Although I haven’t been blogging as religiously as I initially thought I would, I think I’m at about day 26 of my Root test drive. My story probably isn’t too different from yours. I saw an ad for Root car insurance, saw that the savings could be astronomical, and decided I just might be willing to leave Allstate- a company I’ve literally been with for my entire life as a driver. After I started the Root test drive, I realized Allstate’s Drivewise program also works similarly. You download the app. They track you. You get a 3% discount for using it and can qualify for as much as 15% cash back, whereas Root strictly reduces fees because they don’t insure bad drivers and save costs by only operating online, and they help good drivers save cash up front. Anyway, I’m a single mom. Money is super tight. I’ve had trouble paying my car insurance premiums and even got a cancellation notice a few months back because I ran into an unexpected car problem that had to be taken care of. That cost me my “good payer” discount… not that it was worth much anyway, but every little bit helps. My point being, I’m super broke most of the time, and I really needed to reduce costs wherever I could. I previously asked Allstate about it and they offered no solutions. I even asked about signing up for Drivewise when it was a thing you plug into your car vs. an app and was told I’d have to wait until my policy renewed… but, I’m on auto-renewal, so I just kept paying like usual and it would renew for six months again, and I’d remain locked in. It sucked. I Faced a Glitch on My Final DayThe Root app glitched out on me today. It said: “You’re so close, but something looks off. Contact support.” I sent off an email to support first thing this morning (around 7am). I didn’t get a response back, but around 10:30am I got a notice saying my quote was ready. Root Will Save Me $100/ Month
Root is Saving Me 64%If I’m purely comparing apples to apples, it’s $59 vs $163.44 per month paying month-to-month, meaning I’m saving 64%. Root’s last estimate to me was 20-40% savings. Lol Yeah. Wow. Just wow. My final Root score was an 8/10, by the way. I’m clearly not a perfect driver, but I’m not a bad one either. *pats self on back* Share Your Root Test Drive ExperienceI haven’t signed up for Root car insurance yet. I’m waiting until the funds hit my account to enable me to prepay the full six months, so I’ll probably sign up in the next day or so. I’ll be adding more blogs here, such as a side-by-side comparison of plans and more details about what happened when I signed up. However, what I’d really like is to add some commentary from you, the readers. If you’ve signed up for a Root test drive or have used Allstate Drivewise or similar, click “Share Your Story” at the top, so I can share your experience with other readers too!
5 Comments
Michael
12/28/2018 01:30:40 pm
I've had a very similar experience. I was paying almost $200/month with USAA (they recently jacked up the price from $160 to $195 because "all of Louisiana is going up."). After my test drive with Root, they offered me a plan for $98/month, but I went ahead and made my deducible lower and made a few other minor tweaks to the plan and now I pay $104/month which is phenomenal because we're about to have our first child and saving every dollar counts. I wonder, though, does Root continue to track my driving after the initial test drive? I know you eluded to it in your previous blog, but I seriously wonder if that is going to come into play in 6 months when I need to renew. My main reasoning for this question is because I'll be dashing my wife to the hospital in a few weeks and my driving may be more erratic at that time, so it's a valid concern/question. Buy like you, I'm completely sold on this insurance provider. Louisiana has pretty high premiums and it's nice to be able to get a break from that with this company.
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Jen (site author)
12/29/2018 11:54:04 pm
Thanks for chiming in!
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Julia
2/7/2019 07:28:19 am
I too just got a great rate with Root. I normally pay $250 a month through State Farm (mostly due to my age being 19) and Roots quote was $95 for the same coverage (actually a little more coverage)
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Corey W.
10/12/2020 08:57:17 pm
I just signed up for Root on 10/06/2020, I was paying $230 per month with State Farm, and am paying $126 per month now with Root.
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Jen (Site Author)
10/12/2020 09:10:30 pm
Thanks for sharing, Corey. They may have changed their model since I went through the signup process.
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