Go Auto Insurance: Is It Worth The Hype?

GoAuto Insurance is a Louisiana-based auto insurance company that offers basic auto insurance policies in Louisiana, Nevada, Ohio and Texas. GoAuto is known for its affordable rates and has been providing cost-effective car insurance policies since 2009. However, it has received poor reviews for its customer service and communication. GoAuto's mobile app has also received mixed reviews, with a 3.7-star rating on the Google Play Store and 2.4 stars on the Apple App Store as of April 2023. Overall, GoAuto could be a good option for drivers who need basic and affordable coverage, but other auto insurance providers may offer more comprehensive coverage and better customer service.

GoAuto Insurance Pros and Cons

GoAuto Insurance is a Louisiana-based auto insurance company that offers basic auto insurance policies in Louisiana, Nevada, Ohio, and Texas. The company has been providing cost-effective car insurance policies since 2009. Here are some pros and cons of GoAuto Insurance:

Pros

• Physical locations for in-person payments: GoAuto maintains physical locations, allowing customers to speak with representatives in person and make payments at these brick-and-mortar sites.
• Highly-rated mobile app: GoAuto's mobile app is highly rated for being user-friendly and helpful. The app allows customers to get a quote, view ID cards, buy or renew a policy, pay a bill, view their policy and corresponding documents, and file and track a claim.
• User-friendly website: The GoAuto website is available in English and Spanish, making it versatile and inclusive for many of its policyholders. Customers can get a quote, file a claim, find a nearby office, and make a bill payment through the website.

Cons

• Few positive reviews: GoAuto has mostly negative reviews online, with customers citing poor customer service and frustrations with communication.
• Not rated by AM Best: GoAuto Insurance has not been rated by AM Best for financial strength, which may be concerning for some drivers.
• Limited availability: GoAuto Insurance is only available in four states: Louisiana, Nevada, Ohio, and Texas.
• Lack of explanation of coverage options: GoAuto's website does not provide a clear explanation of the coverage options available, making it challenging for potential customers to make an informed decision.
• More complaints than expected: GoAuto has received more complaints than expected relative to its size, with customers expressing dissatisfaction with the company's handling of claims.

GoAuto Insurance Coverage

GoAuto Insurance is a Louisiana-based auto insurance company that offers car insurance coverage in Louisiana, Nevada, Ohio, and Texas. The company was founded in 2009 and is based in Baton Rouge, Louisiana. GoAuto is known for its affordable rates and limited coverage options.

GoAuto offers basic auto insurance policies that satisfy the minimum coverage requirements in the states where it operates. The company provides the following types of coverage:

• Liability car insurance: This covers vehicle repairs and medical bills for other drivers involved in an accident where you are at fault.
• Collision insurance: This pays for repairs to your car after an accident, regardless of who is at fault.
• Comprehensive insurance: This covers repairs for damage caused by incidents other than collisions, such as theft, vandalism, or weather damage.
• Medical payments (MedPay): This is optional coverage that you can purchase to pay for your own medical bills after an accident.
• Underinsured/uninsured motorist insurance (UIM/UM): This covers your medical bills and repairs if you are hit by a driver with no insurance or insufficient insurance.

GoAuto does not offer additional coverage options such as rental car reimbursement or roadside assistance. However, it is worth asking agents if they offer extra perks such as towing coverage or rideshare insurance in your state.

GoAuto Insurance Discounts

GoAuto Insurance offers some discounts to its customers. These include discounts for:

• Good driving records
• Safety equipment in your vehicle, such as anti-lock brakes and anti-theft devices
• Good students
• Multiple cars insured with GoAuto
• Switching to GoAuto from another insurance company

However, the company's website does not mention any specific discounts, and the availability of these discounts may vary by state.

GoAuto Insurance Claims

If you need to file a claim with GoAuto, you can do so through their website, mobile app, or by calling their claims department. The claims process typically involves submitting a formal report, communicating with a claims adjuster, and an investigation of the incident. GoAuto will then determine coverage and liability based on state law and issue a claim payment or denial.

Customer Reviews and Ratings

GoAuto Insurance has mixed reviews from its customers. The company holds an A+ rating from the Better Business Bureau (BBB) but has mostly negative reviews, with an average customer score of 1.2 out of 5 stars on the BBB website. Customers have cited poor customer service and frustrations with communication as common issues.

