Clearcover Insurance, an AI-powered and tech-forward company, sells policies at a fraction of regular price. Clearcover Insurance, a Chicago-based company, was established in 2016. It has made waves for its affordability and ease-of-use policy management.
Clearcover is currently available in 16 states. Its policies are underwritten and rated by Fortegra and its subsidiaries Lyndon Southern and Response Indemnity Company of California. Clearcover targets modern customers who want to combine technological convenience with pocket-friendly rates.
Clearcover Car Insurance
Clearcover’s strength is auto insurtech. Clearcover’s main selling point is that it offers smarter, cheaper, and faster car insurance, no matter what your needs. Clearcover relies on technology to do most of its work. This allows Clearcover to be more cost-effective and efficient in providing insurance.
Types of coverage
Clearcover offers car insurance policies that include all of the standard features you’d expect from a standard policy.
- Insurance coverage
- Property damage coverage
- Collision coverage
- Comprehensive coverage
- Medical payments
- Uninsured/underinsured motorist protection
Clearcover also offers a variety of endorsements that can be used to help you, such as:
- Ridesharing coverage
- Assistance on the road
- Alternative transportation coverage
Get Discounts
Clearcover claims it offers the lowest rates right from the beginning and doesn’t offer any discounts for car insurance. Clearcover’s website states that vehicle safety features, the payment of the annual premium in full, and a clean driving record are all included in the policy. They don’t need to be added separately.
Only military personnel are eligible for a discount. Louisiana offers 25% off for active military personnel and their children under 25. All other states offer 15% off
Available
What is Clearcover? Clearcover, a small and relatively new insurance provider, is not yet widely available. Clearcover offers insurance policies in these states currently:
- Arizona
- California
- Georgia
- Illinois
- Indiana
- Louisiana
- Maryland
- Missouri
- Nebraska
- Ohio
- Oklahoma
- Pennsylvania
- Texas
- Utah
- Virginia
- Wisconsin
Clearcover has insurance options that you may be interested in, but does not yet operate in your area. You can provide Clearcover with your contact information to allow it to contact you if it expands. It may take some time, so make sure that you have coverage from another insurance provider before you switch to Clearcover.
Clearcover Home Insurance
Clearcover currently does not offer home insurance. However, it partners with Hippo Insurance in order to provide homeowners insurance quotes from multiple companies. Hippo was established in 2017. Its policies are underwritten and managed by Canopius U.S. Insurance Company, Spinnaker Insurance Company, and Topa Insurance Company.
Hippo is an independent company. If you buy home insurance through this provider, any issues related to policy management and claims will be dealt with by Hippo and not Clearcover.
Clearcover reviews, ratings, customer satisfaction, and complaints
Clearcover, a relatively new company, has not been evaluated by J.D. AM Best or Power. Clearcover’s underwriting partner Fortegra, along with its subsidiaries, have a strong presence in the industry. They also hold an B- (excellent) credit Rating from AM Best.
Clearcover was not subject to as many complaints by the National Association for Insurance Commissioners ( NAIC). Better Business Bureau has awarded the company an A+ rating, and an average 3.86 customer satisfaction score. These ratings only apply to Clearcover’s auto insurance policies. Clearcover’s customer reviews show a high level of satisfaction with its digital accessibility and affordability. However, some customers are dissatisfied at the inability to reach a representative to discuss claims-related issues.
Clearcover: Top Reasons to Consider
Customers today are looking for ways to save money and get their needs met quickly. Clearcover combines the best in artificial intelligence and smart use of resources to help you achieve both. It will reduce your costs while increasing affordability. Clearcover’s smartphone app makes it easy to get a quote and file a claim. Clearcover boasts that claims are paid within 13 minutes.
Clearcover, thanks to its partners is financially sound and capable of paying claims. Clearcover doesn’t handle its own claims processing. Clearcover will not handle your claim if you file a Littleton Group claim.
Clearcover may appeal to those who are digitally-savvy and enjoy quick, automated services.
Questions frequently asked
Clearcover offers what policies?
Clearcover currently sells auto insurance. Clearcover does not sell renters or home insurance. However, it works with Hippo to provide homeowners insurance quotes from multiple companies.
Clearcover Insurance was founded by who?
Clearcover was founded in 2016 by Derek Brigham and Kyle Nakatsuji.
Clearcover has been mentioned in the media recently?
Recently, the company raised funds in excess of 50 million and was named Glassdoor’s Best Place to Work in 2021.
