Go To Go Auto Insurance Review

Good To Go Auto Insurance has been an innovative insurer for several decades, positioning itself as a leader in low-cost coverage. The insurer was one of the first to sell auto insurance direct online. This direct-to-consumer model allowed customers to buy a policy online, even with their smartphone in just a few minutes. This direct model allowed Go To Go savings in the millions by not hiring expensive agents and leasing costly storefronts.

For years the company grew organically, with word-of-mouth advertising by happy customers fueling a large part of its growth. In recent years, with inflation hitting the wallets of drivers, Go To Go Auto Insurance has been an affordable option and the company has realized a net gain in customers over the past three years. One of the company’s most popular coverage types is liability-only auto insurance, which starts at $69 for qualified drivers.

Go To Go Auto Insurance Rates

Go To Go Auto Insurance determines rates based on a complex algorithm that considers numerous factors:

Factor	Description
Driving Record	Past accidents and violations significantly impact rates.
Vehicle Type	The make, model, age, and safety features of the insured vehicle affect premiums.
Location	Rates vary by state and even by zip code based on local risk factors.
Age and Gender	Statistically, these demographic factors influence accident likelihood.
Credit Score	In many states, credit history is used as a factor in determining rates.
Annual Mileage	Higher mileage typically results in higher premiums due to increased exposure to risk.
Coverage Levels	More comprehensive coverage and higher limits increase rates.
Deductible Amount	Higher deductibles generally lead to lower premiums.

Go To Go emphasizes transparency in its rating process and offers detailed explanations of how different factors affect individual premiums. The company also provides various discounts to help offset rates for drivers who qualify.

Go To Go Auto Insurance Coverage Types

Go To Go Auto Insurance offers a comprehensive range of coverage types to protect vehicles and drivers:

Bodily Injury Liability: Covers injuries to others in accidents you cause.
Property Damage Liability: Pays for damage to others’ property in accidents you cause.
Medical Payments Coverage: Covers medical expenses for you and your passengers.
Personal Injury Protection: Pays for medical expenses and lost wages regardless of fault.
Uninsured/Underinsured Motorist Coverage: Protects you from drivers with insufficient insurance.
Collision Coverage: Pays for damage to your car from accidents with other vehicles or objects.
Comprehensive Coverage: Covers non-collision-related damage like theft, vandalism, or natural disasters.
Towing and Labor Coverage: Provides roadside assistance and towing services.
Rental Reimbursement: Covers rental car costs while your vehicle is being repaired.

These coverage types can be mixed and matched to create a policy that provides comprehensive protection tailored to a driver’s own unique individual needs.

Collision Coverage

Collision coverage is a crucial component of Go To Go’s auto insurance offerings:

Scope: This coverage pays for damage to the policyholder’s vehicle resulting from a collision with another vehicle or object, regardless of fault.
Deductible Options: Customers can choose from various deductible levels, typically ranging from $250 to $1000.
Rental Car Coverage: Many collision policies include coverage for rental cars while the insured vehicle is being repaired.
New Car Replacement: For newer vehicles, Go To Go may offer replacement with a new car of the same make and model if the insured car is totaled.
Diminishing Deductible: Some policies feature a diminishing deductible that reduces over time for claim-free driving.

Go To Go’s collision coverage is designed to provide peace of mind and financial protection in the event of an accident. The company’s claims process for collision damage is streamlined to ensure quick repairs and minimal inconvenience to the policyholder.

Comprehensive Auto Insurance

Comprehensive coverage from Go To Go protects against a wide range of non-collision-related incidents:

Covered Perils: This includes theft, vandalism, fire, natural disasters, falling objects, and damage from animals.
Glass Coverage: Many comprehensive policies include full glass coverage with a low or no deductible.
Custom Equipment: Coverage for aftermarket additions can often be included in comprehensive policies.
Towing and Labor: Some comprehensive policies include roadside assistance and towing coverage.
Rental Reimbursement: Coverage for a rental car if your vehicle is being repaired due to a comprehensive claim.

Go To Go’s comprehensive coverage is highly customizable, allowing policyholders to tailor their protection to their specific needs and concerns. The company also offers guidance on determining appropriate comprehensive coverage levels based on factors like vehicle value and local risk factors.

Liability Protection

Liability protection is a fundamental component of Go To Go’s auto insurance policies:

Bodily Injury Liability: Covers medical expenses, lost wages, and legal costs if the policyholder injures someone in an auto accident.
Property Damage Liability: Pays for damage to other people’s property caused by the insured vehicle.
Legal Defense: Go To Go provides legal representation if a policyholder is sued as a result of a covered auto accident.
Split Limit vs. Combined Single Limit: Customers can choose between split limit policies (separate limits for bodily injury and property damage) or combined single limit policies.
Excess Liability: For added protection, Go To Go offers umbrella policies that extend liability coverage beyond standard auto policy limits.

Go To Go emphasizes the importance of adequate liability coverage to protect assets and future earnings. Their agents work with customers to determine appropriate liability limits based on individual financial situations and risk profiles.

Go To Go Coverage Limits

Go To Go Auto Insurance provides flexible coverage limits to meet various needs and state requirements:

Minimum Liability Limits: Options that meet state-mandated minimum coverage requirements.
Recommended Limits: Suggested coverage levels based on individual circumstances.
High-Limit Options: Increased protection for high-value assets or high-risk situations.
Umbrella Policy Integration: Options to extend coverage limits through umbrella insurance.
Custom Limit Setting: Ability to set specific limits for different coverage types.

