Disclosure: Some of the links below are affiliate links, meaning, at no additional cost to you, I will earn a commission if you click through and make and purchase.

Around a year ago I stumbled across an advertisement for a discount auto insurance company. The company is called Root, and they are a mobile-based auto insurance company. All interaction is completed in their app. At the time I discovered Root they were only in two states Ohio (their home base) and Arizona. Being the first app based insurance my husband and I wondered if this was legitimate. We were unsure of what to expect and the type of protection you would receive from a car insurance company that has an exclusive app-based interface. In addition, they were only in two states at the time. I did a bit of research and found out they are backed by six investors. The information provided was enough to convince us that we should try it out and see what happens.

The idea is simple, download the Root app and drive around for 2-4 weeks and receive your custom quote right there in the app. Root tracks your driving through your phone and calculates your quote based on your specific driving. The thesis Root is built on is

If you drive well, you are less likely to get in an accident. Therefore, you should pay less.

At the time we stumbled across Root we needed full coverage for two cars. We were shopping around insurance quotes, and we were getting anywhere from $200 to $300 a month. When our Root quote came through we were amazed. It was around $130 for higher coverage than we would be getting with any of the other companies. For us, it was a no brainer to switch to Root after we received our quote.

One of the main hesitations with any discounted insurance is if they will stand behind you when you need them. You learn a lot about an insurance company at the worst time. That time is when you are in an accident.
A few weeks before Christmas 2018 I was in that unfortunate predicament. I hit a tire on the freeway, and my car wasn’t going anywhere fast. So we began the claims process for the first time with Root.

The whole entire claims process was quick, fast and simple. We followed everything as explained in the app. Root was eager to assist us, and the entire process was completed in a short few weeks. We were amazed at how easy Root was to work with throughout the entire claims process. One of the biggest surprises was when they overnighted us our reimbursement check for our car seats. All of this goes to show the attention to customer service that Root is bring to car insurance.
We cannot tell enough people why we choose Root insurance and will continue to use them for the foreseeable feature. If you would like to try out Root for yourself just follow this link and see what Root can do for you.

xoxo,
Mandy