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How Do I Get an Auto Insurance Quote from Root Insurance?

If you want to know how to get an auto insurance quote from Root Insurance, this article can help. It has information about auto insurance quotes from Root insurance and more.

How To Get A Quote From Root

To get an auto insurance quote from most insurance companies, you usually have to answer multiple questions about yourself and your driving history. However, Root auto insurance is not like other insurance agencies; it uses your actual driving behavior to determine how much your premiums will be. To get a quote from Root, you will need to undergo a two-week to one-month driving test in which your driving behaviors are monitored, besides answering some questions about yourself.

What Quotes Represent

All quotes represent a six-month period of monthly payments for a car insurance policy that corresponds to a driver that fits the following profile: A single, 29-year-old female who lives in Houston, Texas, owns a 2011 Honda Accord, is looking for a no collision, state minimum comprehensive coverage policy, has good credit is currently insured and is a safe driver.

How to Make Your Root Auto Insurance Payments

Root makes its mission clear to simplify the payment process for auto insurance coverage and it holds true to this. Customers can make their payments right from the Root mobile app. All major credit and debit cards are accepted along with Apple Pay. Thus, Root provides flexible payment plans that include monthly payments or the option pay every six months. You can also change your payment date within five days before or after the current payment date, but this must be done on a monthly basis.

How It Works

To start the quote process with Root insurance, you can visit Root's website and opt-in for a quote, but you will still have to download and install the "Root" app on your smartphone. Once the app is installed, you must allow it to access GPS.

The app will monitor the way you drive, for the trial period. This smart machine learning app can also tell whether you are in the driver's seat or on the passenger side so other driver's behaviors won't be measured as yours. The app uses artificial intelligence and telematics to track your driving habits and more. This includes:

  • Your driving speed
  • When you drive
  • How smoothly you drive
  • Braking force
  • Turn speed and sharpness

After the test driving deadline has been reached, Root will use the information it gathered about your driving behavior to decide whether to offer you auto insurance coverage. Thus, if Root offers you a policy, you'll also find out how much your proposed rates will be.

How Are Rates Determined?

Rates are mainly determined by how well or badly you drive during your test period. If you drive exceptionally well, your rates will be extremely low. In fact, the company states they save good drivers up to 52% on their auto insurance coverage. However, if you didn't drive so well during the test period, you may be labeled as a reckless driver and not be offered a policy. But, even some drivers who are considered high-risk can get a policy with Root only with higher rates.

Click here to learn more about Root auto insurance.

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