Are you looking for auto insurance where you can acquire a price, a policy, and file a claim entirely online? Then clearcover in light appears. The 2016-founded technology-based insurance startup Clearcover offers auto insurance in 19 states.
Here is our article on clearcover insurance reviews where we go into great detail about clearcover, including how it functions, its pros and cons, discounts, available coverage options, and some excellent alternatives.
What is clearcover insurance?
Drivers who are looking to get reasonable coverage can try clearcover insurance company. This company uses AI technology to provide quotes. It automates the insurance process using data-driven algorithms and cutting-edge technology, giving customers a hassle-free experience.
By cutting out pointless costs and putting more of an emphasis on what matters—protecting your car—Clearcover promises to make insurance simpler. Clearcover aims to increase accessibility and transparency in the world of auto insurance by offering flexible coverage alternatives at affordable prices.
The mission of Clearcover Insurance is to transform the insurance sector by fusing cutting-edge technology with individualized service to provide drivers with dependable and affordable options.
How does Clearcover car insurance work?
Digital vehicle insurance provider Clearcover provides simple and reasonably priced auto insurance coverage. The general operating principles of Clearcover auto insurance are as follows:
Online Quote: To get started, go to the Clearcover website or download their mobile app and submit a quote request. Basic details about you, your car, and your driving history will be requested of you.
Customized Coverage: Based on your demands, Clearcover offers customized coverage solutions. They offer liability insurance to safeguard you in the event that you cause an accident and harm or damage someone else’s property. For additional protection against damage tur own vehicle, you can buy extra coverages like comprehensive and collision insurance.
Policy Purchase: You can buy the policy online after customizing your coverage and reviewing the quote. You can choose the start date of your coverage with Clearcover, which is useful if you require immediate coverage or wish to switch from another insurer.
Digital Policy Management: For managing policies, Clearcover offers a user-friendly mobile app and web platform. Digitally, you have access to your policy documentation and can update your coverage and make payments.
This indicates that the majority of insurance-related duties can be completed without the use of formal documentation or phone conversations.
Claims Process: You can submit a claim with Clearcover in the event of an accident or vehicle damage. They have a committed claims team that efficiently manages the procedure. You can submit claims online or via the mobile app.
Their mobile app scans your car and analyzes the damage and provides you claim as soon as possible. Right now clearcover claim processing time is 7 minutes.
Customer Support: Customer service is available from Clearcover over the phone and through their internet channels. To get help with any queries or worries you may have, get in touch with their support staff.
With the help of technology, Clearcover promises to offer insurance that is affordable by streamlining operations and lowering administrative expenses. By concentrating on digital platforms, they want to provide reliable coverage at affordable prices.
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Where Clearcover stands out?
When compared to conventional auto insurance providers, Clearcover stands out in several ways. In the following instances, Clearcover stands out:
Competitive Pricing: Clearcover is renowned for offering affordable rates. Clearcover lowers operational expenses compared to typical insurance businesses by working mostly online and utilizing technology. This enables them to provide customers with inexpensive premiums.
Digital Experience: The entire insurance process is digitally frictionless thanks to Clearcover. Everything may be done online or via their mobile app, from getting an estimate to buying a policy and managing claims. Due to this convenience, no lengthy paperwork or phone calls are required, saving time.
Simplified Coverage: Clearcover provides simplified solutions for insurance. They concentrate on crucial insurance protections like liability, collision, and comprehensive, which are frequently the most crucial for motorists. Clearcover enables you to choose the protection that best fits your needs without adding extra features that could raise your premiums by providing flexible coverage alternatives.
User-Friendly Interface: The mobile app and internet interface for Clearcover are both simple to use and intuitive. It is simple to access policy information, make payments, and modify your coverage thanks to the user-friendly design. This focus on making things simple for users improves client satisfaction.
Efficient Claims Process: The claims process is optimized as much as feasible by Clearcover. Customers can submit claims online or via the mobile app, and a specialized claims team helps them at every step of the way. Clearcover strives to offer a more seamless and quick claims experience by utilizing technology and streamlining the claims management process.
Customer Support: Customer service is available from Clearcover via a variety of methods, including phone and online chat. Customers can get help from their support staff with inquiries, questions about policies, and help with claims. Customer service that is attentive and helpful is a priority for Clearcover.
It’s vital to keep in mind that while Clearcover has many benefits, different people may have different insurance needs. To make sure Clearcover fits your unique needs and preferences, it’s always a good idea to study policy specifics, coverage alternatives, and customer reviews.
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How to get clearcover car insurance quote
You can take the following actions to obtain a quote for Clearcover auto insurance:
Visit Clearcover’s Website: On your PC or mobile device, open a web browser and navigate to the official Clearcover website.
Quote Request: On the home page look for the “Get a Quote” button. To start the quote process, click it.
