Clearcover Insurance Review:
Smartest Car Insurance for 2022?

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TLTR: This Clearcover Insurance Review by Agency Height valuates car insurance carrier Clearcover to help you decide if it is the right choice for you.

If you have an auto, then car insurance is a necessity. Whether your car is for personal use or for commercial purposes, it’s absolutely crucial for you to have your vehicle protected.  

 There are carriers that offer car insurance along with other types of policies, but some companies are dedicated specifically to auto insurance. Clearcover is one such car insurance company 

 Your decisions help determine the protection your car receives in the event of an accident. Let us help you by providing insights on the insurance carrier through this Clearcover Insurance Review.

In This Blog

Insured_CTA_mobile_v2-min

About Clearcover

Clearcover first started in 2016, during the peak of digitalization. Their intention is to provide first-rate auto insurance policies through a tech-driven medium. As “smarter” car insurance, Clearcover has consistently captured a significant portion of the auto insurance market.

With its machine-learning model for quickly processing claims and its mobile application, Clearcover focuses on its goal of providing highly competent car insurance. Functioning in 20 states with two more on the way, Clearcover is on its way to becoming a top car insurance company.

Clearcover-Insurance-Review-Infographic-Template

So far in its six-year history, Clearcover has yet to accumulate any significant complaints according to the National Association of Insurance Commissioners (NAIC), which provides a rating by assessing all customer complaints registered against an insurance company. So we can say that Clearcover  apparently makes an effort to take care of its customers – car owners, drivers, and ride-sharing drivers.

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Contact a local agent online to help you with your insurance needs.

A Brief Outlook on Clearcover Insurance Review

Just like any other review, we shall start assessing and starting the Clearcover Insurance Review by providing some of the significant points gathered from Clearcover’s website and other reviews. Have a look at them below.

Pros Cons
  • Provides the fastest claims in the auto insurance sector.
  • Provision to switch insurance even if you are currently involved with another insurance company.
  • No obligation quotes.
  • No complaints from the NAIC.
  • Flexible billing process.
  • Transparent pricing of insurance policies.
  • Cheaper rates than competitors for drivers.
  • Ideal for customers looking for digital insurance service.
  • Significant discount schemes for customers with military background.
  • Offers only auto insurance.
  • Not yet available in every state.
  • No in-person experience while contacting agents for policies and claims.
  • No gap insurance.
  • Accident benefits not provided.
  • Does not offer usage-based insurance for drivers.

Clearcover Insurance Reviews & Ratings

Curious about the reviews of Clearcover? Here’s a brief idea on what third party Clearcover insurance reviews and rating companies, as well as official rating sites have ranked them so far:

Should Clearcover be the one to cover your car insurance needs?  

Since Clearcover is new to the car insurance market, big ratings companies like AM Best Rankings haven’t provided their insight and data yet. But several Clearcover insurance reviews have heaped praise on the company’s policies and the quality of their claims responses. Take a look at the ratings below.

Where does State Farm stand in comparison to other carriers in an overall manner?
A+ Better Business Bureau (B.B.B.)

GEICO Insurance 

⭐⭐⭐⭐⭐ 

Amica Insurance  

⭐⭐⭐⭐⭐ 

Progressive Insurance 

⭐⭐⭐⭐ 

State Farm Insurance 

⭐⭐⭐⭐

State Auto Insurance 

⭐⭐

A rating of A+ has been given by the Better Business Bureau for Clearcover’s car insurance policies.

A Demotech

Demotech, an alternative to AM Best Rankings, has provided the third-best rating of “A” for Clearcover’s financial stability. This indicates that Clearcover has an exceptional ability to pay out claims, even in challenging times.

Ratings from State Farm Insurance Reviews

for State Farm’s overall quality as an insurance carrier

WalletHub ⭐⭐⭐⭐⭐
Clearsurance ⭐⭐⭐⭐ 
Value Penguin ⭐⭐⭐⭐
Trustpilot ⭐⭐⭐⭐
The Zebra  ⭐⭐⭐⭐

Connect With The Best Insurance Agents Near You

Contact a local agent online to help you with your insurance needs.

Major Products of Clearcover

Many insurance reviews have found Clearcover’s car insurance policies 30% cheaper than those of competing car insurance companies.

Here are some of the available car insurance policies from Clearcover: 

Liability Coverage Bodily Injury
Property Damage
Vehicle Coverage Comprehensive Coverage
Collision Coverage
Medical Coverage Uninsured/Underinsured Bodily Injury
Medical/Personal Injury
Specialty Coverage Alternate Transportation
Road Side Assistance

If you are looking for a homeowner’s policy Clearcover has partnered with Hippo on that front. Check out Hippo’s insurance plans if you want one from Clearcover.

Connect With The Best Insurance Agents Near You

Contact a local agent online to help you with your insurance needs.

Clearcover Insurance Review – The Insights

Clearcover might be new to the market, but they are very well reviewed so far!  

Here are the reasons why we think you can opt for Clearcover for your next car insurance policy. At the same time, look out for potential features that do not align with your insurance purchase goals. It all comes down to whether Clearcover’s coverage fits your needs or not.

Complete Digital Experience

With Clearcover’s mobile car insurance app, you can have an entirely digital insurance experience at your fingertips. If you have a hectic schedule or simply prefer to handle financial matters online, then Clearcover is a good choice.

Fastest Auto Insurance Claims

Many Clearcover insurance reviews emphasize their fast claims payments. With a record time of seven minutes, Clearcover has set a high bar for other insurance carriers to clear.

