American Access vs Root Car Insurance for 2023
Comparing American Access and Root Car Insurance unveils a nuanced landscape where driving behavior, coverage options, and customer experience converge to shape the optimal choice for each individual seeking reliable and affordable auto insurance.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Jan 26, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 26, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Navigating the complex terrain of car insurance rates demands a keen understanding of various factors, from credit score and mileage to coverage level and driving record. In this comprehensive analysis, we dissect the data to uncover the insurance landscape’s nuances, revealing which company takes the lead in offering the most favorable rates across diverse customer profiles. Whether you prioritize affordability, extensive coverage, or rewards for safe driving, this guide provides valuable insights tailored to your specific needs, ensuring an informed decision in the realm of insurance choices.
| Factor | American Access | Root |
|---|---|---|
| Clean Record | $80 | $140 |
| 1+ Ticket | $100 | $170 |
| 1+ Accident | $120 | $200 |
| DUI | $140 | $250 |
| Poor Credit | $138 | $241 |
| Discount | American Access | Root |
|---|---|---|
| Anti Theft | 5% | 7% |
| Good Student | 8% | 8% |
| Low Mileage | 10% | 6% |
| Paperless | 5% | 9% |
| Safe Driver | 15% | 10% |
| Senior Driver | 10% | 12% |
American Access Car Insurance
Pros:
- Over 25 years of experience in providing auto insurance.
- Affordable and reliable coverage with flexible payment options.
- Bilingual customer service for Spanish-speaking customers.
- Competitive rates and discounts for safe driving, good grades, and policy bundling.
Cons:
- Mixed customer reviews on claims process, with some reported difficulties.
- Limited availability, operating in Illinois, Indiana, and Arizona only.
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Root Car Insurance
Pros:
- Innovative approach to pricing based on driving behavior using technology.
- Fair pricing for safe drivers, with the potential for significant savings.
- Operates in over 30 states and growing rapidly.
- Discounts for safe driving and referrals.
Cons:
- Relatively newer company, founded in 2015.
- Personalized rates may be higher for high-risk drivers.
- Some customer complaints regarding the claims process.
Root Car Insurance Takes the Lead
When it comes to selecting the best car insurance provider between American Access and Root Car Insurance, one must carefully weigh several factors, including rates, coverage options, and overall customer experience. After a thorough analysis, a decisive choice can be made.
Innovative Pricing Model: Root’s use of technology to calculate personalized rates based on driving behavior is a game-changer. This approach not only promotes safe driving habits but also provides an opportunity for significant savings for conscientious drivers.
Wider Availability: Operating in over 30 states, Root has a broader reach compared to American Access, making it accessible to a larger audience. The company’s rapid growth indicates a positive response from customers in various regions.
Competitive Discounts: Root offers competitive discounts for safe driving and referrals, aligning with modern drivers’ preferences for fair and personalized pricing structures.
Flexibility in Coverage: While both companies offer standard coverage options, Root’s focus on tailoring coverage to individual driving habits provides a more flexible and customer-centric approach.
Technology Integration: Root’s commitment to leveraging digital tools, such as the Root app, enhances the overall customer experience. The app allows users to track driving behavior, file claims, and manage their policies conveniently.
In the pursuit of optimal car insurance, Root emerges as the frontrunner, offering not just rates but a comprehensive package that aligns with modern drivers’ needs. Choose Root for a blend of technology, transparency, and tailored affordability.
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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Case Studies: American Access vs Root Car Insurance
Case Study 1: John’s Comprehensive Coverage
John is residing in Illinois who is looking for comprehensive car insurance coverage. He values affordability and reliable service. American Access offers comprehensive coverage at a competitive rate, with flexible payment options that fit John’s budget. He appreciates the bilingual customer service representatives available to assist him in Spanish, making his experience with the company more convenient.
Case Study 2: Sarah’s Safe Driving Rewards
Sarah, a driver based in Ohio, is a safe driver and seeks a car insurance provider that rewards good driving behavior. Root Car Insurance captures Sarah’s attention with its innovative approach.
By using the Root app to track her driving behavior, Sarah can receive personalized rates based on factors such as braking habits, speed, and time of day driven. As a safe driver, Sarah is likely to receive a lower rate than with traditional insurers.
Case Study 3: Mark’s Claims Experience
Mark, a driver from Indiana, values a smooth claims process when selecting an insurance provider. American Access has mixed customer reviews in this regard, with some customers reporting difficulties in getting their claims paid out.
On the other hand, Root Car Insurance has a reputation for fair pricing based on driving behavior but has received some complaints related to the claims process. Mark would need to consider these factors and assess which aspect is more crucial to him.
American Access vs. Root Car Insurance Claims Process
Ease of Filing a Claim
When it comes to filing a claim with American Access and Root Car Insurance, both companies offer multiple options for convenience. Customers can file claims online through their respective websites or mobile apps, making it a hassle-free process.
Additionally, claims can also be filed over the phone for those who prefer a more traditional approach. The availability of these multiple channels enhances the overall customer experience.
Average Claim Processing Time
The average claim processing time is a crucial factor for customers seeking timely resolutions after an accident or incident. Both American Access and Root Car Insurance aim to provide efficient claim processing.
The actual processing time may vary based on the complexity of the claim and the documentation provided. Customers can inquire about estimated claim processing times when filing a claim to get a better idea of what to expect.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a significant role in evaluating the effectiveness of an insurance company’s claims process. American Access and Root Car Insurance have received varying feedback regarding their claim resolutions and payouts.
While some customers have reported smooth and satisfactory experiences, others have expressed concerns about delays or disputes. It’s essential for potential policyholders to consider this feedback when making their insurance decisions.
American Access vs. Root Car Insurance Digital and Technological Features
Mobile App Features and Functionality
Having a user-friendly mobile app can greatly enhance the customer experience. American Access and Root Car Insurance both offer mobile apps that provide policyholders with convenient features.
These apps typically allow users to access policy information, view and pay bills, file claims, and even track their driving behavior (in the case of Root Car Insurance). Evaluating the functionality and ease of use of these apps can be a key factor in choosing the right insurer.
Online Account Management Capabilities
Online account management is another critical aspect of modern insurance services. Both American Access and Root Car Insurance offer online portals where policyholders can manage their accounts. This includes updating personal information, reviewing policy details, and making changes to coverage.
Examining the user-friendliness and capabilities of these online account management systems is essential for policyholders who prefer digital convenience.
Digital Tools and Resources
Beyond mobile apps and online account management, insurance companies may provide additional digital tools and resources to assist policyholders. These can include educational materials, calculators, and resources to improve driving habits (in the case of Root Car Insurance).
Evaluating the availability and usefulness of these digital tools can help customers make informed decisions and get the most out of their insurance policies.
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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.
Frequently Asked Questions
How does Root Car Insurance determine my personalized rate?
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.
Does American Access offer bilingual customer service?
Yes, American Access has bilingual representatives available to assist Spanish-speaking customers.
What discounts are offered by American Access and Root Car Insurance?
Both companies offer various discounts. American Access provides discounts for safe driving, good grades for student drivers, and bundling multiple policies. Root offers discounts for safe driving and referring friends.
What states does Root Car Insurance operate in?
Root Car Insurance operates in over 30 states and is rapidly expanding. It’s essential to check if your state is included in their coverage.
How do I file a claim with American Access and Root Car Insurance?
Both companies offer multiple options for filing claims, including online through their websites or mobile apps and over the phone for those who prefer a traditional approach.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.