Customers are encouraged to work with agents to determine appropriate coverage limits based on their assets, risk tolerance, and legal requirements.

Go To Go Insurance Deductibles

With the goal of helping customers balance their premium costs with out-of-pocket expenses, Go To Go offers a variety of deductible options:

Standard Deductibles: Typical options range from $250 to $1000 for collision and comprehensive coverage.
High Deductible Plans: For those willing to assume more risk, higher deductibles (up to $2500 or more) are available in exchange for lower premiums.
Vanishing Deductible: Some policies feature a diminishing deductible that reduces over time for claim-free driving.
Separate Deductibles: Go To Go allows different deductibles for comprehensive and collision coverage.
Deductible Savings Account: The company offers guidance on setting aside funds to cover potential deductibles.

Go To Go’s reps help customers understand the trade-offs between higher deductibles and lower premiums, ensuring that policyholders choose a deductible level that aligns with their financial situation and risk tolerance.

Go To Go Auto Insurance Policy Terms

Below are the flexible policy terms that Go To Go Auto Insurance offers to suit diverse customer needs:

Standard Six-Month Policies: Most auto policies are issued for a six-month term, allowing for more frequent rate adjustments and policy reviews.
Annual Policies: Some customers prefer the stability of a 12-month policy term.
Month-to-Month Options: In certain cases, Go To Go may offer month-to-month policies for temporary coverage needs.
Policy Cancellation: Customers can cancel their policy at any time, with any unused premium typically refunded.
Mid-Term Changes: Go To Go allows policy adjustments during the term, such as adding or removing vehicles or changing coverage levels.
Renewal Process: Policies are generally set to auto-renew, but customers are notified in advance of any changes or rate adjustments.

Go To Go Car Insurance emphasizes transparency in its policy terms, ensuring that customers understand their rights, responsibilities, and options throughout the policy period.

Go To Go Offers Several Bundling Options

The table below shows the policy packages offered by Go To Go Insurance to provide comprehensive coverage and potential savings:

Insurance Bundle	Description
Auto + Home	Combine auto and homeowners insurance for a unified protection package.
Auto + Renters	Pair auto insurance with renters coverage for apartment dwellers.
Multi-Vehicle	Insure multiple cars under one policy for streamlined management and discounts.
Auto + Life	Add life insurance to your auto policy for complete family protection.
Business + Personal Auto	Combine personal and commercial auto policies for entrepreneurs.

Bundling often results in significant discounts and the convenience of managing multiple policies through a single provider.

Comparing Go to Go Auto Insurance Policies

To help potential customers make informed decisions, Go To Go Auto Insurance offers tools and resources for policy comparison:

Online Comparison Tool: Allows users to compare Go To Go policies with competitors.
Coverage Checklist: Provides a standardized list of coverages to compare across different insurers.
Price vs. Coverage Analysis: Helps customers understand the balance between cost and protection.
Competitor Price Matching: In some cases, Go To Go may match or beat competitor prices for similar coverage.

These comparison resources aim to demonstrate the value proposition of Go To Go policies while empowering customers to make the best choice for their needs.

Go To Go Auto Insurance Reviews

Trust Pilot gives Go To Go a 4.8 out of five stars based on over 3,600 reviews. This shows the company has excellent overall ratings and the customers like their coverage, prices, and customer service.

Go To Go also has an A.M. best rating of A, which demonstrates they are in a strong financial position. The insurer responds to both positive and negative reviews, demonstrating a commitment to customer satisfaction and continuous improvement. While individual experiences may vary, overall trends in customer reviews provide insights into the company’s overall strengths.

Go To Go Auto Insurance for New Drivers

Recognizing the unique needs of new drivers, Go To Go Auto Insurance offers specialized options:

Teen Driver Programs: Tailored policies for young drivers with competitive rates.
Parent-Teen Driving Contracts: Tools to encourage safe driving habits among teens.
Student Discounts: Savings for good grades and completion of driver’s education courses.
Graduated Driver Licensing Support: Coverage that aligns with state-specific GDL programs.
Safety Course Discounts: Incentives for completing additional driver safety training.

These offerings aim to make insurance more accessible and affordable for new drivers while promoting safe driving practices.

Go To Go Car Insurance Online Calculator

Go To Go Auto Insurance provides a helpful online calculator tool to help potential customers estimate their insurance costs:

Input Fields: Users enter details about their vehicle, driving history, and desired coverage.
Real-Time Estimation: The calculator provides instant premium estimates based on the information provided.
Customization Options: Users can adjust coverage levels and deductibles to see how they affect premiums.
Discount Integration: The tool factors in potential discounts based on user inputs.
Comparison Feature: Allows users to compare different coverage options side-by-side.

This calculator serves as a valuable resource for budget planning and understanding the factors that influence insurance rates.

The Final Word On Go To Go Auto Insurance

With auto insurance rates rising faster than the overall rate of inflation in recent years, Go To Go Auto Insurance has been one of the few insurers that still offers affordable rates for liability, collision, and comprehensive coverage.

Go To Go Auto Insurance not only provides low-cost coverage but also customer service representatives who are committed to every customer. This is one of the reasons why Go To Go has a 4.8 overall customer service rating from Trust Pilot.

For drivers looking to save money, they should consider getting a free quote from Go To Go Auto Insurance. The company’s easy-to-use website gives rate estimates in about four minutes. Get your personalized quote today and save more money on the coverage you need.