Good2Go Auto Insurance, an insurance agency representing and owned by the American Independent Companies (American Independent Insurance Company, Apollo Casualty Company, Delphi Casualty Company, Bankers Independent Insurance Company, Omni Insurance Company, Omni Indemnity Company, and Personal Service Insurance Company) sells nonstandard auto insurance in the states of Alabama, Arizona, Connecticut, Delaware, District of Columbia, Georgia, Illinois, Indiana, Mississippi, Missouri, New Jersey, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Virginia, and Washington. Nonstandard auto insurance is car insurance for higher risk drivers some standard or preferred auto insurance companies won’t insure, such as newly licensed or inexperienced drivers, drivers with too many tickets or accidents, or a major driving violation (DUI, DUII, DWI, Reckless driving) or recent license suspension. Does Good 2 Go Auto Insurance have a lot of customer complaints? How does it compare to competing auto insurance companies like Progressive & GEICO? This blog post will review Good2Go Auto Insurance and the American Independent Companies insuring its customers, evaluating its JD Power, AM Best, BBB (Better Business Bureau) ratings, and customer complaints over the last three years, to let you know if Good 2 Go auto insurance has a better than average, average, or worse than average complaint record. The information in this review can help you decide if Good2Go auto insurance is a good company to insure your cars & trucks.
There can be a big difference in the cost & coverage offered by different auto insurance companies, even when you are limited to the companies designed for higher risk drivers. At the end of this review, I’ll suggest a few companies competing with Good2Go auto insurance that may be a better option for you. The smart auto insurance shopper checks their eligibility with all the major companies for the right combination of coverage, acceptable claims & customer service, and best price for them. Be sure to use the ad below this paragraph (or the ad at the end of this review) to request price quotes from multiple insurance companies, and find the best insurance company for you.
Good2Go Auto Insurance Review
1. About Good2Go Auto Insurance
Good2Go Auto Insurance, established over 25 years ago, is a multi-state insurance agency based in Atlanta, GA, selling nonstandard auto insurance through its call center to residents of the states of Alabama, Arizona, Connecticut, Delaware, District of Columbia, Georgia, Illinois, Indiana, Mississippi, Missouri, New Jersey, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Virginia, Washington. Good2Go is licensed in additional states, but according to its website, is not selling auto insurance in them yet.
Good2Go Auto Insurance, Inc. is owned by American Independent Companies, to sell the nonstandard auto insurance offered by the following companies it also owns: American Independent Insurance Company, Apollo Casualty Company, Delphi Casualty Company, Bankers Independent Insurance Company, Omni Insurance Company, Omni Indemnity Company, and Personal Service Insurance Company.
Unless you are considered a higher risk driver, and don’t qualify for the standard auto insurance coverage & rates of any other company, you should not bother with a nonstandard auto insurance company like those offered by Good2Go auto insurance, since the rates are much higher and the coverage is more restrictive than standard auto insurance. However, if you have several tickets, accidents, a license suspension, or a major moving violation, like racing on the highway, reckless driving, driving without insurance or a drug or alcohol related driving offense, you should consider all your options, including Good2Go if it is available in your state, to find the auto insurance coverage you need at a lower price.
If you need to file an auto insurance claim with Good2Go auto insurance, if you are a policyholder or you have been involved in an accident with a driver insured by Good2Go, you can reach the Good 2 Go auto insurance claims department at 1-888-925-6547, 8 a.m. to 7:30 p.m Eastern time.
2. Good2Go Auto Insurance Website & Requesting a Price Quote
If you don’t live in a state where Good2Go sells auto insurance (see section 1), you can still request an auto insurance quote online through its website. However, I don’t recommend requesting an auto insurance quote online through the Good 2 Go Auto Insurance website, regardless of the state you live in. You can’t get a price quote online from the website, but you can request an auto insurance quote by completing some basic information about you and your vehicle(s). If you live in one of the states where Good2Go sells auto insurance, one of their representatives will contact you once you have submitted your information. In addition to being contacted by Good2Go, you will be contacted by its “marketing partners,” which are other insurance companies, agencies, and marketing companies selling leads to insurance companies and agents, such as State Farm, Farmers, 21st Century, Auto Insurance Specialists, LLC, the many Bankrate lead-selling companies, Quotewizard, and others. Good2Go uses these marketing relationships both in states where it does business and states where it is not available.
