Jane Dotson
Good2Go Auto Insurance is a company that provides car insurance coverage for high-risk drivers and those seeking minimum limits car insurance. The company was founded over 25 years ago and operates in 44 states in the US. Good2Go offers a range of discounts and has a simple premise: getting car insurance should be easy. However, Good2Go has received poor customer reviews, with complaints about inconsistent service, long claims processing times, and limited add-on coverages.
| Characteristics | Values |
|---|---|
| Type of insurance | Minimum limits car insurance, collision and comprehensive coverage |
| Target customers | High-risk drivers |
| Available in | 44 states (not available in Alaska, Hawaii, Kansas, Massachusetts, Montana and Rhode Island) |
| Discounts | Good driver, student driver, home ownership, multi-vehicle, upfront payment, policy renewal, defensive driving course, airbag and passive restraint, anti-theft system and VIN etching, continuous coverage, rental car protection |
| Customer service | Poor customer service ratings, long claims processing times, limited online presence |
| Underwriting partners | American Independent Insurance Company, Bankers Independent Insurance Company, Omni Insurance Company, Omni Indemnity Company, Personal Service Insurance Company, Infinity Auto Insurance |
What You'll Learn
Good2Go's insurance coverage
Good2Go Insurance is an auto insurance company that specializes in providing minimum-limit and high-risk car insurance to drivers. The company was founded over 25 years ago and is currently available in 44 states. Good2Go offers a range of insurance options, including liability-only insurance and high-risk car insurance.
Liability-Only Insurance
Liability-only insurance, also known as minimum coverage, is the lowest amount of bodily injury and property damage liability coverage required by the state. This type of insurance covers the other driver when you are at fault in an accident but does not cover your vehicle or your own medical expenses. State minimum limits for bodily injury liability coverage range from $10,000 to $100,000 per person, while minimum property damage liability ranges from $5,000 to $50,000 per occurrence. Some states may also require additional insurance, such as uninsured motorist coverage, medical payments, or personal injury protection.
High-Risk Car Insurance
Good2Go offers coverage to drivers who are considered high-risk, including those with multiple traffic violations, accidents, or poor credit history. This type of insurance is typically more expensive than standard coverage as high-risk drivers cost more for companies to insure. Good2Go has a few discounts specifically targeted towards high-risk drivers, such as their Cell Phone Safety discount, which encourages policyholders to ignore their phones while driving.
Other Coverage Options
In addition to the standard coverages, Good2Go offers optional comprehensive and collision coverage, as well as roadside assistance and SR-22 availability. Comprehensive and collision coverage pays to repair or replace your car if it is stolen or damaged, regardless of who is at fault. Roadside assistance includes coverage for towing, and SR-22 is a document that your state may require if you have a serious violation, such as a DUI.
Discounts
Good2Go offers a variety of discounts to its customers, including good driver discounts, student driver discounts, homeownership discounts, multi-vehicle discounts, and defensive driving course discounts. They also offer discounts for paying your premium in full upfront, renewing your policy, and having safety features like airbags and anti-theft systems in your vehicle.
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Pros and cons of Good2Go insurance
Good2Go auto insurance is a good option for high-risk drivers who have numerous accidents, tickets, or a DUI conviction on their driving records and are looking for minimum coverage policies. The company has a long list of discounts, but the policies are relatively basic, and coverage is only available in a handful of states.
Pros of Good2Go Insurance
- Specializes in covering high-risk drivers
- Available in 44 states
- Discounts available
- Won't drop coverage if drivers get a serious violation
- Offers a plethora of discounts that don't require a clean driving record
- Provides SR-22 forms
- Advertises itself as a cheap insurer
- Lightning-fast quotes
Cons of Good2Go Insurance
- Poor financial standing
- Poor customer service ratings
- Not available in all states
- No financial strength ratings to indicate the ongoing financial health of the company
- Receives significantly more complaints than the industry average
- Limited insurance policies and coverage
- Only writes car insurance policies
- No mobile app
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Good2Go's customer service
Good2Go is a car insurance company that specializes in providing the minimum coverage a driver needs to meet state laws. It caters to high-risk drivers who may have trouble getting car insurance elsewhere. Good2Go was founded on the premise that getting car insurance shouldn't be difficult. The company offers a range of discounts and has a mission to make it easy for all drivers to access fast, easy, and cheap car insurance.
Good2Go also offers a quote request service, where potential customers can submit their ZIP code and receive a quote for car insurance. This service is available online and by phone at 855-646-4661, Monday through Saturday, 8:00 a.m. to 8:00 p.m.
In addition to these contact options, Good2Go also has a presence on the Better Business Bureau (BBB) website, where reviewers can leave feedback about their experience with the company. Good2Go currently holds an A+ rating from the BBB but has received some negative reviews, with an average of 1.35 stars out of 5.
