Motion Auto Insurance Reviews [2022]: Revolutionary or just risky?

Most auto insurance companies set premiums based on your driving history, credit score, and demographics such as age, gender, and marital status. But as technology advances, some auto insurers are using telematics to track driving habits and offer cheaper auto insurance rates for good driving.

A 2021 survey by JD Power found that 16% of these policyholders participate in one of these programs and 34% are willing to enroll in one. While some auto insurance companies offer alternative programs that can save you premiums, others offer discounted rates based solely on your driving habits tracked through their apps.

A new company using this pay-as-you-go auto insurance model is Motion Auto. We’ll take a look at it and how the cover works to see if it’s right for you.

In This Motion Auto Insurance Review

Motion car insurance: is it worth it?

What is Motion car insurance?

Motion Auto Insurance is an auto insurance startup founded in 2018 and licensed in Utah. Motion Auto policies are sold by Novo Insurance and underwritten by 21st Century Premier Insurance Company, an agricultural company. Kisan Group has an (excellent) Financial Strength Rating from AM Best.

Motion Auto is in the process of being rebranded to Novo Insurance, so the company is not issuing new policies at this time and limited information is available online.

How does Motion car insurance work?

It all starts with the Motion Auto app, available for both iOS and Android devices. Once you download the app from the App Store, you can apply for coverage and get coverage in two minutes.

Once you start driving, Motion Auto tracks how often and how safely you drive, while giving you feedback to improve your driving habits. Your plan will then be adjusted to reflect the data collected by the app. You can also add new drivers, view your insurance credentials, request roadside assistance and make a claim through the app.

Unfortunately, as of June 28, 2022, Motion Auto Insurance is not currently operating in any states pending the renaming to Novo Auto Insurance.

Although the company is accredited by the Better Business Bureau (BBB) ​​and has a B+BBB rating, customer satisfaction with Motion Auto’s mobile app appears to be low. Overall, customer complaints range from the company using third parties to handle the claims process to Motion Auto not responding to inquiries.

What types of insurance does Motion Auto Insurance offer?

Motion Auto only offers the standard type of auto insurance, and no extras like gap coverage or ridesharing coverage options are available. Here’s a list of what’s included with Motion Auto:

• Personal Injury Coverage: This type of coverage is required by most states and covers things like medical bills and pain for other drivers and passengers who may have injured you in a car accident.
• Property Damage Coverage: This type of coverage is required by most states and helps pay for damage to someone else’s property or vehicle in an accident you cause.
• Insurance coverage for uninsured drivers: It helps pay for repairs to your vehicle if you’re hit by an uninsured driver or hit and run.
• Collision protection: It helps pay for damage to your own vehicle in an accident you caused.
• comprehensive coverage: It pays for damage caused to your car by non-collision events such as theft and vandalism.
• Roadside Assistance Coverage: It can provide coverage for tire changes, jump starts, towing, and other services to get you back on the road.

Motion car insurance: how cheap is it?

Motion offers comprehensive collision and liability insurance policies written by the 21st Century Premier Insurance Company. The company claims that it doesn’t set its premium based on its customers’ zip code or credit rating, but based on their driving habits. As a result, auto insurance for minors can be a safer and more affordable option.

how to get discount

Motion Auto Insurance does not offer discounts and you cannot enroll in the policy at this time. In the meantime, there are a few other steps you can take if you’re looking to get a car insurance discount.

• Check if your current provider offers a usage-based discount program.
• Increase your deductible to lower your monthly premium.
• Inquire about discounts you may be entitled to, including driving course discounts.
• Look up auto insurance to see if you can switch companies to get a better price.

How to maximize your savings with Motion Auto Insurance

To save money on car insurance, speak to a Motion auto insurance agent to see if you can take advantage of any discounts or special savings. Because Motion auto insurance premiums are based on your driving habits, practicing safe driving (no speeding or accidents) and reducing the use of your covered vehicle can help reduce the cost of your policy.

How to get an insurance quote from Motion Auto Insurance

If you’re wondering how to get Motion Auto car insurance, you’ll have to wait for Novo to launch its online offerings. When you click the button to start an offer, you won’t receive a price estimate, but you can enter your information to be notified when the company has completed its rebrand and begins offering new policies in your state. can do.

Frequently asked questions about Motion car insurance

Is Motion Auto Insurance Legit?

Motion Auto Insurance is a legitimate insurance company licensed in Utah. However, due to the company’s renaming, the company is not issuing a new policy at this time.

Is pay-as-you-go car insurance worth it?

Pay-as-you-go car insurance can be worth it if you don’t drive often. However, this means that your reward cannot be estimated. Most pay-as-you-go insurers charge a pay-per-mile fee along with a base rate determined by traditional underwriting criteria like your driver’s license.

Other pay-as-you-go car insurance companies also adjust your rate based on your driving behavior, e.g. B. the time of day you drive. You need to estimate and calculate your annual profit to make sure you’re getting a good deal.

How can you contact Motion Auto Insurance?

You can contact Motion Auto Insurance through the online form, online chat, or by phone or email. Phone support is currently available weekdays between 9:00 am and 5:00 pm Mountain Time.

ground level

While Motion Auto/Novo Insurance may be worth a look, you’ll have to wait until the company’s rebranding is complete to get a quote. But that doesn’t mean you should stop looking for auto insurance.

If you are happy with your current business, you can ask about ways to lower your premium. But if you’re ready to make the switch, first get quotes from some of the best auto insurance companies we’ve reviewed.

methodology

FinanceBuzz researches several factors into each auto insurance provider to create our ratings. These factors include cost and discounts, complaints and customer satisfaction, coverage, and ease of use. We also collect information from sources such as JD Power, AM Best, the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau to ensure we are providing the most useful information to our readers.

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