I recommend everyone shop with as many auto insurance companies as they can to find the best price, coverage, and service, so why do I think requesting an auto insurance quote through the Good2Go auto insurance website and being contacted by many different insurance companies and agents is a bad idea?
First, the information asked by Good2Go is not enough to quote you accurately. Any emailed quotes you receive from agents or insurance companies are likely low ball estimates off by hundreds of dollars from what you will find the real price to be.
Second, given the large number and type of marketing partners where Good2Go will share your information, you are likely to be called by many agents (some representing the same company or companies) to ask you additional information to quote you accurately and try to close the sale. You may be contacted every six months far in the future, to lure you into getting a quote again through the promise of new, “lowered” rates. There is nothing wrong with agents contacting you in the future when they know they should be able to offer you a better rate, like after an accident is over three years old, but many agents call all old prospects periodically about lowered rates as a ploy to try to quote you again and get your business.
If you are not a high risk driver, you will be bombarded by calls from dozens of agents quoting you the same five or so companies. You don’t need to speak to two or three different Allstate agents, all with offices many miles from where you live or work, quoting you the same price, and calling you six months later to quote you again when nothing has changed. Higher risk drivers aren’t pursued by as many different insurance companies or agents (you definitely won’t hear from State Farm), but it can still be overwhelming being contacted by different nonstandard auto insurance agencies, largely representing the same insurance companies, each promising to “shop the market” for you to find the best price. Do you really want your information sold now and in the future to any insurance agent working the nonstandard auto insurance market?
I recommend shopping with all the leading auto insurance companies in your state, but it’s important for you to control the process, even if you are a higher risk driver. For example, Progressive insures all types of drivers. To find out if Progressive has the best rates for the nonstandard auto insurance you need, it’s better to get an auto insurance quote direct from the Progressive website, because Progressive won’t sell your information, than use a website selling your information to “marketing partners,” and being contacted by many agents, including three independent agents quoting you the same Progressive auto insurance. You can check the rates you received direct from Progressive with one or two national online independent insurance agencies, like Answer Financial (owned by Allstate), selling nonstandard auto insurance from many companies, to make sure Progressive has the best rates for you.
I think it’s best to get auto insurance quotes online direct from a company or an agency website not selling your information to other organizations. I blog here about what I think is the best way to shop for auto insurance online. Here’s my blog post with tips on shopping for nonstandard auto insurance.
So, only contact Good2Go for an auto insurance quote if you need nonstandard auto insurance and live in one of the states where it sells coverage (Alabama, Arizona, Connecticut, Delaware, District of Columbia, Georgia, Illinois, Indiana, Mississippi, Missouri, New Jersey, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Virginia, Washington), and contact them by calling the agency to get an auto insurance price quote over the phone. The Good2Go website say quotes can be obtained anytime by calling 1-855-646-4661, 24 hours a day, 7-days a week, but I would contact them during their normal hours of operation, at 1-888-303-3430, 8 a.m. to 7:30 p.m Eastern time.
A better option may be to find a local independent insurance agency representing the American Independent Companies to contact for an auto insurance quote, and bypass Good2Go completely. This is the only option if you live in a state where an American Independent Companies subsidiary is available, but Good2Go does not operate in that state. Contact information for independent agents near you, representing one or more of the American Independent Companies subsidiaries, can be located on the American Independent Companies website
Source for Sections 1 & 2: Good2Go Auto Insurance Company Website
3. Good2Go Auto Insurance AM Best Financial Strength Ratings
Good2Go Insurance is an insurance agency, not an insurance company, so it is not rated by AM Best. However, Good2Go is owned by an insurance conglomerate called American Independent Companies, to market and sell its nonstandard auto insurance to the public. The American Independent Companies underwriting the auto insurance sold by Good2Go are rated by AM Best. Therefore, although Good2Go is not rated, the companies covering the cars under the auto insurance Good2Go sells are rated.
