About Good2Go Auto Insurance
In business for more than 25 years, Good2Go Auto Insurance is an insurance comparison engine that’s claimed to specialize in inexpensive, minimum coverage car insurance that can “get you behind the wheel for less upfront”—although you can purchase comprehensive and collision coverage if you’d like.
In order to obtain a quote through Good2Go Auto Insurance, you’ll start by entering your zip code, vehicle information (make, model, ownership, primary use, annual mileage, etc.), and primary driver information (name, DOB, marital status, etc.).
Then, you’ll complete the quote by indicating your desired coverage level, current insurance carrier, street address, violations/accidents, additional vehicle and driver info, and more. If you’d like to leave the site and retrieve your quote at a later point, you can access it again by entering your last name, quote number, and zip code.
Sounds like an easy, straightforward quoting process, right? But when the rubber meets the road, how much value does Good2Go Auto Insurance really provide? Consider the following:
Does Good2Go Actually Sell Auto Insurance?
Have you ever driven down the road and seen a sign for an insurance agency? One where you could go in, give a licensed agent your information, and then they’ll shop around for the best auto policy price?
Well, Good2Go Auto Insurance is kind of like that, except it’s up to you to shop around for the best price. In other words, it appears that you’ll be doing all the legwork, while the company earns a commission off the sale of your policy (or the sale of your information, as we’ll discuss in a moment).
How do we know this? After entering all of our information into the appropriate quote fields on the Good2Go website, we were ultimately brought to a page where a list of auto insurance carriers was provided. Then, if we wanted to pursue a quote with a specific carrier, we had to click on the “View Your Quote” button.
However, this wording is misleading, because the reality is that after clicking on this button, you’re simply redirected to the corresponding company’s home page, where you have to start the quote process all over again from scratch.
So what is Good2Go Auto Insurance doing with the information you provide in your “quote?”
Good2Go Auto Insurance is a Lead Generator
According to a disclaimer at the bottom of Good2Go’s final quoting page:
In short, Good2Go Auto Insurance doesn’t actually provide you with an auto policy. Instead, it appears they sell your information to agents who represent a whole slew of different companies and organizations, so it’s very likely that you’ll receive a ton of phone calls and/or emails soon after submitting your information.
With this said, it appears that the company only does business in 15 states, and our first quote was not one of these. As such, in order to make sure we were covering all of our bases, we attempted to obtain a new auto quote in one of these states, although we were ultimately presented with the same third-party carrier options.
Similar Options to Good2Go Auto Insurance
Because Good2Go simply appears to be a lead generation website, despite all of their claims otherwise, there doesn’t appear to be anything especially unique about their business model.
This is because there are dozens (perhaps even hundreds) of nearly identical auto insurance lead generation companies out there, including Compare.now (in fact, it appears that Good2Go and Compare.now have partnered), Provide-Savings, US-Quote.com, Car-Insure, and many others. While many of these may not provide any more convenient quotes than Good2Go Auto Insurance, the point is that you have options.
The Good2Go Auto Insurance Claims Process
On top of the confusion surrounding their quoting process, as well as the company’s fuzzy role in providing you with an auto insurance policy, Good2Go’s claims service might leave something to be desired as well.
This is because a claims representative is only available M-F from 8a until 7:20p ET. As such, if your claim occurs outside of these business hours, you’ll be required to leave your information with the automated system and the claims rep will contact you when they return to the office.
As you might imagine, this could be inconvenient, especially if your accident occurs during the weekend and you need immediate attention (such as getting your vehicle to the appropriate repair shop, setting up a rental car, etc.).
Good2Go’s Arbitration Agreement
Finally, keep in mind that by submitting your information through the Good2Go Auto Insurance website, you’ll be automatically bound to an arbitration agreement. In the even of damages, this means your legal rights will be severely restricted, including becoming part of a trial by jury or class action lawsuit.
Do Customers Like Their Good2Go Auto Insurance Policies?
Overall, there were next to no online customer reviews for Good2Go Auto Insurance at the time of our research, although there was one complaint listed on RipoffReport claiming that money was withdrawn from a policyholder’s account after their policy was cancelled.
From a company perspective, Good2Go Auto Insurance (a subsidiary of American Independent Companies) is based out of Atlanta, GA, who held an A- rating with the Better Business Bureau based on 12 closed complaints (as of 6/23/15), most of which appeared to reference difficulty cancelling policies and/or payment issues.
Finally, Good2Go Auto Insurance is powered by EverQuote, another auto insurance lead generation company.
Good2Go Auto Insurance Pricing
As you might imagine, what you’ll pay for your auto insurance policy, whether through Good2Go or another company, depends on dozens of factors, especially any accidents and citations within the last 5 years.
With this said, Good2Go claims your auto insurance rates are guaranteed for a full calendar year, and can be paid via 3 different payment plans:
- Economy – Your down payment activates your policy, while your first installment is due 20 days later, and your second installment 17 days after that. Then, all remaining payments will be due every 30 days.
- Quarterly – Payments are due every 4 months.
- Annual – Pay for your policy in full for 1 year in advance.
Regardless of the payment plan you choose, as soon as your policy is purchased, you’ll receive instant proof of insurance via email or fax.
In order to speak with a Good2Go Auto Insurance representative, you can call toll-free at 855-646-4661.
Can Good2Go Auto Insurance Save You Money?
Chopping to the point: Without the ability to obtain auto insurance rates directly through Good2Go’s website, it’s all but impossible to discern how their prices stack up against the competition.
On top of this, it appears that the company’s basic services are duplicated by numerous other lead generation websites, with no obvious benefits over the competition (i.e. you’ll probably receive a ton of spam and sales calls).
Because of this, if you’re looking to obtain auto insurance rates as quickly as possible, we might recommend a company like The Zebra, who we’ve found offers a straightforward quoting process, lets you know exactly how they’re involved in the transaction, and claims to keep you spam-free throughout.