American Family vs Root Car Insurance for 2024

Are you in the market for car insurance and trying to decide between American Family car insurance and Root car insurance? Both companies offer unique benefits and features that can appeal to different types of drivers. In this review, we’ll compare the two companies side by side and help you make an informed decision.

Keep reading to learn about the history, mission, products and services, discounts, and customer reviews of both American Family and Root car insurance.

History and Mission: American Family vs Root Car Insurance

American Family was founded in 1927 and is headquartered in Madison, Wisconsin. The company has a mission to inspire, protect, and restore dreams through their insurance products and services.

They offer a wide range of insurance products beyond car insurance, including home, business, and life insurance. American Family currently operates in 19 states, including Arizona, Colorado, Georgia, and Wisconsin.

Root was founded in 2015 and is headquartered in Columbus, Ohio. The company uses telematics and data analytics to offer personalized car insurance rates based on how each individual drives.

Root has a mission to make car insurance more fair by using data to determine rates, rather than relying on factors like age, gender, or credit score. Root currently operates in 30 states, including California, Florida, Illinois, and Texas.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Coverage Options: American Family vs Root Car Insurance

Let’s dive deeper into the products and services offered by American Family and Root.

American Family Insurance offers a wide range of insurance products, including:

• Auto insurance: American Family’s auto insurance policies include liability coverage, collision coverage, comprehensive coverage, and uninsured motorist coverage. They also offer additional coverage options like roadside assistance, rental reimbursement, and emergency travel expense coverage.
• Homeowners insurance: American Family’s homeowners insurance policies cover damage to your home and personal property, liability protection, and additional living expenses if you need to temporarily relocate due to a covered loss. They also offer optional coverage options like identity theft protection and equipment breakdown coverage.
• Business insurance: American Family offers a variety of business insurance products, including general liability insurance, property insurance, commercial auto insurance, workers’ compensation insurance, and cyber liability insurance.
• Life insurance: American Family’s life insurance policies include term life insurance, whole life insurance, and universal life insurance. They also offer additional coverage options like accidental death insurance and critical illness insurance.

Root Insurance, on the other hand, focuses specifically on car insurance. They offer customizable coverage options, including:

• Liability coverage: Liability coverage pays for damages or injuries you cause to others in an accident. Root offers liability limits up to $500,000 per accident.
• Collision coverage: Collision coverage pays for damage to your car in an accident, regardless of who is at fault.
• Comprehensive coverage: Comprehensive coverage pays for damage to your car caused by events like theft, vandalism, or weather-related incidents.
• Roadside assistance: Root offers optional roadside assistance coverage, which can help you if you have a flat tire, need a jumpstart, or run out of gas.
• Rental car coverage: Root offers optional rental car coverage, which can help you pay for a rental car if your car is in the shop due to a covered loss.

Overall, American Family offers a wider range of insurance products than Root, but Root’s customizable car insurance policies may be more appealing to drivers who are primarily concerned with their auto insurance coverage. It’s important to compare the specific coverage options and costs offered by both companies to determine which one is the best fit for your needs.

Cost of American Family and Root Car Insurance

The cost of insurance from American Family can vary depending on a variety of factors, such as the type of coverage you need, your driving record, your age and location, and the discounts you qualify for. However, according to industry data, the average cost of car insurance from American Family is around $1,200 per year.

Root Insurance uses a unique approach to pricing their car insurance policies. Instead of relying solely on traditional factors like age and driving record, Root uses data from customers’ smartphones to assess their driving habits and determine their risk level. This allows them to offer personalized, customized insurance policies to their customers.

In summary, both American Family and Root offer competitive pricing for their insurance products, with the cost of car insurance from both companies averaging around $1,200 per year. However, the cost of insurance can vary depending on a variety of factors, so it’s important to compare quotes from multiple insurance companies to find the best coverage at the best price.

Discounts Offered

Let’s take a look at the different types of discounts offered by both American Family and Root car insurance.

American Family Insurance offers a wide range of discounts to help customers save money on their car insurance premiums. Here are some of the most common discounts that American Family offers:

• Multi-policy discount: Customers who have multiple insurance policies with American Family, such as auto and home insurance, can qualify for a discount on their premiums.
• Good driver discount: Customers who have a clean driving record for a certain number of years can qualify for a good driver discount.
• Defensive driver discount: Customers who complete a state-approved defensive driving course can qualify for a discount.
• Safety features discount: Customers who have certain safety features installed in their car, such as anti-lock brakes or airbags, can qualify for a discount.
• Young driver discount: Customers who have a teenage driver on their policy can qualify for a discount if the driver maintains good grades in school.
• Loyalty discount: Customers who have been with American Family for a certain number of years can qualify for a loyalty discount.
• Low mileage discount: Customers who don’t drive their car very often may qualify for a low mileage discount.

Root car insurance also offers discounts to its customers to help them save money on their premiums. Here are some of the discounts offered by Root:

• Safe driving discount: Customers who demonstrate safe driving habits through the Root app can qualify for a discount on their premiums.
• Good credit discount: Customers who have a good credit score can qualify for a discount.
• Multi-car discount: Customers who insure more than one car with Root can qualify for a discount.
• Good student discount: Customers who are full-time students and maintain good grades can qualify for a discount.
• Homeowner discount: Customers who own a home can qualify for a discount.