The American Independent Companies (American Independent Insurance Company, Apollo Casualty Company, Delphi Casualty Company, Bankers Independent Insurance Company, Omni Insurance Company, Omni Indemnity Company, and Personal Service Insurance Company) had their “B+” (Good) AM Best Financial Strength Rating reaffirmed, with a stable outlook upgraded (no ratings upgrade or downgrade is expected in the near future) on 10/22/2014. The AM Best rating of “B+” is the 6th highest rating (five ratings are higher: A++, A+, A, A-, B++) for AM Best, and is the lowest rating the AM Best website considers still in the “stable” category.
AM Best financial strength ratings are not a measure of customer service or the quality of the claims adjusting for the American Independent Companies, but an opinion about their ability to pay claims, remain financially solvent, and stay in business. I recommend avoiding, if possible or practical, any auto or homeowners insurance company with lower than an “A-” rating for financial strength from AM Best.
Source: AM Best Rating for American Independent Insurance Company
4. Good2Go Auto Insurance JD Power Ratings & BBB Rating
Good2Go JD Power Ratings
The American Independent Companies used by Good2Go auto insurance, like many companies specializing only in the nonstandard auto insurance market, do not have enough customers at this time in any one state, region, or nationally to be included in any of the recent annual JD Power auto & home insurance customer satisfaction studies, which evaluate the largest national and regional auto or homeowners insurance companies in the USA. Not being included in a JD Power insurance study does not make an auto insurance company better or worse than large or JD Power rated companies, but it does make it harder to evaluate the quality of customer service provided by a company not rated by JD Power, like Good2Go Auto Insurance.
Good2Go Better Business Bureau (BBB) Ratings
Good2Go Auto Insurance is rated “A” by the Better Business Bureau, which is the second highest rating from the BBB. Good2Go is not accredited by BBB. There were 8 complaints against Good 2 Go in the last three years (5 of the complaints occurring in the last 12 months), with 3 for billing or collections problems and 5 for a problem with service. All complaints have been closed and resolved with the assistance of the BBB.
Although most customer complaints are best directed toward a customer’s state department of insurance, the Better Business Bureau is a well-known and popular choice for consumers filing complaints against a company. If many customers are having so much trouble resolving an issue with their insurance company, they take the time to contact the Better Business Bureau about it, it’s a pretty good sign customers in general may be unhappy with the service provided by their insurance company. If a lot of complaints are made to the BBB about a company, in greater numbers than similar-sized insurance companies, it’s reflected in the BBB rating, and is one indicator the company may have more dissatisfied customers than some of its competitors.
I don’t trust the highest BBB ratings to be a reliable indication of a good auto insurance company, but a lower than “A” rating should be considered as a sign of below average customer service. As of the date of this review, the BBB rating for Good2Go auto insurance should not be a concern for its customers or people considering buying Good2Go auto insurance.
Source: BBB ratings for Good 2 Go Auto Insurance
5. Auto Insurance Complaint Statistics & Ratings for Good2Go / American Independent Companies
The complaint statistics for the American Independent Companies underwriting Good 2 Go auto insurance listed below display the ratio of each company’s U.S. market share of closed complaints compared to each company’s U.S. market share of premiums for a specific policy type (in this case, personal auto insurance). Auto Insurance complaint ratios lower than “1” have less complaints than average, and complaint ratios over “1” have more complaints than average. The lower the complaint ratio, the less complaints against the company. Ideally, you want to choose an insurance company with complaint ratios much less than 1.00 each year, over the last three years.
So you don’t have to worry about comparing complaint ratio numbers, I devised a rating system to help you identify a good or poor complaint record.
