AutoInsurance.com
December 7, 2022

Good2Go Auto Insurance Review 2022

Is Good2Go the right insurance for you?

Good2Go Insurance specializes in minimum limits insurance and high-risk auto insurance, which it sells online and over the phone. The company has a unique business structure that sets it apart from traditional insurance providers — it acts both as an insurance carrier and a broker for other car insurance companies. Keep reading for our full analysis of Good2Go’s insurance offerings.

Good2Go Car Insurance Key Takeaways

Who It’s Best For

  • High-risk drivers who struggle to find coverage elsewhere: Drivers who have been classified as high-risk because of driving history, age, location, or other reasons struggle to find affordable auto insurance. Good2Go specializes in high-risk car insurance, offering low down payments on high-risk insurance plans.
  • Drivers looking for flexible payment options: Good2Go offers a variety of convenient payment plans.

Who It’s Not Best For

  • Drivers who prioritize convenient customer service: Many online complaints about Good2Go center on the difficulty of reaching the company’s customer service agents and of getting in touch with the partner companies that provide its insurance. Its NAIC complaint index has improved in the last year, however.

Pros and Cons of Good2Go Auto Insurance

Pros

  • Convenient SR-22 filing: Good2Go advertises quick and easy SR-22 documentation. High-risk drivers may be required to file SR-22s with their state’s Department of Motor Vehicles, but the certificates can be expensive and inconvenient to obtain. If you need SR-22 documentation and purchase a Good2Go Direct policy, Good2Go will email or fax you proof of insurance while you wait for your paper copy to arrive by mail. The company will also take care of sending all of the necessary documents to your state’s DMV directly.

  • Specializes in high-risk auto insurance: Unlike many other insurance companies, Good2Go specializes in non-standard auto insurance, more commonly referred to as high-risk auto insurance. This means that it is committed to fulfilling the specific needs of high-risk drivers in a way that other insurance companies may not be.

    According to Joe DeLago, the CEO of Good2Go, “If you have received a DUI, your coverage is not dropped. Good2Go Insurance, Inc. specializes in selling low-cost auto insurance to individuals like you who have been classified as high-risk drivers.”1

Cons

  • High number of complaints: The National Association of Insurance Commissioners and the Better Business Bureau both display a high number of complaints against Good2Go, many of which focus on issues with customer service.

  • No mobile app: Good2Go does not offer a mobile app for its own policies. Customers who want to manage their policies or file claims online should log into Good2Go’s MyPolicy portal. The portal’s desktop format may not be compatible with all mobile devices, which makes it difficult for customers to use on the go. Customers who purchase insurance from other companies through Good2Go’s brokerage may be able to use that company’s mobile app.

About Good2Go

The brand name Good2Go refers to both the insurance carrier Good2Go Auto Insurance, and to an insurance broker of the same name which sells insurance policies from these eight other companies:

  • Arrowhead General
  • Bristol West
  • Dairyland
  • The General
  • Infinity
  • National General
  • Plymouth Rock
  • Progressive

CheckTHE MORE YOU KNOW:

Do you know the difference between a broker and an agent? Though both can help you buy insurance policies, the most basic difference is that insurance agents work on behalf of an insurance company, while brokers work on behalf of a consumer.

What Does Good2Go Cover?

Good2Go’s own auto insurance brand offers the following types of insurance. If you’re looking for more coverage such as medical payments coverage or gap insurance, Good2Go can match you with one of the eight other companies it represents to get the right coverage for your needs.

  • Minimum limits insurance: Good2Go’s company focus is on minimum limits insurance, which means it offers the minimum amount of liability insurance a state requires and nothing more. Minimum limits coverage is cheaper than other insurance options, but it does not cover all of the potential costs of an accident. For example, minimum limits insurance may cover injuries and damages to the other parties involved in an accident, but it won’t pay for your own costs.
  • Collision insurance: If you’re found to be at fault in an accident, collision insurance may pay for repairs to your car. Collision coverage goes beyond the scope of minimum limits insurance, which does not cover your own vehicle.
  • Comprehensive insurance: Comprehensive insurance covers many types of damages to your car that happen because of something other than an accident. Incidents can include theft, vandalism, and weather damage.

What Will My Auto Insurance Rate Be?

Our AutoInsurance.com market analysis indicates that the average annual auto insurance rate from Good2Go is $2,040 per year.

As with many other elements of Good2Go’s coverage, your rate depends on which of the brands provides your policy. Many factors affect car insurance rates, including your age, credit score, the area where you live, the model, year, and safety rating of your vehicle, and your previous driving history.

Your coverage options, such as whether you add on additional car insurance coverage like comprehensive coverage not legally required by your state, will also affect the cost. Get quotes from multiple auto insurance companies to see which one is cheapest, from Good2Go to State Farm.

