Is Good2Go Auto Insurance Legit?

Last Updated on July 21, 2020

If you are like most people, you have not heard of Good2Go Auto Insurance. Even if you caught wind of this auto insurance provider, you probably do not know much about it. Good2Go Auto Insurance takes pride in providing customers with affordable auto insurance. This coverage is geared toward those who desire minimal coverage at an affordable rate. Let’s take a look at whether Good2Go is worth your business.

An Overview of Good2Go Auto Insurance

good2go auto insuranceGood2Go Auto Insurance is not the same as “Good To Go Insurance”. The two companies are completely distinct from one another. Good2Go Auto Insurance claims to have been in business for nearly three decades. However, this company is a wing of a much older insurance business known as Independent Insurance Investments, Inc. They also do business under the names: American Independent Insurance Company, Apollo Casualty Company, Bankers Independent Insurance Company, Omni Insurance Company, Omni Indemnity Company, and Personal Service Insurance Company.

Take a look at the Good2Go Auto Insurance website and marketing materials and you will find the company’s aim is to insure drivers’ cars at the cheapest possible rate. This approach has its fair share of positives and negatives. Insuring automobiles at a rock-bottom rate means the company primarily provides liability coverage.

Liability coverage is the most affordable form of auto insurance protection. If you strike another driver’s car, your liability coverage will kick in to cover the cost of the damage inflicted on the other vehicle yet not cover the repair costs of your vehicle. However, Good2Go is also willing to provide auto insurance quotes for comprehensive and collision insurance in addition to liability coverage. The question is whether you are interested in expansive auto insurance coverage and how much you are willing to pay.

Convenient Quotes

Good2Go provides customers with the ability to complete auto insurance paperwork on the web. This convenient process ensures customers can be insured quicker than otherwise would be possible with a more conventional auto insurer. Good2Go deserves accolades for making it as easy as possible to obtain an auto insurance quote.

Can Good2Go Insurance be Trusted?

In short, yes, but be wary. Good2Go has a solid A rating with the Better Business Bureau (BBB). Good2Go was accredited by BBB back in May of 2015 so a considerable amount of time has passed to give the company ample opportunity to prove its legitimacy. In fact, Good2Go is on par with GEICO, Nationwide, and State Farm in the context of BBB ratings. The aforementioned insurers received A+, A- and A+ BBB ratings, respectively.

Unfortunately, Good2Go has also started to rack up BBB customer complaints over the years. On the BBB website, customers often complain about Good2Go’s customer service and its claims filing process.

Another issue is that Good2Go isn’t rated by AM Best. This is because Good2Go simply isn’t big enough as a company to warrant a rating. Good2Go’s underwriting partners, however, do have reviews from AM Best, and nine of them have troublesome C+ ratings.

Good2Go Insurance Customer Concerns

Take a close look at Good2Go’s profile on the BBB website and you will find some negative reviews. A handful of customers have complained about the company’s customer service and practices. Keep digging and you will find additional negative reviews posted to other online portals such as Yelp and Consumer Affairs. In particular, apart from customer service and claims filing complaints, customers have commonly complained of unanticipated rate hikes and fees. However, those who take the time to fully understand the entirety of their auto insurance plan prior to acquiring coverage are well aware of such fees and the potential for rate hikes.

Good2Go’s Limited Availability

Plenty of drivers have not heard about Good2Go simply because the auto insurance provider’s coverage is limited to drivers in specific states. Those who reside in Kansas, Montana, Hawaii, Alaska, and Massachusetts will not be able to acquire Good2Go auto insurance as the company is not licensed to operate in these states.

Good2Go Discounts

Good2Go has more than its fair share of discounts. As an example, discounts are available for those who pay in full, those who insure multiple vehicles through the company, those who have demonstrated academic merit, those who complete a defensive driving course, homeowners, and driver’s education participants.  There is even a discount for cell phone safety to boot. Drivers who install a device in their vehicle to block text messages will receive a 5% policy discount.  There is also an anti-theft discount available to those who opt for comprehensive coverage.

Good2Go Discounts List
Multiple Vehicle DiscountsAnti-Theft Device DiscountsGood Student Discounts
Safe Driver DiscountsLow Mileage DiscountsSenior Citizen Discounts
Vehicle Safety DiscountsHomeowner DiscountsPolicy Bundling Discounts
Hybrid / Electric Vehicle DiscountsNewly Married DiscountsPaid In Full Discounts
AutoPay DiscountsAffinity DiscountsOrganization Discounts
Multi-Vehicle DiscountsDefensive Driving Course DiscountsCell Phone Safety Discounts

Good2Go’s Flexible Payment Plans

Hop on the web to check out Good2Go’s aggregation tool and you will find three payment plans: annual, quarterly, and economy.  If you pay upfront for the yearly plan, you will receive the discount noted above. However, you can still pay by the month with the economy plan if desired.  Select the option best for your unique budget and you will likely be pleased with your Good2Go auto insurance coverage.

Final Word – Good2Go Review

To recap, let’s take a look at the pros and cons of Good2Go’s auto insurance:

Good2Go ProsGood2Go Cons
Wide range of insurance discounts availableMany complaints to state insurance regulators
Offers SR-22 insurance to drivers that need itConcerns about financial stability
Sells insurance to high-risk driversLots of poor customer reviews
Convenient "all online" quoting systemHistory of fines and penalties from state insurance regulators
Not available in every state
Rideshare coverage not available
Limited range of policies and coverage types

If you are looking for an insurance company with decades of great customer reviews and rock-solid financial stability, Good2Go might not be the best insurer to go with. In that case, you might be better off buying insurance from one of the larger, more established insurance companies in America. If you have had trouble getting coverage from some of the more well-known providers because of a bad driving record or low credit score, Good2Go is worthy of a look. Please visit Good2Go’s website, or call them up, to get a quote from Good2Go today.

Good2Go Contact Information
Address2018 Powers Ferry Rd SE STE 400
Atlanta, GA 30339
Customer Service Phone(888) 303-3430
Website URL
Website Contact URL
James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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