Enter Personal Information: You will be required to submit certain private data, like your name, address, date of birth, and contact information. Complete all needed fields truthfully.
Vehicle Information: Enter information about the car you wish to insure, such as the make, model, year, and, if available, the vehicle identification number (VIN). The use of the vehicle, such as whether it is used for personal or professional purposes, may also be brought up by Clearcover.
Driver Information: Give details on the drivers who will be protected by the coverage. Names, birthdates, and information about their driving histories, such as violations, accidents, and license status, are all included.
Coverage Selection: Select the coverage choices you want to offer in your quote. Liability coverage is normally the base policy offered by Clearcover, while supplementary coverages like comprehensive and collision coverage are available for an extra layer of security.
Quote Review: Review the information on the quote summary page once you’ve input all the required information and chosen the coverage choices you want. Verify that everything is correct and matches your needs.
Retrieve the Quote: To receive the quote at this time, you might need to register for a new account or provide your email address. Based on the data you supplied, Clearcover will produce a customized quote.
Review and Purchase: When you receive the quote, spend some time reading it carefully. Verify the policy specifics, costs, deductibles, and any other information offered. You can move through with buying the policy online if you’re happy with the quote.
The website of Clearcover often offers online chat support or a customer service helpline that you may call for assistance if you have any queries or run into any problems when getting a quote.
Clearcover auto insurance coverage
For drivers who need important protection, Clearcover offers auto insurance coverage. The primary coverage choices are as follows:
Liability Coverage: The majority of auto insurance policies are built on liability coverage. In the event that you have an accident, damage someone else’s property, or injure someone, it helps to financially safeguard you.
You can typically select the levels that best suit your needs with Clearcover’s liability coverage, which complies with all applicable state regulations.
Collision Coverage: Regardless of who is at fault, collision coverage is a necessary but optional policy that aids in covering damage to your own vehicle.
When this happens, Clearcover offers collision coverage to assist defray the expense of repairing or replacing your car.
Comprehensive Coverage: Additionally optional, comprehensive coverage guards against harm to your car that is not the result of an accident. Damage from incidents including theft, vandalism, fire, natural catastrophes, fallen objects, and more are included in this. To assist you in recovering the expenses of repairing or replacing your car in these circumstances, Clearcover provides comprehensive coverage.
Optional Coverages: For added safety, Clearcover provides additional optional coverages that you can add to your insurance. Uninsured/underinsured motorist coverage, which aids in covering costs in the event that you are involved in an accident with a driver who carries insufficient insurance coverage, may be one of these choices.
Additionally, they provide rental car reimbursement coverage, which aids in defraying the expense of a rental automobile while your car is being repaired following a covered accident.
It’s crucial to remember that based on your region and unique circumstances, the availability and specific coverage options may change. With Clearcover, you can tailor your coverage to meet your needs and choose the level of protection that is most appropriate for you.
Clearcover will provide thorough information on the particular coverages offered in your area and the accompanying prices when you request a quote or buy insurance from them. If you have any queries about the coverage options offered by Clearcover, review the policy paperwork and speak with their customer care.
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Competitive Pricing and Discounts
For its auto insurance coverage, Clearcover is renowned for its affordable cost. They seek to lower overhead costs generally associated with traditional insurance businesses by utilizing technology and conducting business mostly online. This enables them to provide customers with inexpensive premiums.
In addition to offering reasonable prices, Clearcover gives policyholders a range of discounts. Here are some typical Clearcover car insurance discounts. while specific discounts may vary depending on your area and your circumstances:
Safe Driver Discount: Drivers with a spotless driving record free of recent collisions or moving offenses may be eligible for savings from Clearcover. You can be eligible for a lower rate if you have a history of defensive driving.
Discount for Military persons and family: All military personnel is eligible for additional savings from Clearcover. Active military members in all states are entitled to get a 15% discount. While Customers from Louisiana who are actively serving in the military, as well as their minor children under the age of 25, get an extra 25% discount.
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Multi-Car Discount: You can be qualified for a multi-car discount if you have multiple vehicles insured with Clearcover. Customers are encouraged to cover more than one car with the same insurer thanks to this discount.
Anti-Theft Device Discount: Clearcover could lower your rate if your car has anti-theft components like alarms or tracking systems installed. By assisting in preventing theft of your vehicle, these gadgets lower the risk to the insurer.
Pay-in-Full Discount: If you decide to pay your annual premium in full upfront rather than opt for monthly payments, Clearcover can give you a discount. Policyholders who pay their premiums in advance are given a discount.
Responsible Payer Discount: Policyholders with a history of timely insurance payments from Clearcover may be eligible for a discount. This discount promotes prudent financial conduct.
It’s crucial to remember that depending on where you live and the laws in your state, different discounts may be available and have different terms. Clearcover will provide comprehensive information about any discounts that are available and that you might be eligible for when you get a quote or buy a policy from them.
