Century vs Root Car Insurance for 2023
Unleash a comprehensive exploration of Root Car Insurance and Century Car Insurance, unraveling their distinct approaches to coverage and pricing in the competitive field of car insurance.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Jan 8, 2024
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 8, 2024
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
Embark on a journey through the intricacies of car insurance rates with our insightful data table analysis. As we scrutinize factors like credit score, mileage, coverage level, and driving record, discover which company stands out in offering the most favorable rates for various customer profiles. This concise exploration serves as a valuable guide, shedding light on how these crucial elements influence insurance pricing across companies. Armed with this knowledge, readers can confidently navigate the complexities of the insurance landscape, making informed decisions that align with their specific needs and circumstances. Let’s demystify the realm of car insurance rates together.
| Factors | Century | Root |
|---|---|---|
| Clean Record | $80 | $140 |
| 1+ Ticket | $100 | $170 |
| 1+ Accident | $120 | $200 |
| DUI | $140 | $250 |
| Poor Credit | $138 | $241 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discounts | Century | Root |
|---|---|---|
| Anti Theft | 5% | 7% |
| Good Student | 10% | 8% |
| Low Mileage | 10% | 6% |
| Paperless | 8% | 9% |
| Safe Driver | 15% | 10% |
| Senior Driver | 10% | 12% |
Century Car Insurance
Pros:
- Long-standing History: Established in 1956, Century has a robust history in the insurance industry, showcasing stability.
- Comprehensive Coverage: Offers a variety of coverage options, including liability, collision, comprehensive, and additional perks like personal injury protection and roadside assistance.
- Nationwide Availability: Provides coverage in over 40 states, ensuring a broad reach for potential customers.
- Discount Options: Century offers various discounts, such as multi-policy, safe driver, good student, and app usage discounts, providing opportunities for cost savings.
Cons:
- Mixed Customer Reviews: Customer reviews are mixed, with some praising customer service while others express dissatisfaction with claims processing and rates.
- Claims Processing Concerns: Some customers report delays in the claims process, indicating potential issues with the efficiency of claim resolution.
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Root Car Insurance
Pros:
- Innovative Pricing Model: Root utilizes telematics to personalize rates based on driving behavior, potentially offering lower rates (up to 52% lower) than traditional insurers.
- Positive Customer Reviews: Generally positive reviews, with customers appreciating personalized rates and an easy-to-use mobile app.
- Digital Approach: Embraces technology with a user-friendly mobile app and a commitment to using data for fair and affordable insurance.
- Competitive Discounts: Offers discounts for safe driving, multi-policy, test drives, and a referral program, providing various ways to save.
Cons:
- Limited History: Founded in 2015, Root lacks the long-standing history of some competitors, potentially raising concerns about stability.
- Geographic Limitations: Available in 30 states, which may limit options for potential customers compared to more widely available insurers.
- App Glitches: Some customers report glitches in the mobile app, indicating potential issues with the digital interface.
- Mixed Claims Process Reviews: While many customers have positive experiences, there are reports of difficulties in the claims process.
Best Overall: Root Car Insurance
When evaluating the overall performance of Century and Root Car Insurance, Root emerges as the preferred choice based on several factors.
Innovative Pricing Model: Root employs an innovative pricing model that leverages telematics to customize rates based on individual driving behaviors. This pioneering approach provides the potential for rates up to 52% lower than those offered by traditional insurers, setting Root apart in terms of affordability and competitiveness.
Commitment to Fairness and Affordability: Root’s utilization of telematics not only lowers rates but also reflects a strong commitment to fairness and affordability in the insurance industry. This commitment is aligned with providing a transparent and equitable experience for policyholders.
Positive Customer Reviews: Root has garnered positive customer reviews, with particular emphasis on the appeal of personalized rates and the user-friendly mobile app. This positive feedback enhances the overall appeal of Root as a customer-centric insurance provider.
Forward-Thinking Digital Approach: Root’s forward-thinking digital approach distinguishes it from competitors like Century. While Century has a longer history, Root’s embrace of modern digital strategies aligns seamlessly with the evolving preferences of contemporary consumers.
