Good2Go Auto Insurance Review 2020

Good2Go strives for simplicity when it comes to car insurance.

J.D. Power Rating
3/5
AM Best Rating
C+
Standard & Poor’s
N/A
SimpleScore
2.5 / 5.0
close
SimpleScore Good2Go 2.5
Discounts 2
Coverage Options 3
Customer Satisfaction N/A
Support 3
Accessibility 2

For over 25 years, the company has been an excellent option to consider if you need liability-only insurance quickly with affordable rates. Good2Go also offers comprehensive and collision policies for those who need more than liability insurance but still want a no-frills option. It’s particularly attractive to people who have a driving history that makes it hard to find affordable insurance.

In this article

    Good2Go auto insurance overview

    This provider keeps things basic. This simplicity is good if you need a quote quickly. The company claims it can provide you with a quote in under a minute. Good2Go also offers affordable monthly payments, and it has customer service available 24 hours a day, seven days a week.

    When considering Good2Go car insurance, you’ll want to see what others are saying about it. The Better Business Bureau assigned the carrier an A grade, which indicates that Good2Go does a good job in resolving customer complaints.

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      That said, the provider didn’t score among the best in customer satisfaction in J.D. Power’s survey. This survey shows how satisfied customers are in doing business with their insurance provider.

      Another aspect to consider is the company’s financial health. This is another area where Good2Go falls short. Recently, the provider requested to have its rating removed from AM Best. Before then it was a C+ rating, indicating the rating agency didn’t have much confidence in the provider’s financial health. This is important because if the provider is unstable, it might be unable to pay claims on policies.

      Where Good2Go succeeds is with offering coverage to high-risk drivers who might otherwise have a difficult time finding affordable premiums. It also offers lots of discounts that might be appealing to people wanting a simple policy with several ways to save.

      Good2Go insurance rates

      Getting a quote online with Good2Go is easy to do. You fill out your information online including your name, address, details about your automobile and your current insurance provider and coverage.

      The whole process took us two minutes to do. If you don’t live in a state Good2Go services, it’ll refer you to another provider.

      Because Good2Go is made to keep things simple and provide the minimum required coverage, insurance with the company is generally affordable.

      The Simple Dollar’s Good2Go auto insurance review

      To better understand the full extent of what they offer, we’ll break this section down by coverage options, discounts and unique features.

      Coverage options

      Good2Go specializes in liability-only car insurance. This is great if you have paid off the loan on your vehicle but still want to follow the insurance laws in your state. It can also help if other insurers are too expensive for you because of your driving history. The provider also offers comprehensive and collision insurance, which could be helpful if you’re still under a lien from a bank and require full coverage.

      Discounts

      Similar to other car insurance providers, Good2Go insurance offers discounts for safe driving. The factors they examine include your driving record, searching for any moving violations, accidents or drunk driving incidents. If you don’t have any, you could receive a discount for up to 35% off your policy premium.

      Another discount you could receive is if you had an accident or moving violation before but you’ve taken a defensive driving class after the violation. If you take and pass this course, you could receive up to a 15% discount on your policy. You can only take one class every few years, and the discount applies to only one car.

      If you plan to insure more than one car with Good2Go, you’ll also be eligible for a multi-car discount.

      Unique features

      Because Good2Go is a no-frills option, you won’t have many bells and whistles as you would with other providers. However, Good2Go does have customer service available 24 hours a day, seven days a week to assist you if you have any questions, need to make changes to your policy or file a claim.

      Good2Go’s competition

      Auto insurance is a highly competitive market with plenty of providers available to choose between. One of the most important aspects to consider is will they be there for you when you need them the most? How an insurer handles your claim determines how well they treat their customers. When thinking about this, here are some other providers to consider:

      • Amica Mutual
      • Country Financial
      • Erie Insurance
      • USAA

      The reason why we chose each is they scored really well in J.D. Power’s claims satisfaction survey. Amica Mutual earned an award for its outstanding service, receiving a five out of five overall rating in claims satisfaction.

      Both USAA and Country Financial also earned five out of five in the survey while Erie earned three out of five. What this shows is that in each instance, you’ll receive outstanding service when you need it the most.

      Considering that Good2Go or its partners did not make this survey list, it’s important to consider how well it measures up to their competitors that have much higher satisfaction ratings and are looked upon more favorably with credit-rating agencies.

      Compare Affordable Auto Insurance Rates

      Save money on auto coverage with our simple comparison tool.

      Matching you with providers.
      We found results in
      Click at least 2-3 companies to find the very best rate.

        What others are saying

        The Insurance Journal did a piece on Good2Go last year about the insurer’s Distracted Driving App through LifeSaver. How the app works is it encourages drivers to put down the phone when they’re driving. The app employs the use of telemetrics to determine phone usage when driving and assigns drivers a score based on their phone activity when behind the wheel.

        This is also the same journal that skewered Good2Go for advertising the bare minimum insurance at the lowest price, failing to neglect how this approach could result in you not having the right amount of coverage you need.

        Methodology

        SimpleScore

        The SimpleScore makes it easy to compare products and services featured here on The Simple Dollar in a transparent, open and honest way. We rate these products and services using five factors and average them to calculate a single SimpleScore. For auto insurance, we compare:

        • Discounts
        • Coverage options
        • Support
        • Customer satisfaction
        • Accessibility

        You can read more about each factor and the details of each score in our auto insurance methodology. Use our ratings and editorial recommendations as you shop for the best auto insurance that fits your coverage needs.

        Car insurance rates: We used insurance rates from Quadrant Information Services. This includes analyzing thousands of rates from all 50 states that were publicly sourced from 2019 insurer filings. Rates are based on a 30-year-old male or female that had a clean driving record. Full Coverage premiums assumed a $500 collision and comprehensive deductible, and we looked at those who had both good and poor credit. These rates should be used to inform your car insurance shopping process, but your own quote may differ.

        Why do some brands have different SimpleScores on different pages?

        To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.
        However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

        Discounts

        We looked at the number of discounts each company offers — more discounts mean a higher score.

        Coverage Options

        We awarded higher scores to the companies that have the most coverage options.

        Support

        We awarded higher scores to lenders with the most channels for customer support.

        Customer Satisfaction

        We leveraged the J.D. Power 2019 Auto Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

        Accessibility

        We looked at the level of accessibility of each company –– the more resources they have the higher their score.

        Sean Jackson

        Contributing Writer

        Sean Jackson is a creative copywriter living in Florida. He’s had work published with Realtor.com, theScore, ESPN and the San Francisco Chronicle. In his free time, Sean likes to play drums, fail miserably at improv and spend time at the beach.