Discounts

Good2Go’s discounts vary significantly because of the company’s structure. Each of the eight providers under the Good2Go insurance brand has its own approach to discounts. They may offer different amounts of savings and require different qualifications to be eligible for its discounts. We’ve compiled some discounts available from Good2Go’s own insurance brand and its brokerage brands below:

  • Good driver discounts: If you have a clean driving record without a recent history of accidents or traffic violations, you can save between 5 and 15 percent on your Good2Go policy.
  • Homeownership discounts: Owning your own house, apartment, condo, or mobile home could qualify you to save between 5 and 10 percent.
  • Multi-vehicle discounts: You and your family can insure multiple cars with Good2Go for savings between 10 and 25 percent.
  • Paid in full discounts: If you pay for your Good2Go auto insurance policy upfront rather than in monthly increments, you could save 5 to 10 percent.
  • Defensive driving course discounts: Submitting proof that you completed a state-certified defensive driving course could save you between 5 and 15 percent.
  • Driver’s education discounts: If you’re a driver aged 24 or younger, you could save up to 10 percent for completing a driver’s education course. You could even earn this discount for your family’s insurance plan.
  • Student driver discounts: If you are a high school or college student between the ages of 16 and 25, maintaining a B grade average or above could save you between 5 and 20 percent.
  • Airbag and passive restraint discounts: Vehicles with proper, factory-installed seatbelts and airbags can earn you an up to 5 percent discount on your medical payments coverage.
  • Anti-theft system and VIN etching discounts: Vehicles with built-in anti-theft systems (either factory-made or self-installed) can save you up to 5 percent.
  • Prior insurance discounts: If you have had at least six months of continuous auto insurance coverage with another insurance provider, you could save up to 40 percent.
  • Renewal discounts: If you’re a current Good2Go customer, you could save 3 to 5 percent by extending your policy.
  • Non-owner discounts: You can save up to 25 percent on insurance if you are borrowing or renting a car and insuring it through non-owner insurance.

Availability

As of October 2022, Good2Go auto insurance is available in Washington, D.C., and in every U.S. state except Alaska, Hawaii, Kansas, Massachusetts, Montana, and Rhode Island.

Good2Go Customer Service

Because Good2Go can match you with any one of its insurance providers, you might find it difficult to figure out where your coverage comes from and how best to contact that company. Some online complaints about Good2Go reflect customers’ frustrations with not being able to find out the name and specific policies of their actual insurance company after an accident. Always read your insurer’s policy declarations page for detailed information on your policy, but here is the contact information for the providers Good2Go offers:

Insurance company Mailing address Telephone Web
Arrowhead General 701 B St., Suite 2100

San Diego, CA 92101

800-545-7742 https://customer.arrowheadauto.com/
Bristol West P.O. Box 31029

Independence, OH 44131

888-888-0080 https://www.bristolwest.com/
Dairyland P.O. Box 8034

Stevens Point, WI 54481

800-334-0090 https://my.dairylandinsurance.com/web/login
The General 2636 Elm Hill Pike #510

Nashville, TN 37214

866-519-7422 https://www.thegeneral.com/mypolicy/welcome.htm
Good2Go P.O. Box 1890

Blue Bell, PA 19422

800-777-6664 https://mypolicy.good2go.com/account/login
Infinity 3700 Colonnade Parkway

Birmingham, AL 35243

800-463-4648 https://connect.infinityauto.com/en/login.jsp
National General P.O. Box 3199

Winston-Salem, NC 27102

877-468-3466 https://nationalgeneral.com/about-us/contact-us/
Plymouth Rock P.O. Box 55165

Boston, MA 02205

877-725-6423

 

https://ci2.plymouthrock.com/eservice/#/login
Progressive 300 North Commons Blvd.

Mayfield Village, OH 44143

800-776-4737 https://www.progressive.com/manage-policy

Mobile Apps and Online Features

Good2Go does not currently offer a mobile app. Its website includes a customer MyPolicy portal, which its customers can use to make payments, file claims, and manage their auto insurance policies. Check out the portal here: https://mypolicy.good2go.com/account/login.

For customers who purchased policies from other insurance companies through Good2Go, use that insurance provider’s mobile app, if it has one.

CheckFYI:

Some Good2Go customer complaints mention that its portal is not compatible with all mobile devices. Use the desktop version of the site for the best experience.

