Good2Go Auto Insurance Review: Poor Comparison Tool, Terrible Customer Reviews

Good2Go Auto Insurance Review: Poor Comparison Tool, Terrible Customer Reviews

Editor's Rating

Good2Go offers coverage to high-risk drivers, but even they should be wary of the company's terrible customer reviews and its underwriting partners' ability to pay claims.

Good for

  • Anyone who is having a tough time qualifying for a policy with other auto insurance companies

Bad for

  • Someone who wants to compare quotes without solicitation from insurance companies or agents by phone or email
  • Drivers searching for an insurance company with great customer reviews
  • Anyone who isn't willing to do extra research on their specific underwriter
{"align":"center","buttonColor":"primary","buttonIcon":"lock","buttonText":"Get a Quote","category":"auto_insurance_companies","className":"","cloudinaryImageName":"referral_logos\/us\/insurance\/good2go-1","cssNamespace":"AffiliateTileBanner","context":" in context: Review Header","disclaimers":[""],"isButtonSquare":true,"isUnavailable":false,"link":"https:\/\/www.good2go.com\/","name":"Good2Go Auto Insurance"}

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?

Editor's Rating

Good2Go offers coverage to high-risk drivers, but even they should be wary of the company's terrible customer reviews and its underwriting partners' ability to pay claims.

Good for

  • Anyone who is having a tough time qualifying for a policy with other auto insurance companies

Bad for

  • Someone who wants to compare quotes without solicitation from insurance companies or agents by phone or email
  • Drivers searching for an insurance company with great customer reviews
  • Anyone who isn't willing to do extra research on their specific underwriter
{"align":"center","buttonColor":"primary","buttonIcon":"lock","buttonText":"Get a Quote","category":"auto_insurance_companies","className":"","cloudinaryImageName":"referral_logos\/us\/insurance\/good2go-1","cssNamespace":"AffiliateTileBanner","context":" in context: Review Header","disclaimers":[""],"isButtonSquare":true,"isUnavailable":false,"link":"https:\/\/www.good2go.com\/","name":"Good2Go Auto Insurance"}

The only drivers who would benefit from Good2Go's auto insurance are those who have no other alternative due to their driving record. Good2Go's auto insurance receives a high number of negative customer reviews, and its quotes-comparison tool is inefficient. Whether you're searching for low auto insurance rates or for an insurer with great reviews, most other insurance companies would be better choices than Good2Go.

Contents

Good2Go auto insurance: unsatisfactory service, inefficient comparison tool

Good2Go Auto Insurance is a bit of a misnomer. The Atlanta-based company operates as a hybrid insurance agency and referral site. On the insurance side, Good2Go specializes in serving customers who are looking for minimum coverage (thus, their mascot MiniMo) and those who are considered high-risk drivers.

However, Good2Go is poorly reviewed by customers and industry experts alike, due to its unresponsive customer support team and its underwriting partners' questionable ability to pay claims. In fact, five of Good2Go's nine underwriting partners have received unfavorable ratings on their ability to meet financial obligations. For customers, this indicates that the underwriters' inability to pay policyholder claims is a valid concern. Therefore, Good2Go should only be used as a last resort, even for high-risk drivers.

To find out if they qualify for Good2Go Auto Insurance, drivers fill out a short questionnaire on the company's website. If Good2Go is unable to offer you auto insurance coverage, your information is then distributed to local agents and insurance companies. Those local agents then contact drivers with quotes based on the information that was provided on Good2Go's website.

Although the Good2Go site features a quotes-comparison tool, it leaves all the legwork to the user. The tool is frustrating to use, as it forces users to re-enter all the information into the questionnaire every time they want a single quote. Having to re-enter the information defeats the purpose of using Good2Go as a comparison tool in the first place. Good2Go's rates-comparison tool might be helpful for users who are looking to receive multiple quotes on the phone or by email. However, even then, drivers will have to be comfortable with being solicited by insurance companies and agents they never directly contacted.

Bottom Line: Auto insurance is too important of a product to leave in the hands of a company with a bad track record. If an insurance company fails to pay your claim, you could be responsible for damage worth tens of thousands of dollars. Even drivers who struggle to get an auto insurance policy with other companies should consider whether they're OK with paying for unreliable coverage.

Good2Go auto insurance coverage

Good2Go partners with multiple companies to provide auto insurance, meaning your coverage options will vary depending on the specific company that underwrites your policy. Below, we provide a list of Good2Go's current underwriting partners.

