Clearcover is an excellent choice if you’re looking for a car insurance company with a frictionless digital experience and rates that don’t break the bank. The insurer is also known for quick, same-day claims compensation, while other insurers may take weeks.<\/p>
However, Clearcover is only available in certain states and offers limited coverage options. Also, Clearcover’s small presence compared to insurance giants like GEICO, State Farm, and other top cheap car insurance providers may raise concerns, and it has more customer complaints than average according to third-party sites. <\/p>
That said, the company has an A+ rating from the Better Business Bureau (BBB), which could reassure customers who are on the fence.<\/p>
Clearcover launched in 2018 in California. One of its investors is American Family Ventures, the investment arm of American Family Insurance.<\/p>
The company costs less than major companies like Geico and State Farm. Its coverage options are fairly basic, but there are a few great add-ons. One unique option is alternate transport coverage, which will pay for a rental car, rideshare services or public transportation if you can’t drive your car after an accident.<\/p>
Clearcover sells car insurance in 19 states:<\/p>
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\u2019ll pay an increased rate sooner.<\/p>
Clearcover’s user-friendly website makes it easy to get a quote in a few minutes.<\/p>
Clearcover offers all the typical car insurance coverage types that drivers will find at other car insurance companies.<\/p>
Liability auto insurance\u00a0pays the medical expenses for other people\u2019s injuries and property damage in an accident that you cause. It also covers your legal expenses if someone sues you over a car accident.<\/p>
Comprehensive insurance\u00a0pays to repair or replace your car if damaged by a problem such as fire, vandalism, flooding, falling objects, hail or animal collisions. It also pays out if your car is stolen.<\/p>
Collision insurance pays to repair or replace your car when it\u2019s been damaged in an accident, regardless of fault. It also pays for your car\u2019s damage if you hit an object (such as a fence or tree).<\/p>
Comprehensive and collision insurance\u00a0are optional and often sold together. If you have a car loan or lease, your lender or leasing company will likely require you to buy them.<\/p>
PIP coverage pays for medical bills and other health care costs if you or your passengers are injured in an accident, regardless of who\u2019s at fault. It also covers funeral expenses, lost wages, and pays for basic services such as child care.\u00a0Personal injury protection insurance\u00a0is required in 15 states, optional in other states and unavailable in some.<\/p>
Uninsured motorist coverage\u00a0pays for your medical bills if a driver who doesn\u2019t have liability insurance causes an accident that injures you or your passengers. Underinsured motorist coverage pays for you and your passengers\u2019 medical bills if you are hit by a driver who does not have enough liability insurance. <\/p>
This coverage is required in 22 states and optional in other states.<\/p>
Medical payments coverage (MedPay)\u00a0pays for medical expenses for injuries to you and your passengers, no matter who\u2019s at fault for the accident. It\u2019s required in some states and optional in others. MedPay is usually sold in small amounts between $1,000 and $5,000.<\/p>
You can buy additional coverage to pay for other types of problems, such as\u00a0rental reimbursement insurance\u00a0if your car is in the shop or roadside service if your car is disabled:<\/p>
The table below shows that Clearcover’s rates are lower than the industry average across most ages and genders. While Clearcover’s rates are on par with the industry average for teenagers, you may be able to find better rates elsewhere. <\/p>
Clearcover also offers exceptional rates for those with at-fault accidents and speeding tickets on their record, according to insurance comparison company Insurify. However, those with a DUI can expect higher rates than the industry average with Clearcover. <\/p>