Root vs Progressive: An In-Depth Review of Root Auto Insurance

I have experienced Root Insurance for at least two years and recently, I came across a link to it on Instagram through an unexpected ad. Here’s what I discovered.

Initial Expectations and Impressions

When I first signed up for Root, I didn't have high expectations. Their claims of savings were just like those of other insurance providers. However, I decided to give it a try since everything else in life is now tracked. I also knew that I had a clean driving record.

The Test Drive and Initial Impressions

Root's test drive involved tracking me for 42 days. I made daily commutes of around 20 miles one way in Phoenix traffic. The quote that emerged was fair, with PLPD costing $49 per month. I opted for an older car during this period.

Switching to Root

I switched to Root and my old insurance company admitted that Root would likely offer me better rates. Root did indeed save me money, and my first-year rates went down.

Vehicle Replacement and Renewal

When I needed to replace my old convertible, the process was seamless. The dealership required me to jump through hoops, but Root's app made it easy to update the VIN and get my new policy active. My rate increased modestly to account for the new car and additional coverages, but the overall experience was straightforward.

Disputing Claims and Enhancing Coverage

My new policy was renewed automatically, and the rates fluctuated. A friend of mine working at a car company offered a discount later on, and after some rebates, I managed to get a new car and $1,000 applied to my loan. This is a testament to the value Root provides for safe drivers.

Highly Responsive Customer Service

The customer service is among the best. Unscripted human representatives are readily available, and their knowledge is impressive. If I had a question, I didn't need to email; I could call and get a detailed response the same day.

Reliability and Aggressive Law Enforcement

Another significant benefit is the reliable insurance status reporting in states with stringent insurance tracking laws. Root never failed to report, which prevented me from facing any issues.

Conclusion

Root stands out as the best insurance provider I have ever experienced. They are honest and responsive, with customer service that is genuinely helpful. Safe drivers are rewarded, and unsafe practices are discouraged, making the system fair. If you are a responsible driver, give Root a try. Their rates are low for those who pass their rigorous test, and they are not out to sell you on their services. However, if my review helps you switch, both you and I can benefit from a premium discount.

Warning for Test Drive Refusal

Root takes their test drive seriously, and if you fail, you cannot try again. They require evidence of safe driving to stay in the program. This approach ensures that only responsible drivers are served, making it a reliable choice.

Final Thoughts: Root is truly a company that values safe driving and rewards it accordingly. They have proven to be a reliable and commendable choice, and I will remain a Root customer.

Root Car Insurance—Jeffrey Irwin MBA