  • American Independent Insurance Company
  • Bankers Independent Insurance Company
  • Omni Insurance Company
  • Omni Indemnity Company
  • Personal Service Insurance Company
  • Titan Insurance
  • The General
  • Progressive
  • Infinity Auto Insurance

Most insurance companies provide a standard set of coverages to their customers, meaning that your choice of an insurance company should be selected based on other factors like rates and reviews. However, choosing an insurance company with a slightly wider selection of coverages can prove helpful in the long run. For example, if you're ever searching for coverage beyond the minimum limits, or you simply want a broader policy, you won't have to switch insurance companies to receive greater coverage.

Traditional Coverage Options Available Through Most Auto Insurance Companies

  • Comprehensive coverage
  • Collision coverage
  • Liability coverage
  • Personal injury protection
  • Uninsured/Underinsured motorist coverage

Good2Go auto insurance discounts

Unfortunately, Good2Go's discounts will vary since the discounts that are available to policyholders are selected by each individual underwriting company. To get an idea of the types of discounts that are available through Good2Go, prospective policyholders can read our review on Progressive Auto Insurance, one of Good2Go's underwriting partners.

Good2Go auto insurance quotes

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 instance, based on our sample, annual auto insurance rates from Good2Go's partners can vary by more than $1,200 for a single driver profile. Therefore, we recommend comparing your specific quote to the average car insurance rate offered in your state to ensure that you're receiving a fair deal. Below, we highlight a few annual rates offered by Good2Go's underwriting partners and the variation that exists among them.

Driver Profile
Progressive
Omni
Titan
Infinity
Maximum vs Minimum
19-Year-Old Male$2,030$2,130$3,282$2,086$1,252
30-Year-Old Female (with accident)$1,784$1,158$1,896$1,382$738
65-Year-Old Couple$724$1,120$1,112$882$396
{"alignsHorizontal":["left","right","right","right","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["Driver Profile","Progressive","Omni","Titan","Infinity","Maximum vs Minimum"],["\u003Cstrong\u003E19-Year-Old Male\u003C\/strong\u003E","$2,030","$2,130","$3,282","$2,086","\u003Cstrong\u003E$1,252\u003C\/strong\u003E"],["\u003Cstrong\u003E30-Year-Old Female (with accident)\u003C\/strong\u003E","$1,784","$1,158","$1,896","$1,382","\u003Cstrong\u003E$738\u003C\/strong\u003E"],["\u003Cstrong\u003E65-Year-Old Couple\u003C\/strong\u003E","$724","$1,120","$1,112","$882","\u003Cstrong\u003E$396\u003C\/strong\u003E"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Good2Go customer reviews, complaints and ratings

While Good2Go offers car insurance policies to most people, including those with bad driving records, in exchange for coverage, customers will have to deal with Good2Go's slow and unresponsive staff. Good2Go's reviews indicate that the company constantly fails to communicate the status of customer claims. Furthermore, reviewers complain about the difficulty involved with getting in contact with company representatives. While it's typical for an insurance company to have a few negative reviews, Good2Go has a disproportionate number that are critical of the company.

Good2Go's underwriting partners' financial uncertainty adds an additional layer of concern for customers, putting them at risk in the event of a claim. A.M. Best Rating Services, an insurance company rating agency, awarded five of Good2Go's nine underwriting partners a financial strength rating of C+ before their ratings were withdrawn. The C+ rating is reserved for insurance companies that have a marginal ability to meet ongoing obligations, such as customer claims. Overall, customers should be wary about the underwriters' weak financial positions since it could mean they are unable to meet customer claims.

Joe Resendiz

Joe Resendiz is a former investment banking analyst for Goldman Sachs, where he covered public sector and infrastructure financing. During his time on Wall Street, Joe worked closely with the debt capital markets team, which allowed him to gain unique insights into the credit market. Joe is currently a research analyst who covers credit cards and the payments industry. He earned a bachelor’s degree from the University of Texas at Austin, where he majored in finance.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

{"align":"center","buttonColor":"primary","buttonIcon":"lock","buttonText":"Get a Quote","category":"auto_insurance_companies","className":"","cloudinaryImageName":"referral_logos\/us\/insurance\/good2go-1","cssNamespace":"AffiliateTileBanner","context":" in context: Review Header","disclaimers":[""],"isButtonSquare":true,"isUnavailable":false,"link":"https:\/\/www.good2go.com\/","name":"Good2Go Auto Insurance"}