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How to file a claim with Clearcover?
In order to submit a claim to Clearcover, you can do the following:
Contact Clearcover: You should get in touch with Clearcover to start the claims procedure as soon as possible following an accident or incident that necessitates filing one. There are many ways to report claims with Clearcover, including online and through their mobile app.
Provide Details: You must give crucial information regarding the occurrence to Clearcover when submitting a claim. This includes details like the accident’s date, time, and place as well as a narrative of what transpired. It also includes any other pertinent data or documentation, including pictures or videos of the damage.
Assist Investigation: Your case can be given to a claims adjuster by Clearcover who will look into the situation more thoroughly. They might get in touch to ask for further details or require proof, like police reports or cost estimates, for repairs. To speed up the claims procedure, cooperate fully with the claims adjuster and promptly supply any information that is needed.
Evaluate Coverage: To establish if the claim is valid, Clearcover will evaluate the specifics of the incident and examine the coverage under your policy. If the loss or damage is covered under the terms of your policy, it will be examined by them to make that determination.
Repair or Compensation: If your claim is accepted, Clearcover will collaborate with you to speed up the repair procedure or set up payment for the covered losses or damages. They might offer advice on vetted repair facilities or suggest top suppliers conduct the repairs.
Alternatively, if the car is determined to be a total loss, Clearcover will determine its value and pay damages in accordance with that.
Deductible and Payment: Depending on your insurance, you might have a deductible that you must pay before Clearcover would pay the balance of the costs. Information on the deductible and any payments that are necessary from your end will be sent by Clearcover.
Follow-Up and Communication: Clearcover will keep you informed of developments and keep in touch with you on the status of your claim throughout the claims procedure. Keep in touch with the Clearcover claims department and be quick to comply with any information or paperwork requirements.
It’s crucial to keep in mind that the claims procedure may change depending on the particulars of your claim and the conditions stated in your insurance. The website and customer service of Clearcover can offer thorough instructions on making a claim and respond to any particular inquiries you may have.
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Where is Clearcover insurance available right now?
Right now as of 24 June 2023, Clearcover is available in the 19 states. Here, is a list of all states where Clearcover insurance is available.
How to get connected with Clearcover customer service
One of the following techniques can be used to contact Clear Cover’s customer service:
Online Chat: On their website, Clearcover provides a live chat option. To start a chat session with a customer care agent, look for a chat button in the right-side bottom corner of their website and click on it.
You can do this by using the chat interface to immediately address any issues, ask for help, or ask questions. You can also send your message to clearcover using their contact form.
Phone: You can contact Clearcover’s customer service hotline at 855-444-1875 for support. To contact their customer care department, find the phone number posted on their website and dial it.
This enables you to contact a professional who can offer individualized support and handle your questions or concerns over the phone.
Email: Email is an alternative that Clearcover provides for customer service and assistance. On their website or contact page, you can seek an email address for customer support.
Send an email to support@clearcover.com or  help@clearcover.com to the given email address with a detailed list of your queries or worries. The customer service team at Clearcover will reply to your email and offer support as necessary.
It is helpful to have pertinent information on hand when getting in touch with Clearcover’s customer service, such as your policy number or any supporting documentation. This will make providing customer assistance easier and more effective.
It’s important to keep in mind that customer service availability and exact contact options are subject to change. For the most recent and accurate information on how to contact Clearcover’s customer care, it is advised to visit their website and navigate to their contact or support page.
Pros and Cons of Clearcover Insurance
Pros
- Competitive Pricing: For its vehicle insurance coverage, Clearcover is renowned for providing affordable prices. They want to cut expenses and pass the savings on to customers, thus they operate mostly online and make use of technology to do it.
- Digital Experience: A convenient and welcoming digital experience is offered by Clearcover. Everything can be done online or using their mobile app, from getting a quote to managing policies and filing claims, negating the need for copious amounts of paperwork or phone calls.
- Customizable Coverage: Policyholders can tailor their coverage with Clearcover to suit their needs. With no needless add-ons, you may choose the level of security that best fits your needs and budget thanks to this flexibility.
- Efficient Claims Process: The claims process is made as swift and effective as possible by Clearcover. They provide dedicated claims handling, online claim submission, and process support. Their objective is to make the claims process simple and hassle-free.
- Customer Support: Customer service responsiveness is a priority for Clearcover. They allow policyholders to contact them for assistance or to ask inquiries about their policy or claims through online chat and phone support.
Cons
- Limited Coverage Options: Essential coverages like liability, collision, and comprehensive are what Clearcover focuses on. While many drivers would find this adequate, Clearcover’s offerings may be more constrained than those of some conventional insurers if you have specific coverage requirements or demand additional optional coverages.
