Buckle provides all-inclusive car insurance for rideshare and delivery drivers and their vehicles during any and all parts of the rideshare or delivery process. Compared to other insurance providers, which require you to buy a separate policy or endorsement for ride-sharing, this one makes things a lot easier. If you drive for both business and pleasure, it makes sense to consolidate your auto insurance coverage under a single policy. And because Buckle bases its insurance premiums on your star rating rather than your credit score, it may be more affordable for gig workers. In this piece, we’ll take a look at the Full Buckle insurance review and talk about our thoughts on the customer service, the claims, and the quote.
What Is Buckle Insurance?: Overview
Buckle Insurance is a company that specializes in providing innovative and flexible insurance solutions to drivers, with a focus on rideshare and delivery drivers. Their unique approach to insurance aims to simplify the process for gig economy workers by offering coverage that adapts to their changing needs.
One of the key features of Buckle Insurance is its usage-based insurance model, which means that drivers pay for insurance based on their actual driving behavior and mileage. This personalized approach allows drivers to save money by paying for insurance only when they are actively working, providing a cost-effective solution for part-time or occasional drivers.
Buckle Insurance also stands out for its quick and hassle-free application process. Through their user-friendly mobile app or website, drivers can easily obtain a quote, customize their coverage, and get insured within minutes. The company uses advanced technology and data analytics to assess risk factors accurately, enabling it to offer competitive rates and tailored insurance plans.
Additionally, Buckle Insurance prides itself on excellent customer service, ensuring that drivers have access to support whenever they need it. Their responsive customer support team is available to assist with claims processing, policy inquiries, and any other concerns that drivers may have.
Overall, Buckle Insurance provides a modern, convenient, and affordable insurance solution for rideshare and delivery drivers, making it easier for them to protect themselves and their vehicles while working in the gig economy.
How Does Buckle Insurance Work?
Buckle Insurance operates on a usage-based insurance model designed to cater to the specific needs of rideshare and delivery drivers. Here’s how it works:
#1. Application Process
Drivers can apply for Buckle Insurance through their user-friendly mobile app or website. The application process is quick and straightforward, allowing drivers to provide the necessary information and get a quote within minutes.
#2. Usage-Based Tracking
Buckle Insurance uses telematics and data analytics to track drivers’ actual driving behavior and mileage. This data is crucial in determining the insurance premium. Drivers are charged based on how much they drive and when they are actively working, making it a cost-effective solution for part-time or occasional drivers.
#3. Personalized Coverage
Buckle Insurance offers personalized coverage options that adapt to drivers’ changing work patterns. Drivers have the flexibility to customize their insurance plans according to their needs, ensuring they pay for the coverage they require.
#4. Affordability
Because drivers pay for insurance only when they are working, Buckle Insurance can offer competitive rates. This usage-based approach often results in more affordable premiums, especially for drivers who do not use their vehicles full-time.
#5. Claims and Support
Buckle Insurance provides reliable customer support to assist drivers with claims processing, policy inquiries, and other concerns. Their responsive customer service team ensures that drivers have access to assistance whenever they need it.
In summary, Buckle Insurance works by offering usage-based insurance plans tailored for rideshare and delivery drivers. Through advanced technology and personalized coverage options, drivers can obtain affordable insurance that aligns with their specific driving habits and work schedules.
What Does Buckle Offer Drivers?
Buckle Insurance offers rideshare and delivery drivers a range of benefits and features tailored to their unique needs:
#1. Customizable Coverage
Drivers can tailor their insurance plans according to their specific needs. Buckle Insurance offers personalized coverage options, ensuring that drivers pay for the protection that aligns with their work patterns and requirements.
#2. Usage-Based Insurance
Buckle Insurance provides usage-based insurance plans, allowing drivers to pay for coverage based on their actual driving behavior and mileage. This flexible approach can lead to more affordable premiums, especially for part-time or occasional drivers.
#3. Quick and Easy Application
Buckle Insurance offers a hassle-free application process. Drivers can apply for coverage through their user-friendly mobile app or website, getting a quote and obtaining insurance within minutes.
