Clearcover car insurance offers affordable, quick, and simple coverage using machine learning and big data to automate claims processes and improve client targeting. By combining a data-driven platform with a low-key customer acquisition strategy, Clearcover demonstrates cost savings without compromising quality of care and security.
Additionally, policyholders can handle any claim. When you use companies like SelectQuote, navigating your options for car insurance coverage with reputable providers like Clearcover is simple. Furthermore, you can get a free quote from a reputable provider right now. Customers who prefer a user-friendly digital interface and seek a six-month auto insurance policy may choose Clearcover as their provider.
What Is Clearcover Car Insurance
Clearcover is a digital insurance platform that offers drivers a cost-effective solution for their car insurance premiums. The insurance website offers annual savings of up to $1,200, but individual results may vary and savings are not guaranteed. Additionally, only six-month car insurance contracts are written by Clearcover, which can be ideal for certain drivers.
Clearcover, a relatively new player in the insurance market, wants to simplify auto insurance and help consumers save money by utilizing AI technology. The policy offers optional coverage, including alternate transportation coverage, which covers the cost of hiring a car, using public transit, or using a ridesharing app during car repair. There is also coverage for ridesharing. Furthermore, Clearcover is a promising insurance provider, offering innovative coverage options in 20 states.
Types of Clearcover Car Insurance
Clearcover offers typical car insurance coverages including liability, collision, comprehensive, uninsured/underinsured motorist, and medical costs. Clearcover provides standard auto insurance coverage to drivers, offering all the same coverage options as other providers.
Liability insurance
When you cause an accident, liability auto insurance covers the costs of treating injured parties as well as property damage. If you are sued for an automobile accident, it also pays for your legal costs.
Comprehensive auto insurance
Should your car be harmed by an issue like fire, vandalism, water, falling items, hail, or animal collisions, comprehensive insurance will cover the cost of repairs or replacement. If your automobile is stolen, it also pays out.
Collisions auto insurance
Collision insurance covers the cost of replacing or repairing your car after an accident, regardless of who is at fault. In addition, collision coverage for your vehicle covers damage incurred when it collides with an object (such as a tree or fence).
Collision and comprehensive insurance are frequently offered together and are optional. You will probably be required to purchase these by your lender or leasing company if you have a car loan or lease.
Underinsured and Uninsured driver auto insurance
If you or your passengers are hurt in a collision caused by a driver without liability insurance, your uninsured motorist policy will cover your medical expenses. Underinsured motorist coverage covers medical expenses and passenger bills in case of a driver’s insufficient liability insurance.
Personal injury protection (PIP)
PIP coverage covers medical expenses and related costs in an accident, regardless of who is at fault. It also compensates for essential services like child care, missed income, and burial costs. The majority of states require personal injury protection insurance, while some allow it as an optional option or do not offer it at all.
Medical payments insurance (MedPay)
MedPay insurance covers medical costs for injuries sustained by you and your passengers, regardless of the cause of the accident. Certain states mandate it, while others allow it as an option. Moreover, MedPay is offered for sale in modest denominations of $1,000 to $5,000.
Clearcover does not provide accident forgiveness, and its add-on coverage alternatives are limited when compared to larger insurers. However, the additional coverage it provides is beneficial and you can sign up for roadside assistance, ridesharing, and alternate transportation.
How Much Does Clearcover Car Insurance Cost
Clearcover offers basic coverage at $520 and full coverage at $1,830 annually, which is 4% lower than the national average. Your actual Clearcover premium may vary, particularly when utilizing available discounts, which will be discussed in greater detail later.
Clearcover Car Insurance Discounts
Clearcover does not provide a variety of auto insurance discounts, in contrast to many other auto insurance providers. Instead, it claims to incorporate discounts into its standard pricing. Clearcover claims to automatically account for various aspects but does not offer savings for safe driving, full payment, online invoicing, or vehicle safety features.
However, active-duty military people can receive a 15% discount from Clearcover. Furthermore, active duty drivers in Louisiana and their dependents under the age of 25 are eligible for an extra 25% discount.
How You Can Save On Your Policy with Clearcover
Your qualified vehicle insurance discounts are automatically factored into your Clearcover quotation. The military member discount, which is set at twenty-five percent, is the only specified discount value. To determine the precise impact of the discounts on your possible premium, you will need a quote.
For instance, some discounts are state-specific; clients in Louisiana who use the military discount are eligible for an additional 25% off, as well as a discount for their children. The following will result in a premium discount for you:
- Driving safely.
- Obtaining documents in an electronic format.
- Making an upfront payment.
- Possessing safety features on a car.
- Having excellent grades as a student.
- Serving in the armed forces.
The majority of Clearcover’s digital efforts have been directed at its app, which has received positive user reviews. Through the app, you may access your ID card and policy, pay your premium, make and track claims, and more. If you have any issues or would like to amend your policy, you can also speak with customer support directly through the app.