GoAuto has also received more complaints than expected for a company of its size, according to data from the National Association of Insurance Commissioners (NAIC). The company's lack of financial strength ratings from AM Best may also be a concern for potential customers.

GoAuto Insurance Claims

GoAuto's claims process includes six steps: a formal report, communication with the claims adjuster about the incident, an investigation, an inspection of the vehicles in question, and coverage and liability determinations. Once these steps are completed, a claim payment or denial is issued.

GoAuto Insurance is committed to providing accessible customer support, with a 24-hour phone number and local offices for in-person service. However, reviews of the company's claims handling process are mixed, with some customers reporting delays and dissatisfaction with communication.

GoAuto Insurance Reviews

GoAuto Insurance is a Louisiana-based auto insurance company that offers car insurance coverage in Louisiana, Nevada, Ohio, and Texas. The company has been providing cost-effective car insurance policies since 2009 and is known for its affordable rates. GoAuto allows drivers to purchase policies directly from the company, bypassing commissioned agents, which helps keep costs low.

Pros of GoAuto Insurance

• Low-cost car insurance: GoAuto promotes itself as a provider of bargain rates, appealing to drivers looking for affordable coverage.
• User-friendly website and mobile app: Customers can conveniently access their accounts, make payments, get quotes, and report claims through the website or mobile app.
• Physical locations: GoAuto maintains physical offices where customers can receive in-person assistance and make payments.
• Flexible payment options: GoAuto offers custom payment plans, allowing customers to choose their payment dates and adjust their due dates.

Cons of GoAuto Insurance

• Limited coverage options: GoAuto primarily offers basic auto insurance policies that satisfy minimum coverage requirements. There is a lack of clarity on additional coverage options beyond the standard liability, collision, and comprehensive insurance.
• Poor customer service: GoAuto has received negative reviews from customers, citing issues with claim handling, delays in processing, and dissatisfaction with communication.
• Lack of financial strength rating: GoAuto has not been rated by AM Best for financial strength, which may be a concern for potential customers.
• Higher-than-expected complaints: GoAuto has received more complaints than expected relative to its size, according to data from the National Association of Insurance Commissioners.

Customer Reviews

GoAuto has received mixed reviews from its customers. While some praise the company for its low prices, friendly staff, and convenience, others have expressed disappointment with the claims process and customer support. Here are some customer testimonials:

"Everyone there was very kind, professional, helpful, and caring. Go Auto has the best prices to fit our needs." — Sheral Bullock, Louisiana

"Staff is always very friendly and helpful!" — Victoria Marchang, Louisiana

"Very friendly and professional men that help you right when you walk in. The company is the cheapest I've found in Las Vegas." — Angel Howard, Nevada

"THE WORST CUSTOMER SERVICE I HAVE EVER EXPERIENCED! [...] They did not honor our coverage."

"I'm at a loss for words, I CAN NOT SAY ANYTHING NICE ABOUT THIS COMPANY! [...] We were victimized and had FULL coverage insurance and yet NO HELP FROM GO AUTO."

GoAuto Insurance can be a good option for drivers in Louisiana, Nevada, Ohio, or Texas who are seeking basic and affordable car insurance. However, the company's limited coverage options, poor customer service reviews, and lack of financial strength rating may be concerning. It is recommended that drivers compare rates and reviews from other reputable companies before making a decision.

GoAuto Insurance Alternatives

GoAuto Insurance is a legitimate car insurance provider, but it may not be the best option for everyone. While it offers basic coverage options and affordable rates, it has a poor customer service track record.

USAA

USAA is a good option for military members, veterans, and their families. They offer affordable rates, impressive coverage options, and benefits such as on-base vehicle storage discounts. USAA also has positive reviews from customers and industry professionals.

Nationwide

Nationwide scored well in all categories, including pricing, industry and customer reviews, and availability. They offer usage-based and telematics insurance through the SmartRide® program, which provides lower rates for good driving habits and low mileage.

State Farm

State Farm was named the Best Customer Experience in a review of the nation's best car insurance companies. They have a wide variety of coverage options and are known for their great customer service.

It is always recommended to compare car insurance quotes from several providers to ensure you are getting the best coverage and price for your needs.

Frequently asked questions