You may be wondering if a Good2Go car insurance policy is right for you. Good2Go offers coverage options for high-risk drivers, which can be difficult to find. We’ve done all the research so you can make the most informed decision when it comes to protecting yourself and your vehicle.
Whenever you’re shopping for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. Read on to learn more about Good2Go car insurance coverage, the company’s reputation and what customers have to say, then check out the best car insurance providers in the industry and start comparing quotes.
Overview of Good2Go car insurance
Good2Go Insurance, Inc. is an auto insurance provider specializing in providing auto insurance coverage at the minimum limits required in every state. It’s ideal for high-risk drivers – who may struggle to get coverage elsewhere – and drivers looking for basic car insurance.
Good2Go auto insurance has been around for over 25 years. Formerly known as American Independent Companies, Inc., Good2Go was born when the following subscribers came together under one brand:
- Independent American insurance company
- Apollo Casualty Company
- Independent Bankers Insurance Company
- Omni Insurance Company
- Omni Compensation Society
- Personal Services Insurance Company
Today, Good2Go caters to drivers with major violations, accidents, and DUIs on their records, as well as those just looking to meet their state’s minimum coverage requirements. In fact, these are the only plans available to drivers with Good2Go car insurance. While other insurers offer a variety of car insurance policies and types, Good2Go is limited in scope.
With a relatively simple web presence, it can be hard to know if you can trust Good2Go. Although the company is not currently accredited by the BBB, it currently holds an A+ rating.
Unlike most major car insurance companies, Good2Go does not currently have an AM Best financial strength rating. A high financial strength rating indicates a company’s ability to pay claims. Previously, AM Best gave nine of Good2Go’s underwriting partners a C+ rating, meaning the companies had marginal ability to respond to customer complaints before their ratings were withdrawn.
Coverage and cost of Good2Go car insurance
Compared to major insurance companies, Good2Go has very limited coverage options. As of 2020, the company only offers two types of insurance plans: liability-only and high-risk auto insurance. Good2Go does not provide full car insurance.
Liability-only insurance coverage is intended for drivers seeking the minimum insurance required in each state. Depending on your location, this coverage can range from $10,000 to $100,000 per person for bodily injury liability and $5,000 to $50,000 per occurrence for property damage liability insurance.
Good2Go car insurance is also available for motorists whom insurance agencies consider riskier to insure. Here are some examples of high-risk drivers:
- Drivers convicted of DUI/DWI
- Newly Licensed Drivers
- Drivers whose license has been suspended
- Young or old drivers
- People with bad credit history
- Residents of at-risk areas
- Drivers with a history of traffic violations or accidents
Although Good2Go specializes in this type of insurance coverage, high-risk drivers may still pay high rates due to their driver profile or financial situation.
While these nationwide averages from major providers are for full-coverage insurance, they can help you get an idea of who offers the cheapest auto insurance for high-risk drivers. It’s worth getting quotes from at least a few of these providers to compare with a quote from Good2Go car insurance.
Car Insurance Estimates for Drivers with Low Credit
Car insurance estimates for young drivers
Discount on Good2Go car insurance
For high-risk drivers or those looking for only the minimum coverage, Good2Go car insurance offers two sets of discounts: driver discounts and policy discounts. Your eligibility, availability and amount of rebate may vary by state and underwriting company.
If you want to lower your monthly payment with a Good2Go car insurance discount, here are your options:
You can get a quote for Good2Go online. Enter your zip code, personal information and vehicle information below, and our service will connect you with one of Good2Go’s subscription partners. With multiple subscribers, however, you may end up getting inconsistent rates despite entering the same information each time.
Good2Go Insurance Reviews
Looking at Good2Go reviews, we found that there were only negative comments and complaints on the company’s BBB page. Many of these reviews refer to delays and ineffective communication. It is common for insurance companies to have negative reviews because they deal with many customers.
“I tried to contact the company [since] April. I did my [February] payment, then had the option of not paying [March’s] due to COVID, but that my payment will be due for April. I tried to call the company since my payment was due to make a payment.
– Yamillette L. via BBB
“[I was] impossible to contact this company to add [a] vehicle, cancel [a] policy or disable automatic payment. [I] got robbed for about $300. The worst insurance company in the world.
-Zachary G. via BBB
Unfortunately, we couldn’t find any positive reviews of Good2Go insurance from customers. While this may shed a bad light on the business, remember that most of the time the people who leave reviews are the ones who are dissatisfied with their service. Just because we didn’t find any positive reviews doesn’t mean all customers are unhappy with their customer service.
In the event of an accident, you can file a Good2Go car insurance claim by phone, email or on the company’s website after logging in.
After receiving your complaint, a complaints representative will review the details and get back to you within one business day. Typically, the representative will investigate your coverage and any damages. However, the company’s process may vary from claim to claim.
The Good2Go car insurance representative should then provide you with their contact information, a claim number and an expected timeline.
Good2Go insurance technology
Although Good2Go Insurance does not offer a mobile app, it does have an easy-to-access online portal to manage your insurance policy or access claims services. You can also use the insurer’s site to make a payment on your insurance policy.
Good2Go car insurance: 3.0 stars
We rate Good2Go car insurance at 3.0 stars out of 5.0 overall. High-risk drivers and drivers who only want to meet the state’s minimum auto insurance requirements should consider requesting a quote. Good2Go’s lack of financial strength ratings (and poor past financial strength ratings), as well as negative customer reviews, make us think you might find better options.
Always be sure to compare car insurance quotes from providers in your area. The auto insurance company that offers your neighbor the best rates and coverage may not be the best one for you.
Good2Go Car Insurance Review: Recommended Competitors
We recently researched the best car insurance companies in the industry, considering each provider’s reputation, customer experience, coverage, quotes and claims processes. These are two of the vendors that came out on top, each earning 4.6 stars out of 5.0 from our review team.
State Farm is one of the nation’s leading auto insurance providers, earning favorable reviews for its extensive network of local agents, convenient digital experience, and variety of discounts available. Our State Farm Insurance review shows the provider holds an A+ rating with the BBB and performed well in customer satisfaction in the 2021 JD Power US Auto Insurance Satisfaction StudyMT.
In our review of Geico auto insurance, we named the company the best choice for all consumers due to its excellent claims response, customer service, and value. Geico also earned an A+ rating with the BBB and performed well in the JD Power Satisfaction Study. The insurer has easy-to-use online tools and a well-designed mobile app. Although its plans and discounts meet industry standards, Geico is generally considered one of the best options for cheap car insurance.
In an effort to provide accurate and unbiased information to consumers, our team of experts collects data from dozens of car insurance providers to compile rankings of the best insurers. Companies receive a score in each of the following categories, along with an overall weighted score of 5.0 stars.
- Industry Ranking: Insurers with strong financial ratings and customer-focused business practices receive the highest scores in this category.
- Availablity: We consider availability by state as well as exclusions for specific groups of drivers.
- Cover: This rating is based on the types of insurance available, maximum coverage limits and supplemental policies.
- Cost and discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in each state. Companies with lower prices and many auto insurance discount opportunities receive the highest scores.
- Customer service: We scour customer reviews and consumer feedback studies from experts like JD Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
*Data correct at time of publication.