#4. Affordability
By charging drivers based on their active driving periods, Buckle Insurance can offer competitive rates. This affordability makes it an attractive choice for rideshare and delivery drivers looking for cost-effective insurance solutions.
#5. Responsive Customer Support
Buckle Insurance provides excellent customer service, offering support for claims processing, policy inquiries, and other concerns. Their customer support team is readily available to assist drivers whenever they need assistance.
#6. Focus on Gig Economy Workers
In addition, Buckle Insurance specifically caters to gig economy workers, understanding the unique challenges and needs of rideshare and delivery drivers. Their specialized approach ensures that drivers receive coverage tailored to the demands of their flexible work schedules.
In general, Buckle Insurance provides drivers with ease, affordability, and customized coverage options, allowing them to better safeguard themselves and their vehicles while participating in the gig economy.
How Do I Get Buckle Insurance?
Customers can purchase auto insurance coverage from Buckle directly from the company’s website.
However, connecting your rideshare or delivery driver account to Buckle’s protected system is the first step in obtaining a quote for insurance, as the company’s services are limited to rideshare and delivery drivers. Buckle uses this information to authenticate your position as a driver and the firm uses your ride-share star rating to help determine your vehicle insurance rate instead of reviewing your credit score.
Buckle’s quote and purchase processes are consistent with those of other big insurers once you’ve linked your account. To begin, you’ll need to supply the VINs for each vehicle you want covered, along with your driver’s license number, policy preferences, and payment details, as is the case with the vast majority of insurance providers.
Even though you can only get Buckle insurance if you drive for a ride-share or delivery service, you can insure up to four vehicles on your policy, whether they are used professionally or not.
What Does Buckle Insurance Cover?
Buckle Insurance provides coverage tailored for rideshare and delivery drivers, offering protection for various aspects of their work-related activities. While specific coverage details may vary based on the driver’s chosen plan and individual needs, Buckle Insurance typically covers:
- Liability Insurance: This coverage helps pay for bodily injury and property damage costs if the driver is at fault in an accident while using their vehicle for rideshare or delivery services.
- Uninsured/Underinsured Motorist Coverage: This type of insurance protects the driver if they are involved in an accident with a motorist who does not have insurance or does not have enough insurance to cover the damages.
- Comprehensive Coverage: This coverage assists in paying for damage to the driver’s vehicle resulting from circumstances other than collisions, such as theft, vandalism, or natural disasters.
- Collision Coverage: Collision coverage pays for repairs to the driver’s vehicle if it is damaged in a collision with another vehicle or object.
- Personal Injury Protection (PIP) or Medical Payments Coverage: This coverage helps pay for medical expenses for the driver and their passengers in case of injury, regardless of who is at fault in an accident.
- Contingent Coverage: Buckle Insurance often provides coverage that kicks in when the rideshare or delivery company’s insurance does not cover the driver. Also, this is important for rideshare drivers who may have coverage gaps during certain periods.
It’s important for drivers to review their policy documents carefully and understand the specific coverage limits and terms provided by Buckle Insurance to ensure they have adequate protection while working in the gig economy.
Buckle Insurance Quote
Buckle Insurance offers a streamlined and user-friendly process for obtaining insurance quotes, tailored specifically for rideshare and delivery drivers. To receive a Buckle Insurance quote, drivers can use their intuitive mobile app or website. The application process is quick and hassle-free, allowing drivers to enter their information and tailor their coverage options within minutes. Buckle Insurance stands out with its usage-based insurance model, where drivers pay for coverage based on their actual driving behavior and mileage. This personalized approach ensures that drivers only pay for the insurance they need, making it a cost-effective solution, especially for part-time or occasional drivers.
By leveraging advanced technology and data analytics, Buckle Insurance provides competitive and accurate quotes, empowering drivers to make informed decisions about their insurance coverage. With responsive customer support available to assist throughout the process, Buckle Insurance offers drivers a convenient and efficient way to obtain tailored insurance quotes that suit their unique requirements.
