How we use our car insurance app to determine your good driving discount.
At Root, better drivers get better rates. By downloading the app to your smartphone and taking the test drive, you can earn the low car insurance rate you deserve.
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While you drive with our app, we gather and analyze data from your smartphone’s sensors. After your Root test drive is over, you’ll get a car insurance quote based primarily on how you drive. Here’s what we look at while you're behind the wheel.
This one’s pretty simple. Give yourself plenty of room to stop and avoid hard braking.
Drive during safer hours. Whenever possible, limit super late-night trips, especially on the weekends.
Turn safely by slowing down. Ease into and out of each turn.
Go easy on your brake and gas pedal and enjoy a smooth ride. Try to avoid lots of sudden starts and stops.
We use your iPhone or Android phone to measure your driving behavior for 2-3 weeks. Better driving = more savings, as it should be.
You enable us to use your phone’s GPS and motion sensors so we get the information we need to give you a rate (don’t worry — we never sell your data).
Using machine learning and A.I., we analyze the data from your phone to determine your driving behavior.
The motion of your phone is different whether you’re the driver or the passenger. We assess this motion from the data — using the app’s insights to ensure only your driving trips are eligible for rating.
Every policy owner must take the test drive! It’s only fair.
Our models don’t work with every situation, so we may not offer you a quote. That just means you could save more with another carrier, and we don’t want to stand in the way of you saving money.
Nope. You actually give it permissions to run in the background on your phone when you set up the test drive.
Currently, every trip you take during the test drive will count towards your quote, regardless of why you’re driving. For people that drive for work, like ambulance drivers, police officers, mail delivery personnel, and truck drivers, this means the trips you take for work will be used in addition to your personal driving to calculate your rate. Unfortunately, we don’t have a solution for this yet, but we have very smart people working very hard on it. We want everyone to get the discount they deserve.
We encourage you to take the test drive anyway! Good drivers are often surprised at how low their quote is—even with their work trips. We can also let you know if your work driving has impacted your score (just message us at [email protected].
We do our best to make sure that our test drive is as battery friendly as possible—many customers report no change or very little change. The good news? Any short-term inconvenience can lead to big savings.