Going for Good Auto Insurance

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Good Auto Insurance

good auto insurance
In simple terms, auto insurance is proof of financial responsibility for owning and driving a car. You purchase it from an agency or directly from an underwriter, but you cannot expect to file claims very often. The reason is that insurance payout happens following unfortunate events such as accidents, theft, and vandalism.

States at no fault regulations
Moreover, there are only a few states that still implement the no-fault statute, meaning there will be payout even when you are liable for accidents or property damage. Another strange thing is the fact that insurance companies can cancel your policy for various reasons for example serious traffic violations or felonies, repeated offenses, DUI, lapses, and more.

Cancelation Policy
If your insurer issues a termination or cancelation of your policy, it is possible that you are now a high-risk driver. For such drivers, the possibility to get insurance coverage is very low. A good way to acquire coverage is by purchasing it from the non-standard insurance market. Good to Go Auto Insurance is a company that has been focusing on this kind of market for more than 25 years to provide affordable coverage for high-risk drivers.
high risk driver

What is the high-risk driver?

There are more than several ways to define what a high-risk driver means. Some insurance companies just use the term to represent an appropriate type of driver who do not meet the requirements to get an insurance policy. However, requirements to get insurance vary from company to company. The term can also refer to drivers who have a bigger chance of getting into accidents due to physical or psychological limitations such as reduced visibility and lack of experience.

Traffic tickets
Someone with multiple traffic tickets is probably high risk too. High-risk drivers are those with a strong tendency to file claims. For standard market insurers, more claims mean more payout, and this is not a real business. Good to Go Auto Insurance does not use your previous driving record or personal data (such as age and driving experience) to determine approval. It only requires basic personal information in the application process, so every high-risk driver is still a potential customer.
traffic tickets

High-risk classification
While it is hard to figure out a definitive description of a high-risk driver, there are some common reasons why someone is classified as high risk:

  • Having a Traffic Violation: committing a serious traffic violation puts a bad score on your driving record. A violation or involvement in an accident that causes death or severe injury is a significant factor in high-risk. Some insurance companies offer additional coverage to waive a single violation for a fee, but some other insurers do not have such a feature. If there is no way to waive a violation, chances are you are now officially high risk.
  • Being a Teen Driver: most people start to drive as teenagers. When applying for insurance for the first time, some companies will regard you as a driver with a lack of experience on the road. With not enough experience, insurers are reluctant to provide coverage.
  • DUI: this is a serious violation in most states. Driving under the influence of alcohol or drugs is dangerous for yourself and other people. It opens the door for reckless driving and grave consequences including severe injuries in case an accident happens. A driver with a DUI record is not likely to get insurance from the standard
  • Bad credit score: as unfair as it may seem, some insurers use a credit score to determine application approval. A bad credit score has correlations with the possibility of missing an insurance payment. This is not the ideal customer.
  • High-risk cars: particular car models including sport, antique, supercars, and collectibles are expensive to repair. They are also a potential target of theft, rendering them high-risk insurance customers.

Non-standard Insurance Market
If a low-risk driver can purchase insurance from the standard market, the high-risk ones can acquire the same thing from the non-standard counterpart. In many cases, the non-standard market is more expensive, but it does not mean that high-risk drivers cannot get affordable coverage. As a company that focuses on the non-standard market, Good to Go Auto Insurance still offers a broad range of discounts and several payment options to make your expenses more manageable.

Discounts types
There are three types of cuts including Driver Discount, Vehicle Discount, and Policy Discount. Each category includes various offers, allowing for more than 40% of discounts on the premium fees. Good to Go Auto Insurance also has three payment options including monthly installments, quarterly payments, and annual payment, which comes with a 31% discount. Most types of discounts from the company require only simple eligibility requirements for example completing the defensive driving course, installing safety features on the car, activating a text blocking device, and some other necessary details. For customers who own dwelling places on their lands, there are homeownership discounts.

What have the branches cover?
Another interesting fact about Good to Go Auto Insurance is that it works within a network of subsidiaries of American Independent Companies, Inc. The branches include most states in the country and Good to Go Insurance makes sure that your coverage complies with state’s laws regardless of where you live. Quotes from Good2Go Insurance are available for free and accessible from the official website of the company.
non standard insurance

Nonstandard coverage

Although Good to Go Auto Insurance is popular for its non-standard coverage, which is often associated with the state’s minimum coverage requirements, optional coverage such as Comprehensive and Collision are also available. Good to Go Insurance recommends that you also purchase both additional coverage types for better protection on the road. With the amount of saving you can get from the available discounts, adding more protection is still a manageable expense.