In the world of auto insurance, Root Insurance has been a disruptor since its inception. Promising to “un-break” the insurance industry, Root uses smartphone technology to base rates primarily on how you drive, rather than just who you are. But with over 8,100 monthly searches for Root Insurance Reviews, it’s clear that consumers are looking for the truth behind the marketing. Is the “Test Drive” really worth it, or are you better off with a traditional carrier?
As an independent agency appointed with Root, Ingram Insurance Group provides a unique perspective. We see the data, we handle the claims, and we know exactly where Root shines—and where it falls short. We’ll explore everything from the telematics “brain” to why having an independent agent manages your Root policy is the smartest way to shop.
The Science of the “Test Drive”: How Root’s Algorithm Works
Most insurance companies use a “proxy” for risk. They assume that if you have a high credit score and a college degree, you are likely a safe driver. Root finds this outdated. Instead, they use the sensors already built into your iPhone or Android device—accelerometers, gyroscopes, and GPS—to measure your driving behavior in real-time.
What the App Actually Tracks
- Braking: Hard braking is one of the biggest indicators of a potential future accident. Root looks for smooth stops versus “panic” braking.
- Turning: Do you take corners at high speeds? The G-force measured by your phone tells Root if you’re a “sporty” driver or a cautious one.
- Safe Hours: Driving at 3:00 AM on a Saturday is statistically more dangerous than 3:00 PM on a Tuesday. Root tracks when you are on the road.
- Focused Driving: This is a big one. The app can detect if your phone is being handled while the vehicle is in motion. Frequent “screen taps” while driving will negatively impact your score.
What Coverage Does Root Offer?
One common misconception is that Root is a “discount” or “minimum limits” insurer. In reality, Root offers a full suite of standard and premium coverages. Through Ingram Insurance Group, we can help you customize these to fit your specific needs:
- Liability Coverage: Covers bodily injury and property damage to others if you’re at fault.
- Collision & Comprehensive: Protects your vehicle from accidents, theft, fire, and weather damage.
- Uninsured/Underinsured Motorist: Essential protection if you’re hit by someone who doesn’t have enough insurance (or any at all).
- Medical Payments/PIP: Covers medical expenses for you and your passengers regardless of fault.
- Rental Car Reimbursement: Root offers a unique “Tesla Rental” option in some markets and standard rental coverage elsewhere.
Why Work With Ingram Insurance Group Instead of the App Alone?
You might wonder: “If Root is an app-based company, why do I need an agent?” This is where many direct customers run into trouble. Insurance is simple until it isn’t.
The “Human” Safety Net
Root’s business model is built on automation. This works great for simple tasks, but if you have a complex claim involving multiple parties, talking to a chatbot is frustrating. As your independent agent, we provide a direct line of communication. We know the underwriters, we know the claims adjusters, and we advocate for you, not the insurance company.
Rate Stability Monitoring
One of the top complaints in Root Insurance reviews is the “renewal jump.” Because we are independent, if Root raises your rates after six months, we don’t just say “sorry.” We re-shop your policy across our other 15+ carriers to see if we can beat that new price. We keep the insurance companies competing for your business; we keep the relationship with you.
Root Insurance: 20 Frequently Asked Questions
Navigating a tech-heavy company like Root can be confusing. We’ve compiled the 20 most common questions we hear at Ingram Insurance Group to help you decide if Root is the right fit for your household.
1. How does the Root “Test Drive” actually work?
The Test Drive is a 2–4 week period where the Root app monitors your driving behavior. It looks at braking, turn speed, and phone usage. At the end, you either receive a finalized quote or a notification that Root cannot offer you coverage.
2. Can I get a Root quote without doing the Test Drive?
Yes! This is a major benefit of working with Ingram Insurance Group. As independent agents, we can often provide “Instant Quotes” through our agent portal that allow you to bypass the multi-week waiting period in many states.
