Review of GoAuto Auto Insurance for 2024

GoAuto Insurance takes pride in offering affordable vehicle insurance, which it does by selling products directly to customers rather than via commissioned third parties. GoAuto insurance provides basic coverage with few add-on choices. This Louisiana-based insurance provider has been able to grow its portfolio to encompass coverage in four states because to its emphasis on cost and ease of use. GoAuto has more complaints from customers than businesses that charge less, even though it is dedicated to providing exceptional customer service.

ONLY THE ESSENTIALS

GoAuto is dedicated to providing affordable vehicle insurance, and it provides basic coverage.

GoAuto prioritizes simplicity by providing the bare minimum, a select few extras, and a few savings.

GoAuto pledges to maintain cheap prices by selling insurance directly to customers instead than via commissioned salespeople. 

Continue Reading: Top Auto Insurance Providers

Purchasing vehicle insurance may be a difficult and time-consuming process. Many insurers claim to have the most competitive prices and extensive coverage; there are literally hundreds or even thousands of them. By offering in-depth and unbiased evaluations of the several insurance providers throughout the country, we want to make the comparing process less stressful. We have concentrated on GoAuto auto insurance here.

Find out all you need to know about GoAuto insurance in the information that follows to decide whether it's the best option for you. GoAuto takes pride in being a cheap vehicle insurance provider, a reputation it maintains by providing little coverage to drivers in a select few states.

GoAuto's coverage for auto insurance

GoAuto's goal since its founding in 2009 has been to save its clients money while offering top-notch customer support. Its limited state presence is due to its belief in doing business locally. It does away with commissioned agents in order to maintain affordable rates. Instead, it offers insurance to customers directly. It may provide cheaper prices to its clients as a consequence of not having to compensate its representatives for closing deals.

GoAuto does not attempt to upsell its consumers on pricey add-ons, according to its website. Instead, its representatives will work with you to determine the coverage you need in light of your driving style, minimums, and state requirements before assisting you in creating a policy. It takes great satisfaction in providing adaptable programs that you may tailor to your own requirements and financial situation.

You may get the most basic coverage with GoAuto to safeguard other drivers, yourself, and the passengers in your car in a variety of scenarios. Despite the fact that state regulations specify the kinds of auto insurance you have to buy, the firm provides the following:

Liability for Property Damage and Personal Injury. This is a basic auto insurance policy that pays for the charges of fixing your car and your medical bills if you cause an accident. This coverage is necessary for GoAuto's operations in all four states.

Protection Against Personal Injury. PIP pays for accident-related lost income, medical bills, and burial fees regardless of who is at fault.

MedPay. Medical payments coverage, as the name suggests, may assist in paying for a portion of your medical expenses that are not covered by your health insurance or the insurance of the other party.

Motorist Coverage for Underinsured and Uninsured. When you are struck by an uninsured or underinsured driver, UM/UIM kicks in to pay for your medical bills and repair costs.

Collision Coverage. Regardless of who caused the collision, this kind of coverage might assist with paying for the repairs to your car.

Comprehensive Coverage. If your automobile is damaged by vandals or outside elements like falling tree branches, your policy's comprehensive coverage can come into play.

GoAuto insurance doesn't provide many extras, and the ones it does provide aren't available in every state. For example, you might ask for towing coverage and rental reimbursement in Louisiana. (Read our "GoAuto Insurance Review" for more details).

In fact, the business provides "full coverage insurance." Comprehensive coverage is not a predetermined insurance; rather, it's a policy you create that goes above and beyond what's required by law. Usually, collision and comprehensive coverage are included.

Costs of GoAuto Insurance

GoAuto takes great satisfaction in offering "low-cost" vehicle insurance. Though a sample quotation indicates that the charges are roughly typical for the locations it services, the company does not post its pricing on its website. For example, the following expenses are associated with six months of GoAuto insurance for a 2015 Toyota Camry in New Orleans:

Complete payment for coverage: $1,736

Monthly payment for full coverage: $1,916 in total, or $319 each month

$859 is the minimum coverage paid in full.

The monthly minimum coverage payment is $967, or $161.

The yearly median cost of complete coverage is $1,381 throughout the country. Eleven of the top 14 suppliers have yearly prices that are less expensive than GoAuto's biannual ones. It's crucial to remember that GoAuto is headquartered in Louisiana. The cost of vehicle insurance in Louisiana is among the highest in the country. GoAuto could be the greatest choice when weighed against the cost of coverage offered by other Louisiana insurance providers.

Which discounts are offered for car insurance?

There are no special savings listed on the Go Auto insurance website. Customer reviews do indicate that it does provide discounts in some circumstances. The following are some examples of savings you can be eligible for with GoAuto:

Discount for a clean driving record

Discount on anti-theft devices

Discount on anti-lock brakes

Discount for multiple vehicles

discount for complete payment

GoAuto could potentially provide discounts for serving in the armed forces or for changing insurance providers.

Which states are covered by GoAuto?

GoAuto is a family-run company that supports doing business in the areas it works in. It provides coverage in just a few states due to its values:

Louisiana

Nevada and Texas

Ohio

GoAuto insurance thinks it can better serve its clients and maintain low costs by staying small, as it has promised.

How to Use GoAuto to File a Claim for Auto Insurance

GoAuto has three options for submitting a claim: over the phone, online, or via its app, which can be downloaded from Google Play and the App Store. Call 1-833-700-0000, the Go Auto insurance number, to file a claim over the phone.

Regardless of how you file a claim, the following details are required:

Your participation in filing the claim (as the insured, a claimant, the insured's attorney, etc.)

Details about how to get in touch

Date, time, number, and, if relevant, details of the police report

The insured party's GoAuto policy number

Name on the GoAuto insurance, first and last

The GoAuto insured's phone number, email address, location, and car details

Passenger details for the car owned by the GoAuto insured

The non-GoAuto member's contact details Other vehicle passenger information

Extra details about the celebration

Information on injured parties

Witness accounts

Within two business days of submitting your claim, a GoAuto representative will get in touch with you. The inquiry process starts as soon as an agent contacts you. This entails speaking with every individual involved—including any witnesses—getting police records, and checking every car. A GoAuto insurance adjuster makes a decision after the inspection and, if necessary, provides a GoAuto insurance payout.

Does GoAuto provide any more insurance products?

GoAuto does not provide any other kind of insurance. It is just a car insurance firm, as its name suggests.

GoAuto Client Contentment

GoAuto's customer rating ranges from 2.5 to 3.5 stars, depending on the source. More customers have complained about it than about insurance providers with less expensive plans. The GoAuto app has a rating of 4.0 out of 5.0 in the Google Play Store. It has a significantly lower rating of 2.8 stars out of 5.0 stars on the App Store.

GoAuto: The Essential Information

The selling feature of the Go Auto insurance firm is its capacity to provide affordable coverage by cutting out the intermediary. With collision coverage, personal injury protection, and responsibility for both property damage and physical harm, it provides a little bit more than the minimum coverage. Even yet, the extras that each state gives differ from one another. The company's steadfast dedication to staying local allows it to provide on-site support in the four states it does service.

Despite its numerous claims to fame, GoAuto is neither the most affordable nor the most sensible choice for the majority of drivers. However, it does have a few unique benefits that other carriers are unable to provide, such simplicity and flexibility. GoAuto is a firm you may want to take into consideration if you're looking for a straightforward insurance coverage from a small, approachable provider.