Third-Party Ratings

  • National Association of Insurance Commissioners: According to the complaint index of the National Association of Insurance Commissioners (NAIC), the regulatory body which sets the standards and best practices for insurance companies throughout the U.S., Good2Go has received an unusually high number of confirmed complaints. In 2021, NAIC rated Good2Go’s complaint index as 14.96, meaning that Good2Go customers were nearly 15 times more likely to submit complaints than customers of other similarly-sized insurance companies.2 This rating improved significantly from 2020, when Good2Go’s NAIC complaint index was 48.39.
  • Better Business Bureau: The Better Business Bureau gives Good2Go an A+ rating, and Good2Go’s accreditation status is pending. The company’s average customer rating on the BBB website is 1.45 out of five stars.3

    Many Better Business Bureau customer complaints against Good2Go mention the difficulty of canceling their policies. Customers express frustration with not being able to get through to their specific insurers in order to cancel their policies or finding out that Good2Go never received notice of cancellation from the subsidiary company and has continued billing them. Good2Go now lists its contact information more clearly on its website, however, making it easier for customers to get in touch with the right company.

Company History

Good2Go has nearly three decades of experience in the automobile insurance industry. It was founded in 1992 under the name American Independent Companies, Inc (AICI).

In 2011, AICI launched Good2Go Direct Insurance, advertised as a new brand specializing in selling affordable high-risk auto insurance. In 2016, American Independent Companies, Inc changed its name to Good2Go Auto Insurance, consolidating Good2Go Direct Insurance and seven other companies together under the brand name Good2Go Insurance, Inc.

Other Insurance Good2Go Provides

While Good2Go itself does not offer any types of coverage other than auto insurance, in 2021, the company announced a new initiative to provide its customers with a greater variety of insurance options. Good2Go works in tandem with Bindable, an insurance technology company with a proprietary platform that allows customers to bundle their Good2Go auto insurance with policies from other providers. Good2Go and Bindable advertise discounted rates for bundling multiple types of insurance. Check the table below to see what other types of insurance Good2Go and the companies it represents have to offer.

Insurance company Other insurance offered
Arrowhead General
  • Earthquake
  • Fire
  • Homeowners
  • Umbrella
Bristol West
  • Commercial auto insurance pilot program available in some states
Dairyland
  • Motorcycle
  • Off-road vehicle
The General
  • Boat
  • Business
  • Commercial auto
  • Health
  • Homeowners
  • Life
  • Motorcycle
  • Motor home
  • Pet
  • Phone
  • Renter’s
  • Travel trailer
  • Worker’s
Good2Go
  • Flood
  • Homeowners
  • Legal
  • Life
  • Motorcycle
  • Pet
  • Renters
  • Travel
Infinity
  • Boat
  • Classic car
  • Commercial auto
  • Flood
  • Homeowners
  • Life
  • Mobile home
  • Motorcycle
  • Off-road vehicle
  • Renters
  • RV
  • Umbrella
National General
  • Collections
  • Commercial auto
  • Flood
  • Homeowners
  • Motorcycle 
  • Renters
  • RV
  • Umbrella
Plymouth Rock
  • Commercial auto
  • Homeowners
  • Motorcycle
Progressive
  • Boat
  • Business
  • Car shopping
  • Classic car
  • Commercial auto
  • Dental
  • Electronic device
  • Flood
  • Golf cart
  • Health
  • Homeowners
  • ID theft
  • Life
  • Mechanical repair
  • Mobile home
  • Motorcycle
  • Off-road vehicle
  • Online banking
  • Personal loans
  • Pet
  • Renters
  • RV/trailer 
  • Segway
  • Travel
  • Umbrella
  • Vision
  • Wedding and event

CheckUNDER THE HOOD:

While Good2Go’s partnership with Bindable allows shoppers to purchase multiple forms of insurance at once, those policies come from different car insurance companies, which may not work together to get you the best deal. If you’re looking for a more convenient approach to bundling multiple types of insurance, consider going with a company that offers all the types of insurance you need.

Cancellation Policy

If you need to cancel your auto insurance from Good2Go, call its toll-free contact number at 1-800-777-6664. If your insurance comes from another provider, contact its customer service department (listed above).

Frequently Asked Questions

Is Good2Go the cheapest car insurance?

No, Good2Go is not the cheapest auto insurance on average. Our market analysis indicates that Good2Go’s average annual rate of $2,040 is higher than that of many other insurance companies.

Where is Good2Go located?

Good2Go’s headquarters are located in Blue Bell, Pennsylvania. The company also maintains satellite offices in Atlanta, Georgia, and in Port St. Lucie, Florida.

Does Good2Go cover California?

Yes, Good2Go offers coverage in California.

Citations

  1. Frequently Asked Questions. Good2Go. (2022).
    https://www.good2go.com/car-insurance/faq/

  2. Results by Complaint Index. National Association of Insurance Commissioners. (2021).
    https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=17957

  3. Good2Go Insurance, Inc.. Better Business Bureau. (2021).
    https://www.bbb.org/us/ga/atlanta/profile/auto-insurance/good2go-insurance-inc-all-locations-0443-27435807/customer-reviews