Good2go Auto Insurance: Legit Or A Scam?

Good2Go Auto Insurance is a legitimate company that offers high-risk car insurance at decent prices. However, reviews of the company are mixed, with some customers praising the company's low prices and efficient service, while others complain about poor customer service, unexpected price increases, and difficulty cancelling policies. Good2Go has also received a high number of complaints relative to its size, and there are concerns about its ability to pay claims. Overall, Good2Go may be an option for high-risk drivers who are unable to find coverage elsewhere, but customers should be aware of the potential trade-offs in terms of service and financial stability.

Good2Go's customer service

On Trustpilot, Good2Go Auto Insurance has an overall rating of "Excellent", with a score of 545. The company has replied to 94% of negative reviews within a month, and customers have praised representatives such as Ellyn Fallon, Heather G, and Dale for their helpfulness and efficiency. One customer review describes Good2Go as "legit", with another commending the company for its "lovely" customer service.

However, Good2Go has also received negative reviews, with some customers reporting issues with the company's website and billing practices. One customer review describes Good2Go as "VERY UNPROFESSIONAL, RUDE and THIEVES", while another criticises the company's customer service as "terrible".

In addition to mixed customer reviews, Good2Go has also received negative reviews from industry experts. Good2Go's underwriting partners have been questioned about their ability to pay claims, with five out of nine partners receiving unfavourable ratings on their financial obligations. As a result, Good2Go has been recommended as a last resort for high-risk drivers who cannot find coverage elsewhere.

Good2Go's website and mobile app

Good2Go also offers a mobile app for its auto insurance customers, which is available on the Apple App Store and Google Play Store. The app allows users to manage their policies, file and track claims, and make payments. The app has received positive reviews from customers who find it convenient and user-friendly.

In addition to auto insurance, Good2Go also offers mobile phone plans. Their mobile phone plans are prepaid and run on the AT&T and T-Mobile networks. Good2Go's mobile phone plans are basic and do not include unlimited data or extra features like mobile hotspots. The company's mobile phone plans have received mixed reviews, with some customers praising the low prices and reliable coverage, while others complain about the lack of unlimited high-speed data and extra features.

Good2Go's quotes and pricing

Good2Go offers a no-obligation quote in under a minute, which it claims is the fastest in the auto insurance industry. The company provides a short questionnaire on its website, and if it is unable to offer you auto insurance coverage, your information is then distributed to local agents and insurance companies.

Good2Go's underwriting partners provide highly inconsistent rates, even when offering quotes for the same driver profile. As a result, your auto insurance rates can range from competitive to mediocre depending on which underwriter you get matched with. For example, if you're a good driver and Good2Go matches you with State Farm, you may find a competitive rate. However, if they match you with The General, which tends to have very high premiums, you may have a high bill.

Good2Go offers a number of discounts, although these vary since the specific discounts available are selected by each individual underwriting company. Discounts may be offered for:

• Insuring more than one vehicle
• Paying your premium in full, upfront
• Having good grades, if you or someone insured on your policy is a student
• Renewing your policy with Good2Go
• Taking a defensive driving class
• Completing a driver’s education course if you or a driver on your policy is under 24
• Avoiding accidents and traffic violations
• Having been insured at least six months in a row with your previous insurer
• Not owning a vehicle
• Driving a car with safety features like airbags
• Driving a car with a built-in anti-theft system
• Having your car's vehicle identification number (VIN) etched onto its windows, making the car less appealing to thieves

Good2Go also offers low down payments and easy monthly payment plans.

Good2Go's pros and cons

Good2Go Auto Insurance is a legitimate company that offers car insurance coverage for high-risk drivers and those looking for minimum limits car insurance in their states. Here are some detailed pros and cons of Good2Go Auto Insurance:

Pros:

• Specializes in covering high-risk drivers: Good2Go caters to drivers who may be considered high-risk, including those with a DUI record or multiple traffic violations, who may struggle to find insurance coverage elsewhere.
• Available in 44 states: Good2Go is licensed to sell insurance in all states except Alaska, Hawaii, Kansas, Massachusetts, Montana, and Rhode Island.
• Discounts available: Good2Go offers a variety of discounts, such as good driver discounts, student driver discounts, multi-car discounts, and more.
• Lightning-fast quotes: Good2Go promises to provide no-obligation quotes in under a minute, making it convenient for customers to get an idea of the costs.
• Positive customer service reviews: Some customers have praised Good2Go's customer service representatives for being informative, efficient, and helpful in straightening up their policies.

Cons:

• Limited insurance policies and coverage: Good2Go primarily offers liability-only insurance and high-risk driver coverage, which may not provide sufficient protection for some individuals.
• Poor financial standing: Good2Go's underwriting partners have received unfavorable ratings regarding their ability to meet financial obligations and pay out claims. This raises concerns about their financial stability and ability to pay claims.
• Negative customer reviews: Good2Go has a high number of negative customer reviews, with a complaint index of 23.76 from the National Association of Insurance Commissioners, indicating a high level of customer dissatisfaction.
• Inefficient comparison tool: The quotes-comparison tool on Good2Go's website requires users to re-enter their information for each quote, making it frustrating and time-consuming to compare rates.
• Issues with account access: Some customers have reported difficulties accessing their accounts through the website and mobile platforms, leading to additional fees for phone payments.

Good2Go's claims process

Good2Go's underwriting partners' ability to pay claims has also been called into question. Five of Good2Go's nine underwriting partners have received unfavourable ratings on their ability to meet financial obligations, indicating a valid concern about the underwriters' inability to pay policyholder claims.

The company's customer support team has been described as unresponsive, with a complaint index of 23.76 from the National Association of Insurance Commissioners, indicating that Good2Go customers are nearly 24 times more likely to complain about the service they receive than at a typical insurer.

Overall, Good2Go's claims process appears to be a source of significant frustration and concern for customers, with prolonged processing times and unreliable customer support.

Frequently asked questions