Competitive Discount Offerings: Root stands out with its competitive discount offerings, which include incentives for safe driving, multi-policy arrangements, test drives, and a robust referral program. These offerings underscore Root’s dedication to providing value and savings to their customers, enhancing the overall customer experience.
Although Century offers comprehensive coverage and has a broad nationwide presence, Root’s innovative use of technology, positive customer sentiment, and competitive pricing make it the standout choice for those seeking a modern, customer-centric car insurance experience.
Company History and Mission
Century has been in business since 1956 and is based in Michigan. The company’s mission is to provide affordable and reliable car insurance to customers in over 40 states. They pride themselves on their customer service and claim to offer flexible payment options.
Root, on the other hand, is a newer company that was founded in 2015 and is headquartered in Ohio. Their mission is to use data and technology to make car insurance more fair and affordable. Root claims to offer rates up to 52% lower than traditional insurers.
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Products and Services
Century offers a variety of car insurance products, including liability, collision, and comprehensive coverage, as well as personal injury protection and uninsured/underinsured motorist coverage. They also offer rental car coverage, roadside assistance, and gap insurance.
Root offers similar coverage options but uses a different approach to pricing. They use telematics to track your driving behavior and offer personalized rates based on your driving habits. Root also offers roadside assistance, rental car coverage, and a mobile app for managing your policy.
Cost and Availability
The cost of car insurance varies depending on many factors, such as your location, driving history, and the type of coverage you need. Both Century and Root offer competitive rates, but Root claims to offer rates up to 52% lower than traditional insurers.
Century offers car insurance in over 40 states, including Alabama, Arizona, Colorado, Florida, and Georgia. Root is currently available in 30 states, including Arizona, Illinois, Ohio, Texas, and Utah. Check with each company to see if they offer coverage in your state.
Discounts Available for Customers
Century offers a variety of discounts to help customers save money on their car insurance. Some of the discounts available include:
- Multi-Policy Discounts: Customers can benefit from discounts by bundling multiple insurance policies with Century.
- Safe Driver Discounts: Policyholders with a proven record of safe driving are eligible for discounts on their car insurance premiums.
- Good Student Discounts: Century offers discounts for students who maintain good academic performance.
- Paid-in-Full Discount: Customers can receive a discount by paying their premium in full rather than in installments.
- Mobile App Usage Discount: Century provides a discount for policyholders who use their mobile app, encouraging convenient and digital interactions.
Root offers similar discounts, such as:
- Safe Driving Discounts: Root offers discounts based on individual driving behaviors, rewarding safe driving practices.
- Multi-Policy Discounts: Customers can enjoy discounts by combining multiple insurance policies with Root.
- Test Drive Discount: Root provides discounts for policyholders who take a test drive using their mobile app, utilizing telematics to assess driving behavior.
- Referral Program: Root’s referral program allows customers to earn cash rewards by referring friends to the insurance company, promoting customer engagement and growth.
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Case Studies: Fictional Comparisons of Century vs Root Car Insurance
Case Study 1: John’s Experience With Century Car Insurance
John, a resident of Colorado, had been a loyal customer of Century Car Insurance for several years. He appreciated their affordable rates and flexible payment options.
However, when he filed a claim after a car accident, he faced delays in the claims process and was dissatisfied with the overall customer service. Despite the negative experience, John found that Century’s rates were still competitive compared to other insurance providers.
Case Study 2: Sarah’s Experience With Root Car Insurance
Sarah, a tech-savvy driver from Ohio, decided to try Root Car Insurance due to their innovative approach to pricing based on telematics data. After using Root’s mobile app to track her driving behavior, Sarah received a personalized rate that was significantly lower than what she had been paying with her previous insurer.
She also found the app user-friendly and appreciated the additional features like roadside assistance and rental car coverage. Overall, Sarah had a positive experience with Root Car Insurance.