Overall, Good2Go's customer service options include phone support, an online quote request service, and a contact page with information for partner insurance companies. The company also has a presence on the BBB website, where customers can leave reviews and feedback.
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Good2Go's insurance quotes
Good2Go offers lightning-fast insurance quotes, with a no-obligation quote available in under a minute.
Good2Go is an insurance agency that provides auto insurance underwritten by several different companies. It offers a range of insurance options, including collision and comprehensive auto coverage, as well as minimum limit car insurance.
The company caters to high-risk drivers who may have trouble getting car insurance elsewhere. Good2Go offers liability-only insurance, also known as minimum coverage, which is the lowest amount of bodily injury and property damage liability coverage required by the state.
Good2Go also provides additional coverage options, such as roadside assistance and SR-22 availability.
When getting a quote from Good2Go, you will be asked to provide your ZIP code, vehicle information, and primary driver information. Based on this information, Good2Go will provide you with a list of auto insurance carriers and their respective quotes.
It is important to note that Good2Go is not available in all states, including Alaska, Hawaii, Kansas, Massachusetts, Montana, and Rhode Island.
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Good2Go's insurance discounts
Good2Go Auto Insurance is a good option for high-risk drivers who are looking for minimum limits car insurance. The company offers a range of discounts to its customers, which can help lower their monthly insurance costs. Here are some of the insurance discounts offered by Good2Go:
Good Driver Discount
If you have a clean driving record with no accidents or traffic violations, you may qualify for the Good Driver Discount. This discount can help you save between 10% to 35% on your insurance premium.
Student Driver Discount
High school and college students who maintain good grades (a B average or above) can benefit from the Student Driver Discount. This discount typically offers savings of 5% to 20% on their insurance.
Homeownership Discount
If you own a house, apartment, condo, or mobile home, Good2Go offers a Homeownership Discount, which can save you between 5% to 10% on your insurance premium.
Multi-Vehicle Discount
Insuring multiple vehicles with Good2Go can make you eligible for their Multi-Vehicle Discount. This discount can provide savings of 10% to 25% on your insurance costs.
Paid-in-Full Discount
By paying your auto insurance policy upfront in full rather than in monthly instalments, you can take advantage of Good2Go's Paid-in-Full Discount, which offers savings of around 5% to 10%.
Renewal Discount
Good2Go rewards customers who renew their insurance policies with the company by offering a Renewal Discount, helping to lower their premium.
Defensive Driving Course Discount
Completing a state-certified defensive driving course can make you eligible for Good2Go's Defensive Driving Course Discount, which can provide savings of 5% to 15% on your insurance.
Airbag and Passive Restraint Discount
Vehicles equipped with proper factory-installed seatbelts and airbags can qualify for the Airbag and Passive Restraint Discount, resulting in lower insurance premiums.
Anti-Theft System and VIN Etching Discount
If your car has a built-in anti-theft system (factory-made or self-installed) and VIN etching, you may be eligible for the Anti-Theft System and VIN Etching Discount, which offers savings on your insurance.
Prior Insurance Discount
Drivers who have had continuous coverage with another insurance company for at least six months can benefit from the Prior Insurance Discount when switching to Good2Go.
Good Student Discount
Full-time high school or college students (aged 16-25) who maintain good grades (a B average or higher) can take advantage of the Good Student Discount, resulting in lower insurance costs.
Driver's Education Discount
Young drivers (aged 24 or younger) and families with young drivers who have completed driver's education courses can qualify for the Driver's Education Discount, offering additional savings on their insurance.
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Frequently asked questions
Good2Go Auto Insurance is a company that provides car insurance coverage for high-risk drivers and those looking for minimum limits car insurance in their states.
Good2Go Auto Insurance has a variety of pros and cons. On the positive side, it specializes in covering high-risk drivers, is available in 44 states, and offers a range of discounts. However, it has limited insurance policies and coverage, poor financial standing, and negative BBB customer reviews.
The cost of Good2Go Auto Insurance varies depending on factors such as age, marital status, location, credit score, and driving history. On average, a Good2Go car insurance policy costs $2,448 annually, which is around 26% above the national average.
Good2Go offers the typical car insurance coverages, including liability, collision, comprehensive, uninsured/underinsured motorist, and PIP. They also offer towing and rental reimbursement as add-ons.
Good2Go's customer service has received negative reviews, with customers reporting issues such as inconsistent service, longer claims processing times, and limited add-on coverages. The company has a complaint index of 10.72 from the National Association of Insurance Commissioners, indicating that customers are almost 11 times more likely to file complaints compared to other insurance companies of the same size.
