The insurance industry does not always move fast. Many of the carriers we work with have been around for 50, 80, even 100+ years. They are proven, stable, and reliable — and that is exactly why we partner with them. But every now and then, a newer company comes along that does things differently enough to earn a spot on our panel. Clearcover is that company.
Founded in 2016 right here in Chicago, Clearcover is a technology-first auto insurance carrier that was built from the ground up to deliver lower rates by cutting out the inefficiencies that plague traditional insurers. They are not trying to be everything to everyone. They do one thing — car insurance — and they do it really well. Here are five reasons we are proud to have Clearcover on the Better Choice Insurance Group carrier panel.
1. Their Rates Are Genuinely Lower (and Here Is Why)
When we say Clearcover offers lower rates, we are not talking about a gimmick or an introductory teaser that disappears at renewal. Clearcover's pricing advantage is structural. It is built into how the company operates.
Traditional insurance companies carry enormous overhead: legacy technology systems, sprawling office networks, massive advertising budgets (how much does a Super Bowl commercial cost again?), and layers of manual processes. All of those costs get baked into the premiums you pay. Clearcover was designed to eliminate as much of that overhead as possible.
Their underwriting is largely automated. Their policy management is app-based. Their marketing is efficient and targeted rather than broadcast. The result is a company that can offer the same coverage as a legacy carrier at a meaningfully lower price — often 10 to 20 percent less for comparable coverage.
When we run auto quotes across our full panel, Clearcover is frequently the lowest or second-lowest option. For cost-conscious clients who want solid coverage without paying for a carrier's brand name and overhead, Clearcover is exactly the kind of option we love to present.
2. Their App Is the Best in the Business
If you are the kind of person who prefers to manage everything from your phone — banking, shopping, travel, you name it — you will love Clearcover. Their mobile app is not an afterthought bolted onto a traditional insurance company. It is the primary way customers interact with their policies, and it shows.
Through the Clearcover app, you can view your policy details and coverage limits, access your digital ID cards instantly, make payments and update your payment method, file a claim 24/7, track your claim status in real time, request roadside assistance, and chat live with a customer advocate. The app is clean, fast, and intuitive. It is available on both iOS and Android, and it consistently receives strong ratings in both app stores.
For a generation of customers who grew up managing their lives through their phones, Clearcover feels natural. There are no clunky websites to navigate, no hold times on a phone tree, no mailing in paper forms. It is insurance for the way people actually live today.
3. Claims Are Fast — Really Fast
The true test of any insurance company is what happens when you file a claim. Clearcover's technology-driven approach shines brightest here. Their claims process is designed around speed and transparency.
You file your claim through the app (you can also call 1-855-444-1875 if you prefer). For straightforward claims — a fender bender, a cracked windshield, a minor collision — much of the process is automated. Clearcover's systems can review the claim, verify coverage, and initiate payment without waiting for a human adjuster to manually process every step.
The result: most Clearcover claims are paid in less than a week. Compare that to the industry norm, where simple auto claims can take two to four weeks to resolve. For our clients who have experienced Clearcover's claims process, the speed and transparency are consistently the things they talk about most.
And for more complex claims that do require human involvement, Clearcover's claims team is accessible and responsive. The app provides real-time status tracking, so you are never left wondering what is happening with your claim.
4. They Are a Chicago Company (and We Love That)
Better Choice Insurance Group is based in the Chicago suburbs. Clearcover is headquartered in downtown Chicago at 33 West Monroe Street. There is something meaningful about partnering with a carrier that was born in the same market we serve.
Clearcover's founders understood the Illinois insurance market intimately. Kyle Nakatsuji, the co-founder and CEO, came from American Family Ventures, where he invested in insurance technology companies. He saw the opportunity to build a better mousetrap, and he chose Chicago as the place to do it.
That local presence means Clearcover's pricing models reflect the realities of driving in Illinois — the traffic patterns, the weather, the road conditions, the claim frequencies. They are not a coastal company applying a one-size-fits-all model to the Midwest. They are our neighbors, and their pricing reflects a deep understanding of our market.
We have also had the benefit of building a direct relationship with Clearcover's team. When we have questions, need to escalate an issue, or want to provide feedback, we are working with people who are a short drive away. That kind of access matters when you are advocating for your clients.
5. They Pair Perfectly With Our Other Carriers
Clearcover specializes in auto insurance. They do not write home, landlord, or umbrella policies. For some agencies, that might be a limitation. For us, it is actually an advantage.
As an independent agency, we can mix and match carriers to build the optimal insurance package for each client. That means we can pair Clearcover's ultra-competitive auto rate with a home insurance policy from another carrier on our panel — like Liberty Mutual, Safeco, or Travelers — and still get our client a great total price.
This is the beauty of working with an independent agent. You are not locked into one carrier for everything. If Clearcover has the best auto rate and another carrier has the best home rate, you get both. We handle the coordination. You get the savings.
A Real Client Story
A young couple in Evanston, Illinois reached out to us after buying their first car. They had been quoted $2,800 per year through a well-known direct carrier — a rate that felt steep for two clean-record drivers in their late twenties with a three-year-old Honda CR-V.
We ran them through our full panel. Clearcover came back at $1,920 for the same coverage limits — a savings of $880 per year, or about 31 percent. The coverage was identical: 100/300/100 liability, comprehensive, collision with a $500 deductible, uninsured motorist, and roadside assistance.
The couple was initially hesitant because they had not heard of Clearcover. We explained the company's background, their Demotech financial strength rating, and the technology-driven approach that allows them to offer lower rates. We also explained that as their agents, we would be there to advocate for them if anything ever went wrong with a claim.
Six months later, one of them was involved in a minor fender bender in a parking lot. They filed the claim through the Clearcover app on the spot. The claim was reviewed and a payment was issued within four days. They called us afterward to say it was the smoothest insurance experience they had ever had.
How Clearcover Stacks Up for Auto-Only Shoppers
| Feature | Clearcover | Traditional National Carrier |
|---|---|---|
| Pricing approach | Technology-driven, low overhead | Legacy systems, high overhead |
| Typical rate vs. market | 10–20% below average | At or above average |
| Claims speed | Most paid in under a week | 2–4 weeks typical |
| Primary management | Mobile app (iOS + Android) | Website + phone |
| Financial strength rating | Demotech A (Exceptional) | AM Best A or higher (varies) |
| Roadside assistance | In-app, one tap | Phone call required |
| Headquartered | Chicago, IL | Varies |
The Bottom Line
Clearcover represents a new generation of insurance, and they have earned their place on our carrier panel by delivering exactly what they promise: lower rates through smarter technology, fast and transparent claims, and a mobile-first experience that feels modern and effortless. They are not the right fit for every client — if you need bundled home and auto from a single carrier, we have other great options — but for auto insurance on its own, Clearcover is one of the most competitive options in our market.
The fact that they are a fellow Chicago company makes us especially proud to partner with them. Clearcover is proof that you do not have to choose between low prices and good service. You can have both.
If you are curious whether Clearcover has a competitive rate for your situation, get a free quote from Better Choice Insurance Group. We will compare Clearcover alongside 18+ other carriers to find your best fit. It takes just a few minutes, costs nothing, and there is no obligation. You can also call us at (847) 908-5665 or visit our Clearcover carrier page for quick links to the app, claims, and customer support.