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It’s a privately owned company and sells directly to consumers, bypassing agencies and keeping a small staff to help reduce operating costs and, by extension, premiums.
The company focuses on auto insurance, as its name suggests, and it has no plans to offer other products.
Go Auto sells only personal auto insurance. Drivers can purchase basic liability policies for the lowest cost option or add full-coverage insurance with things like collision, comprehensive and more. You can modify the cost of your policy by changing the deductibles and limits of your coverages.
There is little policy information available on the company’s website, which is geared primarily toward encouraging visitors to get a rate quote.
You discover a few things about the coverages when obtaining a quote, however. One- you must purchase comprehensive and collision coverage together; there is no option for carrying comprehensive by itself. Two- liability limits are low: You can carry a maximum of $15,000 per person/$30,000 per incident in bodily injury liability and up to $25,000 for property damage.
There is an online quote form on the website. It’s fairly easy to navigate and asks straightforward questions, making it simple to get a quote online.
Using our standard driver profile, with the highest levels of liability insurance offered by the company, I obtained a quote for $2,435 per year, or $223 per month.
There are several payment options available, ranging from low down payments for SR-22 insurance to paying the policy all at once and multiple permutations in-between.
You can file a claim online by clicking the “Report a Claim” button on the front page. The claims report form requires general information such as your policy number, incident information and the other party’s, if any, information. Once the claim form has been submitted, you’ll be contacted by an adjuster to obtain any additional information and move the claim forward.
Go Auto has a “A” rating on the Better Business Bureau website, which is definitely a step up from the “B-” rating it had the last time we checked. There is a total of 5 complaints on this website against Go Auto, most of them regarding difficulty with their product/service.
The website Pissed Consumer had 49 complaints and reviews on this company. As with many other companies, there seems to be a high volume of complaints regarding claims processing and lack of communication.
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Although Go Auto advertises itself as a low-cost auto insurer, its rates are quite high for the quality of coverage. You can probably get better protection for the same or even a lower rate through a different company, and you’ll avoid the risk of having a claim exceed its liability limits and thus becoming your financial responsibility. For a list of companies that we recommend, visit our Best Insurance Companies page.
Compare Insurance Quotes
For a list of companies that we recommend, visit our Best Insurance Companies page.