American Access vs Root Car Insurance for 2023

American Access Car Insurance and Root Car Insurance are two well-known names in the car insurance industry, each offering their own unique features and benefits to customers. In this review, we will compare American Access and Root Car Insurance, taking a closer look at their history, products and services, discounts, and customer reviews.

Here are three interesting attributes of American Access and Root Car Insurance:

1. American Access offers bilingual customer service representatives to assist their Spanish-speaking customers.
2. Root Car Insurance offers a unique policy pricing system based on driving habits and behavior.
3. Both companies offer mobile apps for easy access to policy information and claims.

Car insurance is a necessary expense for drivers to protect themselves and their vehicles on the road. However, with so many options available, it can be difficult to choose the right car insurance provider. In this review, we will compare American Access and Root Car Insurance to help you make an informed decision about which company to choose for your car insurance needs.

Company History and Mission

American Access has been providing auto insurance to customers for over 25 years, with a focus on affordable and reliable coverage. The company prides itself on offering personalized service to each customer, with bilingual representatives available to assist Spanish-speaking customers. American Access operates in Illinois, Indiana, and Arizona.

Root Car Insurance is a newer company, founded in 2015 with a mission to disrupt the traditional car insurance industry. Root uses technology to offer fair pricing based on driving behavior, rewarding safe drivers with lower rates. The company operates in over 30 states and is growing rapidly.

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Products and Services

American Access offers a range of car insurance products, including liability, collision, and comprehensive coverage. They also offer additional coverage options such as uninsured motorist protection and roadside assistance. American Access offers competitive rates and flexible payment options to fit customers’ budgets.

Root Car Insurance offers a unique policy pricing system based on driving behavior. Customers download the Root app and drive normally for a few weeks while the app tracks their driving behavior. Based on factors such as how often they brake hard, their speed, and the time of day they drive, Root calculates a personalized rate for the customer. This can result in significant savings for safe drivers. Root also offers standard coverage options such as liability, collision, and comprehensive coverage.

Cost and Availability

American Access offers competitive rates for car insurance, with flexible payment options and discounts available. Rates vary depending on the state and the specific coverage options chosen.

Root Car Insurance offers personalized rates based on driving behavior, which can result in significant savings for safe drivers. However, customers who are considered high-risk drivers may end up with higher rates. Root operates in over 30 states and is growing rapidly, with plans to expand further in the future.

Discounts

Both American Access and Root Car Insurance offer discounts to help customers save money on their car insurance. American Access offers discounts for safe driving, good grades for student drivers, and bundling multiple policies together. Root offers discounts for safe driving and referring friends to the company.

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Customer Reviews

Customer reviews can be a valuable resource when choosing a car insurance provider. American Access has a mixed reputation, with some customers praising their affordable rates and good customer service, while others have reported difficulty getting claims paid out. Root Car Insurance has a strong reputation for fair pricing based on driving behavior, but some customers have reported issues with the claims process.

FAQ

Q: How does Root Car Insurance determine my personalized rate? A: Root tracks your driving behavior using the app and calculates a personalized rate based on factors such as how often you brake hard, your speed, and the time of day you drive.

Q: Does American Access offer bilingual customer service? A: Yes, American Access has bilingual representatives available to assist Spanish-speaking customers.

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