Buckle Auto Insurance Discounts
Buckle Insurance offers various discounts to help drivers save on their auto insurance premiums. While specific discounts can vary based on individual circumstances and location, some common discounts offered by Buckle Insurance may include:
- Usage-Based Discounts: Buckle Insurance’s usage-based insurance model allows drivers to earn discounts based on their safe driving habits and mileage. Drivers who exhibit responsible driving behavior can enjoy lower premiums.
- Multi-Vehicle Discounts: If a driver insures multiple vehicles under the same policy with Buckle Insurance, they may be eligible for a multi-vehicle discount, helping them save on overall insurance costs.
- Safety Features Discounts: Vehicles equipped with safety features such as anti-lock brakes, airbags, and anti-theft devices may qualify for discounts, as these features reduce the risk of accidents and theft.
- Good Student Discounts: Young drivers who maintain good grades in school may be eligible for a good student discount, reflecting their responsible behavior both on the road and in academics.
- Bundling Discounts: Drivers who bundle their auto insurance with other insurance products, such as homeowners or renters insurance, may receive a discount on their premiums.
- Renewal Discounts: Buckle Insurance may offer discounts to loyal customers who renew their policies, encouraging customer retention.
It’s important for drivers to inquire about the specific discounts available to them when obtaining a quote from Buckle Insurance. Each driver’s eligibility for discounts can vary, and taking advantage of these discounts can significantly reduce the overall cost of auto insurance coverage.
What Insurance Is Similar to Buckle?
There are several insurance companies that offer usage-based insurance and cater to rideshare and gig economy drivers, similar to Buckle Insurance. Some of these companies include:
#1. Hugo
Hugo Insurance is an innovative insurance company that caters specifically to rideshare and gig economy drivers, offering a unique approach to coverage similar to Buckle Insurance. It stands out by providing usage-based insurance tailored for drivers who work in the gig economy. Their focus is on flexibility and affordability, allowing drivers to pay for insurance coverage only when they are actively working, aligning with their changing schedules. With a user-friendly mobile app, drivers can easily manage their policies, customize coverage, and obtain quotes within minutes.
Also, its usage-based model ensures that drivers pay for the insurance they need, making it an attractive option for part-time or occasional gig workers. The company’s commitment to providing cost-effective and personalized insurance solutions, coupled with responsive customer support, makes Hugo Insurance a convenient and reliable choice for rideshare and delivery drivers looking for tailored coverage options in the evolving gig economy landscape.
#2. Root Insurance
Root Insurance is a prominent insurance company that shares similarities with Buckle Insurance, particularly in its usage-based approach to coverage. Like Buckle, Root Insurance uses telematics and smartphone technology to assess drivers’ behavior and determine insurance rates based on their driving habits. Root Insurance stands out for its focus on personalized, fair pricing, with safe drivers rewarded with lower premiums. Through their mobile app, drivers can easily monitor their driving behavior and obtain customized quotes. The company emphasizes transparency, enabling drivers to understand how their driving impacts their insurance costs.
Root Insurance offers ridesharing and gig economy workers flexible coverage to fit their schedules and driving patterns. Root Insurance focuses on technology-driven, personalized insurance solutions to give drivers a modern and easy way to get affordable and flexible coverage. This makes it a similar option to Buckle Insurance for people looking for usage-based insurance alternatives.
#3. Clearcover
Clearcover is a leading insurance company similar to Buckle, known for its innovative and technology-driven approach to auto insurance. Like Buckle, Clearcover leverages advanced data analytics to provide competitive rates and personalized coverage options. The company offers a simple online platform that lets drivers design insurance and get estimates in minutes. Clearcover emphasizes affordability without compromising coverage quality, making it an appealing choice for rideshare and gig economy drivers looking for cost-effective options.
Also, they provide transparent policies and straightforward claims processes, ensuring a hassle-free experience for their customers. Clearcover’s commitment to delivering value, combined with its user-friendly interface and responsive customer support, makes it a comparable alternative for drivers seeking convenient and budget-friendly insurance solutions, similar to what Buckle Insurance offers in the competitive insurance market.