It’s important to note that the availability and amount of discounts can vary by state and by individual policy. Additionally, not all customers may qualify for all discounts. It’s important to talk to an insurance agent or check with the company directly to see which discounts you may be eligible for.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Case Studies: American Family and Root Car Insurance

Case Study 1: American Family Insurance

John Smith, a resident of Wisconsin, chose American Family Insurance for his comprehensive car insurance coverage. He was impressed by the company’s reputation for excellent customer service and the wide range of insurance products they offered. Bundling multiple policies with one provider was convenient for him, and positive reviews from American Family customers reinforced his decision.

Case Study 2: Root Car Insurance

Sarah Johnson, a young driver from California, opted for Root Car Insurance to find affordable coverage. She appreciated Root’s personalized rates based on individual driving habits, which were determined through the data collected from her smartphone. Sarah was delighted to receive a customized insurance policy at a competitive price, and she felt that Root understood her needs as a young driver.

Case Study 3: Comparison and Decision

Mark Davis, a resident of Illinois, conducted thorough research to decide between American Family Insurance and Root Car Insurance. While American Family Insurance offered a wider range of insurance products, Root Car Insurance intrigued Mark with its personalized rates based on driving behavior. Ultimately, Mark chose American Family Insurance due to its reputation, extensive coverage options, and positive customer feedback.

Navigating American Family Insurance vs. Root Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Both American Family Insurance and Root Car Insurance offer multiple options for filing claims, ensuring convenience for their policyholders. You can file a claim with American Family Insurance by calling their claims hotline or by submitting a claim online through their website.

Root Car Insurance, on the other hand, has a unique approach. Policyholders can file claims through their mobile app, making the process efficient and user-friendly.

Average Claim Processing Time

The average claim processing time can vary depending on the nature of the claim and the complexity of the situation. Both American Family Insurance and Root Car Insurance aim to process claims as efficiently as possible to provide timely assistance to their customers. It’s advisable to contact the respective insurance company for specific information regarding claim processing times.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is essential in evaluating the claim resolutions and payouts provided by insurance companies. Both American Family Insurance and Root Car Insurance have received feedback from their policyholders.

It’s recommended to research customer reviews and ratings to gauge the overall satisfaction levels with their claim resolution processes. This feedback can help you make an informed decision when choosing an insurance provider.

Exploring Digital and Technological Features of American Family Insurance vs. Root

Mobile App Features and Functionality

Both American Family Insurance and Root Car Insurance offer mobile apps to enhance the customer experience. These apps typically provide features such as policy management, claims filing, bill payment, and access to important documents.

American Family’s app is designed to provide comprehensive account management, while Root’s app focuses on personalized rates and telematics-based insights. Evaluate these features to determine which aligns better with your preferences and needs.

Online Account Management Capabilities

Online account management is a crucial aspect of modern insurance services. American Family Insurance and Root Car Insurance offer online account access to their policyholders.

You can log in to your account through their respective websites to view policy details, make changes, and manage your coverage. Explore these online account management capabilities to ensure they meet your requirements for convenient policy management.

Digital Tools and Resources

Both insurance companies likely provide various digital tools and resources to assist policyholders in understanding their coverage, making informed decisions, and accessing helpful information. These resources may include educational articles, calculators, and guides.

Evaluate the availability and usefulness of these digital tools to determine which company offers resources that align with your needs for insurance-related information and assistance.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

FAQs

Here are some frequently asked questions and answers for both American Family and Root car insurance:

American Family Insurance FAQs:

Q: How do I file a claim with American Family Insurance?

A: You can file a claim with American Family Insurance by calling their claims hotline or by logging in to your online account and submitting a claim online.

Q: How do I get a quote for car insurance from American Family?

A: You can get a quote for car insurance from American Family by visiting their website or by contacting an insurance agent.

Q: Does American Family offer roadside assistance?

A: Yes, American Family offers roadside assistance as an optional add-on to their auto insurance policies.

Root Car Insurance FAQs:

Q: How do I get a quote for car insurance from Root?

A: You can get a quote for car insurance from Root by downloading their app and completing the application process.

Q: Does Root offer roadside assistance?

A: Yes, Root offers roadside assistance as an optional add-on to their auto insurance policies.

Q: How does Root determine my car insurance rates?

A: Root uses telematics data collected from your smartphone to determine your car insurance rates. They analyze factors such as your driving habits, location, and other data to determine your risk level and set your rates accordingly.

It’s important to note that these FAQs are not exhaustive and may vary by state or policy. Customers should always check with the insurance company directly or speak to an insurance agent to get answers to their specific questions.

Roundup: American Family vs Root Car Insurance

In conclusion, both American Family Insurance and Root Car Insurance are reputable companies that offer unique features and benefits to their customers.

American Family has a long history of providing reliable insurance coverage and has a variety of products and services to fit different needs and budgets. They also offer a number of discounts, such as multi-policy and safe driving discounts, to help customers save on their premiums.

Ultimately, when deciding between American Family and Root Car Insurance, customers should carefully consider their individual needs and priorities.

It’s important to compare quotes and research each company’s reputation and customer satisfaction ratings before making a decision. With the right coverage and a trustworthy insurance provider, drivers can have peace of mind and protection on the road.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption