forgiveness is included after 3 years of safe driving, and there is also pet coverage. Some nice extras are new car protection, better car protection, and rental car coverage that lets you upgrade to an SUV if you choose.

Coverage Options - 5 Stars

Besides auto insurance, Erie also offers renters, condo, and home insurance. Other insurance products it offers are umbrella insurance, insurance for classic and recreational vehicles, boat insurance, identity theft insurance, and business insurance.

Erie also sells a suite of retirement planning products.


  • ​Discounts
  • Apps/Website
  • Ease of Filing Claims

5 Stars

Erie won the top award for Auto Claims Satisfaction in the 2018 J.D. Power Study.

Pros

  • ​Robust coverage options
  • ​Diminishing deductible and Rate Lock
  • ​High marks for settling claims

Cons

  • ​Only available in 12 states plus Washington D.C.
  • ​No other cons found

GEICO

Geico primarily sells policies direct to consumers so it can keep prices low. That being said, it has 150 locations nationwide if you prefer to talk to an agent in person. Geico offers fantastic rates to people with no accident history. High-risk drivers will probably see higher rates with Geico.

Coverage Options - 4 Stars

​Geico has many coverage options. The main ones include

  • ​Bodily injury and property liability coverage
  • ​Collision and comprehensive coverage
  • ​Uninsured and underinsured liability coverage
  • ​Medical payment and personal injury protection coverage
  • ​Gap Insurance for leased vehicles
  • ​Other Coverage Options

Mechanical Breakdown Insurance, combined rideshare insurance that covers drivers when they're both on work and personal time, Emergency Road Service, accident forgiveness {not available in CA, CT, or MA}, glass coverage, and rental reimbursement.

There's coverage for more than just personal vehicles. Geico has motorcycle insurance, ATV insurance, plus customers can combine their homeowners and motor home policies.

  • ​Discounts
  • Apps/Website
  • Ease of Filing Claims

5 Stars

Customers can file claims right from the mobile app.

Pros

  • ​Accident forgiveness and rideshare coverage in 40 states
  • ​Military and student discounts
  • ​Well-established provider
  • ​Low rates for good drivers

Cons

  • ​Not good for high-risk drivers
  • ​No new car replacement

Conclusion

man driving car

​image source: pixabay

Now we have reached the end of our Root auto insurance review. Based on everything we have learned, we will give Root auto insurance a rating of 4 stars. We love that Root rewards good drivers with low rates. We took off one star because most drivers need to get other coverage during their test drive.

Root is a solid choice for people with good driving habits. If it is in your area, it is worth a look!

Ameriprise Car Insurance Review

Man using smartphone while driving

Choosing the right car insurance is essential to protecting your assets in the event of an accident. That said, the process of picking which insurance company will best suit your needs can be stressful. This Ameriprise car insurance review is designed to make your search a little easier. In order to pick the best insurance, you have to explore the options available and do a lot of comparative research. Fortunately, we have done all the work for you!

There are numerous considerations when picking car insurance such as how much coverage to purchase, your driving record, and which company will be the best fit for your lifestyle and needs. As a consumer, you should receive the best service for your money. In this Ameriprise car insurance review, we will present an honest comparison between Ameriprise and other quality insurance providers.

​What Is Ameriprise Car Insurance?

The obvious place to start with an Ameriprise car insurance review is making it clear Ameriprise has some of the lowest rates in the industry. For drivers who want decent coverage at a budget price, they are the ideal choice. There are also a variety of discounts available that can give you added savings on their already low rates.

That said, it is important to note Ameriprise is only available in 34 states. So your location will have a great deal to do with whether you will be able to access their coverage. Also, if you are a high-risk driver, meaning you have accidents a lot, they may not provide you with the best deal. They review past driving history for six years when considering your quote, vs. the five-year industry standard

​Ameriprise Car Insurance Review - Special Features

While researching for this Ameriprise car insurance review, we found benefits beyond the company's reputation for low prices and excellent customer service. They have a variety of coverage options, like stolen key replacement for key sets under $250 and windshield repairs, included at no additional cost.

They also offer lifetime renewability for customers who opt into their financial planning services program. Policyholders can expect streamlined claims and policy management, allowing you 24/7 accident reporting and online policy management. There is accident forgiveness for policyholders who have three consecutive accident-free years.

Smiling man and woman sitting inside vehicle

Image by mentatdgt via Pexels

The exceptions to accident forgiveness benefits are policyholders in California, Kansas, and North Carolina. If you live in one of those states, the company gradually lowers any accident related surcharges you may have. They also offer glass repair deductible waivers for windshield damage caused by instances like cracks on road trips. The waiver does not cover full windshield replacement.

Something very useful is the accident travel expense contributions, It helps cover travel or accommodation needed because of accidents more than 100 miles from your residence. It is worth noting, according to the National Association of Insurance Commissioners, Ameriprise has relatively few consumer complaints. All considered, it is understandable why we chose an Ameriprise car insurance review.

​Pricing

Cars parked in a row

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We obviously can't do a proper Ameriprise car insurance review without talking directly about the cost. Ameriprise has base rates that are pretty close to the industry standard. What pulls their prices below the norm, and has given them a reputation for budget deals, are the discounts. If one or more of their various discounts apply to you, it can make an Ameriprise quote surprisingly low.

​How It Compares

Now that we have sung the praises of Ameriprise, it is only fair to round out this Ameriprise car insurance review by showing you how they directly compare to other auto insurance companies. The most competitive options we found for review were:

  • Esurance
  • Progressive
  • Geico

Ameriprise

Ameriprise Car Insurance

Image via Ameripirse website

Coverage Options

The coverage options for Ameriprise are pretty much in line with industry standards. That said, certain factors, such as your driver demographic, have an effect on your quote. Younger drivers, even with a clean driving record, will pay more. In those cases, customers may find better deals, initially at least, with other companies.

Part of our Ameriprise car insurance review has to address specialty vehicle insurance coverage. If you own an ATV, boat or other watercraft, collector car, or motorcycle, you will need specialty vehicle insurance coverage.

Ameriprise does not directly offer such insurance but can provide you a quote through one of their partner insurers. They partner with Progressive, American Modern, Arrowhead, Chubb, Embrace, Hartford, and RLI.