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Good2Go Insurance: Review, Coverage Options, and Ratings

Good2Go Insurance Review 2020


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2.5 Rating from The Zebra

Good2Go Insurance offers car insurance options for the non-standard market, which includes drivers who could have a tough time finding coverage from other car insurance companies. Car insurance is the only offering from the company, which specializes in providing affordable minimum coverage for those who need it. 

Find below our complete Good2Go Insurance review, including info on the discount insurance company’s customer service reputation, finances, and coverage options — all current as of 2020.


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JD Power Rating — Not Rated 

Financial strength — Not Rated: In 2017, Good2Go requested to no longer participate in AM Best's financial rating program, meaning the company is currently unrated. Before this, the company's financial ratings had been falling and were seen as negative.  

NAIC Rating — Poor: Good2Go Insurance receives far more complaints than the average among top insurance providers, according to the National Association of Insurance Commissioners.

JD Power Rating — Not Rated 

Financial strength — Not Rated: In 2017, Good2Go requested to no longer participate in AM Best's financial rating program, meaning the company is currently unrated. Before this, the company's financial ratings had been falling and were seen as negative.  

NAIC Rating — Poor: Good2Go Insurance receives far more complaints than the average among top insurance providers, according to the National Association of Insurance Commissioners.

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Good2Go auto insurance coverage options

The car insurance options offered by Good2Go are well-suited to high-risk drivers who might struggle to get insurance elsewhere. While the coverage provided may not be as robust as those offered by larger insurers, it can keep drivers road-legal. 

Auto insurance coverage options from Good2Go include: 

  • Minimum liability limits
  • Collision coverage
  • Comprehensive coverage

Along with these more standard insurance options, Good2Go also provides the following:

SR-22: Good2Go can help drivers obtain SR-22s if they have a record of serious infractions such as DUI/DWI. An SR-22 is a certificate from an insurance company that must be filed with the state. 

 

How does Good2Go insurance work?

Good2Go operates in a different manner than most insurance companies. In addition to underwriting its own policies, Good2Go partners with a number of carriers to provide auto insurance coverage. Essentially, if Good2Go is unable to insure you, the company passes your information to its partner companies. These companies will approach you with insurance quotes, either by phone or email.

While the company offers its own policies to customers over the phone and online, there’s a chance that your policy may come from one of Good2Go's partner companies. The following companies operate under the Good2Go brand: 

  • American Independent Insurance
  • Apollo Casualty
  • Bankers Independent Insurance
  • Delphi Casualty
  • Omni Indemnity
  • Omni Insurance
  • Personal Service Insurance

The company also refers customers to outside partners, many of which specialize in providing coverage to high-risk drivers. If Good2Go doesn’t provide you a policy, your information can be passed along to other insurance providers who can reach out to you to solicit your business. Essentially, when you sign up with Good2Go, you are not guaranteed a Good2Go policy. It’s entirely likely that your policy will be fulfilled by a completely different insurance carrier. 

 

Good2Go auto insurance driver discounts

Good2Go offers ways to save money on your car insurance premium. Although Good2Go is already known for its low insurance rates, the following options can lead to even cheaper monthly premiums. Keep in mind these discounts may vary by state.

Driver's Education Discount:Family members aged 24 and under can earn a driver's education discount of up to 10% by completing a driver's education course.

Defensive driving course:If you take and pass a state-certified defensive driving course, you can earn a discount of between 5% and 15% on certain coverages.

Good driver:Most insurance providers offer some form of savings for good driving. Good2Go offers significant savings for those who remain free of at-fault accidents or driving infractions. By keeping your driving record clean, you can receive a discount between 10% and 35% on average.

Student driver:Teenage drivers often incur higher insurance rates. However, parents with teenage drivers can find savings for students aged 16-24 who maintain a B average or above. Average savings usually fall between 5% to 20%. 

Cell Phone Safety Discount: For those who can prove the purchase of a text-blocking app for when they are driving, Good2Go offers a 5% discount for qualified drivers in Alabama, Connecticut, Delaware, Georgia, Illinois, Indiana, Mississippi, Missouri, New Jersey, Pennsylvania, and South Carolina. 

Non-Owner Discount:Those who frequently rent or borrow cars may qualify for a non-owner discount on a non-owners policy of up to 25%.

 

Auto policy discounts with Good2Go

Homeownership: Those who own homes, condos, or mobile homes could see discounts on their car insurance policies that typically average about 8%.

Multi-vehicle: Insuring multiple vehicles on the same policy could lead to significant savings of up to 31%. 

Paid in full: Paying your premium in a lump sum could save you upwards of up to 31%.

Renewal discount: Being loyal to your car insurance company could lead to 3% to 5% savings if you’ve had continuous coverage and remained claim-free. 

Prior Insurance Discount: Motorists with at least six months of continuous coverage with their current auto insurance company can qualify for a prior insurance discount of up to 40% on most coverages.

 

Vehicle discounts

Discounts for airbags and passive restraint: A car with full-front seat airbags or a passive restraint system could save you up to 5% on your auto policy.

Anti-theft system: With security features like an anti-theft system or VIN etching, you could save up to 5% on comprehensive coverage.

 

Good2Go auto insurance reviews: is Good2Go right for you?

An auto insurance policy from Good2Go Insurance can provide the state-mandated minimum limits of car insurance. Still, there are features about Good2Go Insurance that could give some customers pause, including the provider's less-than-stellar financials. Furthermore, customer reviews and the NAIC complaint ratio suggest policyholders may be left nonplussed by the company’s customer service. It’s always a good idea to do research and check out customer reviews first-hand to get an idea of what to expect as a policyholder.

Just because Good2Go focuses on non-standard drivers doesn’t mean they provide the most comprehensive coverage or the cheapest insurance rates. When looking for cheap car insurance, it never hurts to search for multiple insurance quotes to get a snapshot of the types of coverage available. You may find insurance policies that offer better coverage at lower rates.

To some degree, Good2Go works as a quote comparison site. However, its scope is limited to the handful of carriers with which it partners, and customers may be put off by being approached by multiple insurance companies.The Zebra, on the other hand, provides quotes from dozens of insurance carriers at once, giving you a wide array of coverage options without sharing your contact information.

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.

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