3. Why did my Root insurance rate go up at renewal?
Like all carriers, Root adjusts rates based on inflation, rising repair costs, and regional accident trends. If your rate jumps, contact us—we can compare your new Root rate against our other carriers to ensure you’re still getting the best deal.
4. Does Root offer SR-22 filings?
Yes. Root is very friendly toward drivers who need an SR-22. You can request it directly in the app, or we can handle the filing for you to ensure your state’s DMV receives the paperwork correctly.
5. Is roadside assistance included with Root?
Yes, roadside assistance is included in every Root policy (up to 3 uses per 6-month term, max $100 per use). It covers jump-starts, flat tires, and towing.
6. How do I file a claim with Root?
You can file a claim in about 3 minutes via the Root app by taking photos of the damage. However, we recommend calling Ingram Insurance Group first so we can advise you on whether the claim will impact your future rates.
7. Does Root offer a “vanishing deductible”?
Root does not typically offer a traditional vanishing deductible, but their base premiums are often low enough that you save more than a deductible credit would provide elsewhere.
8. Can I bundle my Home and Auto with Root?
Root offers Renters and Homeowners insurance in select states. We can help you determine if bundling with Root or split-decking (Auto with Root, Home with another carrier) provides the best total value.
9. Does the app track me when I’m not driving?
The app uses location services to detect when a “trip” has started. Root states they do not sell individual GPS data to third parties and only use it for underwriting and claims.
10. What if I am a passenger in a Lyft or Uber?
Root’s algorithm is smart enough to distinguish between you driving and you being a passenger. If it ever makes a mistake, you can go into the “Trips” section of the app and mark that you were not the driver.
11. Does Root offer Gap Insurance?
Currently, Root does not offer traditional Gap insurance. If you have a high-value loan on a new car, we might recommend a different carrier from our network that provides this specific protection.
12. Can I pay my Root policy in full?
Yes, and you should! Root offers a significant discount if you pay your 6-month premium upfront rather than monthly.
13. Does Root cover Uber/Lyft (Rideshare) drivers?
Root offers rideshare coverage in certain states. If you drive for a living, let us check your specific zip code to ensure you are properly covered during your “on-app” time.
14. What happens if I delete the Root app?
Deleting the app does not cancel your policy, but it may prevent Root from giving you the best renewal rate. Keep the app installed to ensure your “safe driver” status is continuously verified.
15. Is Root available for teenagers?
Yes. In fact, Root can be a great option for teens because it bases the rate on their actual driving habits rather than just their age—which usually results in very high premiums elsewhere.
16. Can I have multiple cars on one Root policy?
Absolutely. You can add multiple vehicles and drivers through the app or by calling our agency. Each driver will typically need to complete their own “Test Drive.”
17. Does Root check my credit score?
In most states, yes. While Root prioritizes driving behavior, they (like almost all insurers) use a “soft pull” of your credit as part of their rating algorithm.
18. How do I cancel my Root policy?
You can cancel via the app, but we recommend doing it through Ingram Insurance Group. We can ensure there are no “gaps” in your coverage by timing the cancellation perfectly with your new policy’s start date.
19. What if I don’t drive very often?
Root is excellent for low-mileage drivers. If your car spends most of its time in the garage, the app will recognize your low “exposure” and often reward you with a lower rate.
20. Why should I use an agent instead of just the Root website?
When you use the website, you are just a number in an algorithm. When you use Ingram Insurance Group, you get a local partner who can help with claims, explain complex coverage, and re-shop your policy if Root’s prices ever go up. You get the technology of Root with the service of a neighbor.
Final Thoughts: Is Root Right for You?
Root Insurance is a powerful tool for safe drivers to reclaim control over their premiums. However, the best way to experience Root is with the professional guidance of an independent agent. At Ingram Insurance Group, we provide the best of both worlds: Root’s cutting-edge technology and our “old-school” commitment to customer service.
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