#4. Slice
Slice is a progressive insurance company that shares similarities with Buckle Insurance, especially in its focus on the gig economy and rideshare drivers. Similar to Buckle, Slice offers on-demand insurance tailored for gig workers, allowing drivers to pay for coverage only when they are actively working. This flexibility aligns with the fluctuating schedules of rideshare and delivery drivers. Slice’s user-friendly app enables drivers to easily manage their policies, adjust coverage, and obtain quotes instantly, enhancing convenience and accessibility. Also, the company specializes in providing affordable and customizable insurance options, catering to the specific needs of gig economy workers.
Slice’s simple digital experience and quick claims process set them apart, providing drivers with a simple and effective insurance option. Slice’s simplicity, cost, and flexible coverage make it a good Buckle Insurance alternative for rideshare and gig economy drivers.
How to File a Claim With Buckle Insurance
To file a claim with Buckle Insurance, policyholders can follow these general steps:
1. Contact Buckle: Notify Buckle Insurance about the incident as soon as possible. You can typically find the contact information on your insurance policy documents or the company’s website.
2. Provide Details: Be prepared to provide details about the incident, including the date, time, location, and a description of what happened. Include any relevant information about the other parties involved and any witnesses.
3. Submit Documentation: Depending on the nature of the claim, you may need to submit supporting documents such as photos of the damage, police reports, or medical records. Make sure to gather and provide all necessary paperwork to facilitate the claims process.
4. Cooperate with Investigation: Buckle Insurance may conduct an investigation to assess the claim. Cooperate fully with their inquiries, providing any additional information or documentation they request.
5. Claim Evaluation: Buckle Insurance will evaluate the provided information and documentation to determine the validity of the claim and the coverage applicable to the situation.
6. Resolution: Once the evaluation is complete and the claim is approved, Buckle Insurance will work to settle the claim promptly, providing compensation or arranging for repairs as per the policy terms.
Claims procedures and standards can differ depending on the nature of the claim and the specifics of your policy, so it’s important to familiarize yourself with both before filing a claim. Contacting Buckle Insurance’s customer service directly is the best way to get accurate and complete information on submitting a claim.
How Much Is Typical Buckle Insurance?
Buckle auto insurance rates in Georgia start at $55/month, according to their website; however, they do not specify what this pricing includes. We were unable to ascertain what the initial $55/month paid for, but we will revise this if we learn more.
Buckle also claims that you can save $50–$200 monthly by switching to them from your current insurance provider. You must link your Lyft account in order to receive a price estimate. Since my Lyft profile indicates that I am now employed in Minnesota, I was unable to obtain a quote.
Buckle Insurance Customer Service
Despite Buckle’s relatively young age, the Gateway Insurance Group, which has been around since 1986, is the insurer behind its auto policy. As an alternative to AM Best, Gateway has been given an “A” by the credit rating agency Demotech. Demotech’s third-highest score indicates that the company can pay claims in all but the worst economic conditions.
It’s safe to assume that policyholders are pleased with Buckle’s response time and handling of claims.
In 2021, the National Association of Insurance Commissioners (NAIC) gave Gateway a perfect “0” for customer service.
Ridesharing insurance is not required in Georgia. Nonetheless, at this time, the state mandates that you carry at least the bare minimum in insurance coverage, which includes $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability.
What Makes Buckle Unique From Other Insurance Options? Bottom Line
It’s safe to assume that Buckle knows what they’re doing in any rideshare-related circumstance, given that they exclusively employ drivers for that service. Buckle promises to resolve any issues raised by customers who contact them directly.
Additionally, Buckle appears to be aware of the specific insurance requirements of rideshare drivers, as they provide this protection as standard rather than as an optional extra. With Buckle, you’re just automatically covered for all eventualities.
Buckle insurance requires that you have a Lyft account in order to get a quotation and/or sign up.
Frequently Asked Questions
Who is the founder of Buckle insurance?
Dustin Walsey is the Chief Executive Officer and Co-Founder of Buckle, a provider of financial services for the collaborative economy. The entrepreneurial spirit has always been strong in Dustin.
What states is Buckle Insurance available in?
Currently, Buckle auto insurance is available to drivers in Georgia, Illinois, Maryland, Nevada, Pennsylvania, Tennessee, Texas, and Washington, D.C.
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