Understanding your car insurance options during COVID-19
At Root, we are committed to being responsive to the needs of our customers as the coronavirus (COVID-19) situation evolves. We know that car insurance is a significant expense, and we’ve gathered the following resources to help you during this time.
How do I reduce my coverages to lower my bill?
If you need to, you can update your policy to carry state minimum coverage and reduce your price. You can always review your coverages to be sure you’re paying for what you need right now. Adjustments can be made right in the Root app.
Tap Policy & Payments
Make the desired changes to your coverages, limits, and/or deductibles
Select Continue to see your updated price
Why is it important to keep state minimum coverage?
Even though you may be driving less, it’s still important to keep your insurance. Lapses in coverage could raise your price when you buy insurance in the future, even if you switch to another company.
What if I can’t pay my bill?
We understand that many of our customers are experiencing financial hardship at this time. Many state insurance departments are implementing new policies around payment grace periods and extensions. This may mean that different options are available to different customers, depending on the state you live in.
If you still need to cancel your policy, you can make changes in the app. When you’re ready to come back, the app makes it easy. Here’s what you need to know:
If it’s been less than 30 days since you canceled, you’ll be able to reinstate your policy in just a few taps and avoid a lapse in coverage.
If it’s been more than 30 days, you’ll see a new quote available. Please note, your new quote could be higher than what you were previously paying.
If you don’t see an option in the app, please contact us to see if we can provide you with a new quote.
Are you going to refund premiums to customers?
Root has always been committed to pricing insurance based on actual driving behavior. We understand how much less some of our customers are driving. And we want to support them based on their individual driving behaviors that have helped limit the spread of COVID-19, as well as limit the risks of an accident for themselves and others on the road. For those customers, they can earn the Stay Home Driving Bonus.
Reduce your driving by 20% in April and May and you could save up to 10% each month. Make sure your app permissions are turned on, including location and motion permissions. You can check your permissions in the app by tapping Stay Home Driving Bonus.
Learn more about the Stay Home Driving Bonus here: joinroot.com/stay-home-driving-bonus.
*The Stay Home Driving Bonus is not available in California.
What if I need to file a claim?
Where do I go if I still have questions?
How can I speak with a customer support representative?
If you still have questions, email us at email@example.com. Or, you can reach us at 866-980-9431, Monday-Friday 9 a.m to 8 p.m.
We greatly appreciate all of our customers and are working diligently to continue to serve you. We will continue to update this page regularly, as new information becomes available.
*Last updated on February 08, 2021.