30-45 days before the end of a policy term, we review information related to your insurance application, such as driving records and vehicle history, to determine your renewal rates. There are approximately 30 factors that we use to calculate risk, and changes among those factors can impact your rate.
Outside of those standard factors, insurance companies are sometimes forced to increase rates with all customers in a certain state. Our CEO Kyle wrote a blog post and created a video which helps explain why this can happen.
Within 2 weeks of your policy's renewal, you can view your new policy information and ID card in the "Renewal Center" of the Clearcover mobile app. On the first day of your new policy term, your app will automatically display your updated ID card and policy information.