Clearcover has developed their own machinelearning model called ClearAI, with which they are providing super-fast car insurance claims to their users. Hop on to their website to find out more!

Exclusive and Better Focused Car Insurance 

There are plenty of car insurance policies available from several other companies like USAA, Progressive Insurance, Amica, and GEICO – all of them make it to the top of the list of the best auto insurance companies in 2022 (Source: Nerdwallet). But Clearcover focuses solely on car insurance – providing highly customized car insurance policies. Their AI suggests the type of policy you may need in just a couple of minutes by assessing your requirements. 

Rideshare Insurance 

If you’re an Uber, Lyft, or any ridesharing platform driver, you may find Clearcover ideal for your car and your driving career. 

Alternate Transportation

Clearcover knows how to take care of their customers. While checking out your ideal insurance plan through their website, you can also opt to get alternate transportation features included in your coverage. Clearcover provides money for alternate transportation if your car is in a repair shop. The good thing is, you’re not just limited to using that money to rent a car. You can also use it for public transportation.

Limited Discount Offers

Although Clearcover positions itself as a smart car insurance company and highlights its fast claims experience, the discounts available are pretty standard.

Program Name Features
Military Discounts
    • Members of the military have two options to choose from;  
      • 15% for service members 
      • 25% for active-duty armed service members in Louisiana
    Other Discounts
    • Safe Driving Discounts 
    • Discount for paying in total upfront 
    • Paperless Discount 
    • Discount available if the car has safety features

    If you’re looking for significant discounts on your insurance policies, you might want to reconsider choosing Clearcover. But read through a few more insurance reviews before you finalize your decision.

    No Bundling Options

    One more point you should keep in mind is Clearcover’s insurance bundling option – there isn’t one. As should be clear from Clearcover’s website and Clearcover insurance reviews, the company provides basic car insurance coverage options and does not provide an alternative to bundle these policies Unlike other insurance companies, they do not offer other insurance bundles such as  bundled home and auto insurance  since they are solely focused on auto insurance.

    Sample Customer Reviews

    Review Rating Given
    I found Clearcover to be honest and very fair with their pricing. For example, I was previously with State Farm with liabilityonly insurance. My quote from Clearcover insurance gave me equal liability but for just a few dollars more ($3 actually) they provided me with full coverage. ⭐⭐⭐⭐⭐
    I was able to easily take care of everything online within 10 minutes and by switching from Farmers Insurance, I was able to save over a hundred dollars and got better coverage. Highly recommended. ⭐⭐⭐⭐⭐
    So far so good! They gave me the best quote out of several and I’ve had no problems at all. Now I have not had any dealings with their customer service or any issues that required contact with them, so I can’t speak about that. The app works well and there are no issues there either. I will update my review in a few months! ⭐⭐⭐⭐⭐
    Signing up for a new policy was easy and nice. However, I would have liked to have been notified immediately when my credit card failed and given a chance to pay with another card… but instead, I had to sign up over again and it cost me $50 more… which made me a little upset.
    Horrible customer service. Possibly the worst I have ever dealt with. I had my payment not go through on the day it was due, due to a card mix up. I immediately added a different card to the file and the payment went through on the exact same day. I even received a confirmation email saying that the payment had been received. About a week later I received a letter saying they have now canceled my policy due to non-payment. I have been trying to get a hold of them for almost a month to try and sort it out and have not heard a single word from them.

    Source: Trustpilot, Clearcover

    Conclusion

    Our Rating: ⭐⭐⭐

    Clearcover is well on its way to staking a claim to being the most innovative and quickest car insurance company in the U.S. Along with providing all the necessary policies that a car owner or driver could ask for, Clearcover also makes it easy to manage, file claims, and make payments solely with their mobile application.

    Clearcover is pretty new to the market. It’s understandable if you have stability, security, and credibility concerns about them. But if you’re willing to take the risk, and you want to have a user-friendly digital experience for your car insurance, you should consider Clearcover! 

    If you have found this insurance review has piqued your interest, you should definitely check out Clearcover’s website and contact their local agents today!

    Connect With The Best Insurance Agents Near You

    Contact a local agent online to help you with your insurance needs.

    Frequently Asked Questions

    Does Clearcover sell homeowners policies?

    On its own, Clearcover focuses solely on auto insurance. But it does offer homeowners policies in partnership with Hippo Insurance.

    Can I get gap insurance from Clearcover?

    As far as we are aware, Clearcover does not sell gap insurance. You can only purchase car insurance policies from them.

    Which states does Clearcover operate in?

    Clearcover currently operates in 20 states. They are: Alabama, Arizona, California, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Nebraska, Ohio, Oklahoma, Pennsylvania, Texas, Utah, Virginia, West Virginia, and Wisconsin. Two more states (Nevada and North Carolina) are on the way.

    How do I apply for Clearcover insurance?

    You can visit their website and select the “Check Your Price” option on the top right corner of the page. You can also go to the “Switch” tab where you can check what kind of policy you require through the 60 Second Quote Wizard.

    Does Clearcover provide Roadside Assistance?

    Yes. You can get it through the Clearcover mobile application, or call them using the number provided on their website.

    Agency Height is a platform for insureds and insurance agents to connect with each other. Our insurance blog is developed solely for informational purposes. The content provided in Agency Height’s insurance reviews focuses on educating insurance seekers to help them make informed choices when it comes to purchasing insurance.

    Connect With The Best Insurance Agents Near You

    Contact a local agent online to help you with your insurance needs.

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