- Availability in Limited States: There are now only a few US states where Clearcover’s coverage is offered. You can’t get insurance with them if you live outside of their service area.
- Lack of Physical Locations: Since Clearcover runs entirely online, there are no physical branch offices where customers may come in for assistance or counseling. This can be a downside if you value in-person interactions or having a local agent.
- Limited Track Record: Since Clearcover is a relatively new entrant to the insurance market, it might not have as long of a track record or as well-known a brand as more seasoned insurance providers. Some people might choose to go with a more reputable insurer with a longer track record.
It’s crucial to keep in mind that the suitability of Clearcover Insurance will vary based on the location, demands, and preferences of the individual. To decide if Clearcover is the best option for you, it is advised to thoroughly check their policy information, coverage options, and terms, and compare them with those of other insurers.
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Clearcover Insurance Reviews and Ratings from customers
There are many third-party websites like Trustpilot and BBB where you can find honest and genuine clearcover insurance reviews. Let’s have a look at each one-
Clearcover insurance reviews on Better Business Bureau (BBB): BBB has over 100 clearcover car insurance reviews with 3.6 stars and an A+ rating. However, Clearcover is the BBB accredited since 11/9/2017. Also, BBB has got around 44 complaints regarding clearcover insurance in the last 12 months.
Clearcover insurance reviews on Trustpilot: On Trustpilot, There are only 320 clearcover car insurance reviews with 3.7 stars and an average rating.
Clearcover insurance reviews on the App Store: On the app store, There are over 10K clearcover auto insurance reviews with 4.7 stars and has excellent rating.
Clearcover insurance reviews on the Play Store: On the play store, There are over 4K clearcover car insurance reviews with 4.6 stars and excellent ratings. There are over 100K+ downloads on the play store.
It’s crucial to take into account the overall patterns and the ratio of positive to negative feedback when looking into customer reviews and ratings. Recognize that every person’s experience will be different, and read a few reviews to get a fuller picture of Clearcover’s advantages and disadvantages.
It’s a good idea to study the policy specifics, coverage choices, and conditions on Clearcover’s website as well. If you have any particular worries or inquiries, you can get in touch with Clearcover’s customer care for clarification.
Some Clearcover alternative options for car insurance
There are various firms you can take into consideration if you’re seeking auto insurance alternatives to Clearcover. Here are some substitutes:
Bristol West: Auto insurance is the area of expertise for Bristol West, a company that belongs to the Farmers Insurance Group. They concentrate on providing individualized service and provide a variety of policies, including both conventional and non-standard choices.
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SafeAuto: Car insurance with only minimum liability coverage is SafeAuto’s area of expertise. They concentrate on reasonably priced choices for motorists seeking minimal protection to satisfy legal standards.
Infinity Auto Insurance: Drivers have access to both standard and non-standard coverage options with Infinity Auto Insurance. They serve a variety of clients, including high-risk motorists.
Freeway Insurance: As an alternative to Clearcover, Motorway Insurance provides a variety of insurance plans, including auto insurance. They work with many insurance companies and offer personalized coverage based on customer requirements.
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Don’t forget to check prices, coverage options, and client testimonials to discover the plan that best suits your needs and budget. Checking with local and regional insurance companies is also a good idea because they might have special deals available to you.
Final Verdict: Is Clearcover Insurance Right for You?
If you want auto insurance that is reasonably priced and offers a seamless digital experience, Clearcover Insurance can be a good option.
They work to streamline the claims process and provide necessary coverage options. However, Clearcover’s limited coverage options and absence of physical locations may not be ideal if you have specific coverage requirements or want in-person support.
Make an informed choice by taking into account your unique requirements, contrasting Clearcover with other insurers, and reading customer testimonials.
Is clearcover a good insurance company?
Customers’ impressions of Clearcover Insurance have been divided, with responses ranging depending on personal experiences. While some customers value Clearcover’s affordable rates, easy-to-use digital platform, and quick claims process, others have voiced reservations about the company’s constrained coverage options and customer service. To make an informed choice, it’s crucial to carefully evaluate your unique demands, contrast Clearcover with other insurance providers, and read user reviews. Additionally, whether Clearcover is a good fit for you depends on criteria including location, driving history, and coverage needs.
Is clearcover insurance legit?
Yes, Clearcover Insurance is an authorized insurer. In the states where they do business, they are authorized and subject to regulation to offer auto insurance protection. To make sure they fit your unique demands and expectations, it is always advisable to study their policies, conditions, and customer evaluations.
Is clearcover insurance good?
Customers have both favorable and unfavorable things to say about Clearcover Insurance. While some consumers value their cheap pricing and digital experience, others are dissatisfied with the company’s customer service and coverage alternatives. Before deciding if Clearcover is a good fit for you, it’s crucial to take into account your unique requirements and preferences.