Case Study 3: Mark’s Comparison of Century and Root Car Insurance
Mark, a resident of Arizona, wanted to find the most affordable car insurance option for his family. He compared quotes from Century and Root Car Insurance and found that Root offered rates up to 52% lower than traditional insurers, including Century.
However, Mark was hesitant about Root’s reliance on telematics data and preferred the more traditional approach of Century. In the end, he chose Century Car Insurance for its long-standing reputation and comprehensive coverage options.
Claims Process Comparison: Century vs. Root Car Insurance
Ease of Filing a Claim (online, over the phone, mobile apps)
Both Century and Root car insurance providers offer multiple options for filing a claim. You can file a claim with both companies online through their respective websites or mobile apps, providing a convenient and hassle-free way to report accidents or incidents. Additionally, you have the option to file a claim over the phone if you prefer a more personal touch and want to speak directly with a claims representative.
Average Claim Processing Time
The average claim processing time can significantly impact your experience with an insurance provider. While customer experiences may vary, it’s essential to consider the typical turnaround time for claims with Century and Root.
Both companies strive to provide efficient claim processing, but individual cases may differ. It’s advisable to check with each company for their specific claim processing timeframes, as these can change over time.
Customer Feedback on Claim Resolutions and Payouts
Understanding how well an insurance company handles claim resolutions and payouts is crucial when selecting your coverage provider. Customer feedback can provide valuable insights into the satisfaction levels of policyholders.
Century and Root both have customer reviews available online, which can give you a better understanding of their track record when it comes to handling claims. Keep in mind that individual experiences may vary, so reading multiple reviews can help you make an informed decision about your car insurance provider.
Cutting-Edge Digital Offerings: Century vs. Root Car Insurance
Mobile app features and functionality
Both Century and Root offer mobile apps designed to enhance your overall insurance experience. These apps typically allow you to manage your policy, access important documents, and even file claims from your mobile device. It’s worth exploring the specific features and functionality offered by each company’s app to see which one aligns better with your preferences and needs.
Online account management capabilities
In addition to mobile apps, both Century and Root provide online account management capabilities through their websites. These online portals enable you to review your policy details, make payments, and update your information conveniently. Take the time to explore these online account management tools to ensure they meet your requirements for easy and efficient policy management.
Digital tools and resources
Both Century and Root are committed to using technology to improve the insurance experience for their customers. They may offer various digital tools and resources, such as educational content, insurance calculators, and safety tips, to help you make informed decisions and stay safe on the road.
Be sure to explore the digital resources offered by each company to see which align with your preferences and needs for a comprehensive insurance experience.
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Customer Reviews
Customer reviews can be a helpful way to gauge the quality of a company’s products and services. Century has mixed reviews online, with some customers praising their customer service and others complaining about slow claims processing and high rates.
Root has generally positive reviews online, with customers praising their personalized rates and easy-to-use app. However, some customers have complained about glitches in the app and difficulties with the claims process.
Frequently Asked Questions
Can I switch from my current car insurance provider to Root or Century at any time?
Yes, you have the flexibility to switch to Root or Century at any time. Ensure you cancel your previous policy before transitioning to avoid any lapses in coverage.
Do Century and Root offer roadside assistance as part of their car insurance policies?
Yes, both Century and Root provide roadside assistance. It’s available as an optional add-on to enhance your coverage.
What states do Century and Root currently offer car insurance coverage in?
Century offers coverage in over 40 states, including Alabama, Arizona, Colorado, Florida, and Georgia. Root is available in 30 states, including Arizona, Illinois, Ohio, Texas, and Utah. Check with each company to confirm coverage in your state.
What discounts are available for customers with Century and Root car insurance?
Both companies offer various discounts. Century provides discounts such as multi-policy, safe driver, and good student discounts. Root offers discounts for safe driving, multi-policy arrangements, test drives, and a referral program.
How can I file a car insurance claim with Century and Root?
Filing a claim is convenient with both Century and Root. You can submit a claim online through their respective websites or mobile apps. If you prefer, you also have the option to file a claim over the phone for a more personalized experience with a claims representative.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
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.