Here’s how I establish my auto insurance complaint ratings:
B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.
C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company. I use a minus sign (-) to indicate auto insurance complaint ratios slightly worse than average (1.01 to 1.25) and a plus sign (+) for auto insurance complaint ratios slightly better than average (.99 to .75).
W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.
I prefer companies with the longest recent history of “B” ratings each year (or at least in the most recent three years). Companies with “B” or “C+” ratings are okay, too, particularly if they have less market share, with less than $100,000,000 in premiums for that line of insurance (auto or home) each year. I prefer to avoid companies with a consistently higher than average number of complaints (“W” or “C-” rating), or with inconsistent complaint records, unless there are mitigating factors, such as small market share. However, with nonstandard or specialty auto insurance companies designed for insuring higher risk drivers, like the American Independent Companies sold by Good2Go, very few have better-than-average or average number of auto insurance complaints each year.
B = Better than Average C = Average W = Worse than Average
2013 Auto Insurance Complaint Ratio = W (4.18)
2013 US auto insurance premium = $38,968,526
2012 Auto Insurance Complaint Ratio = W (4.79)
2012 US auto insurance premium = $35,984,026
2011 Auto Insurance Complaint Ratio = No auto insurance policies in force
2011 US auto insurance premium = $0
American Independent Insurance Company is licensed in Delaware, Florida, Pennsylvania, and Georgia, but Good 2 Go does not sell auto insurance in Florida. You can check the American Independent Companies website (as linked to in Section #2 of this review) to see if there are any agencies representing this subsidiary in Florida.
B = Better than Average C = Average W = Worse than Average
2013 Auto Insurance Complaint Ratio = W (3.27)
2013 US auto insurance premium = $16,610,465
2012 Auto Insurance Complaint Ratio = W (9.17)
2012 US auto insurance premium = $14,837,324
2011 Auto Insurance Complaint Ratio = No auto insurance policies in force
2011 US auto insurance premium = $0
Apollo Casualty Company is available in the state of Illinois only.
B = Better than Average C = Average W = Worse than Average
2013 Auto Insurance Complaint Ratio = W (2.34)
2013 US auto insurance premium = $9,256,999
2012 Auto Insurance Complaint Ratio = W (2.21)
2012 US auto insurance premium = $8,198,425
2011 Auto Insurance Complaint Ratio = No auto insurance policies in force
2011 US auto insurance premium = $0
Bankers Independent Insurance Company is licensed in Delaware, District of Columbia, Indiana, Maryland, Ohio, Pennsylvania, and Virginia, but Good 2 Go does not sell auto insurance in Maryland. You can check the American Independent Companies website (as linked to in Section #2 of this review) to see if there are any agencies representing this subsidiary in Maryland.
B = Better than Average C = Average W = Worse than Average
2013 Auto Insurance Complaint Ratio = B (0) (No complaints)
2013 US auto insurance premium = $6,855,868
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2012 US auto insurance premium = $4,433,516
2011 Auto Insurance Complaint Ratio = No auto insurance policies in force
2011 US auto insurance premium = $0
Delphi Casualty Company is available in the state of Illinois only.
B = Better than Average C = Average W = Worse than Average
2013 Auto Insurance Complaint Ratio = W (4.36)
2013 US auto insurance premium = $42,325,920
2012 Auto Insurance Complaint Ratio = W (1.37)
2012 US auto insurance premium = $39,702,376
2011 Auto Insurance Complaint Ratio = No auto insurance policies in force
2011 US auto insurance premium = $0
Omni Indemnity Company is licensed in Alabama, Florida, Georgia, Indiana, Illinois, Kentucky, Missouri, Mississippi, Ohio, South Carolina, Virginia, and Washington, but Good 2 Go does not sell auto insurance in Florida and Kentucky, You can check the American Independent Companies website (as linked to in Section #2 of this review) to see if there are any agencies representing this subsidiary in Florida or Kentucky.
B = Better than Average C = Average W = Worse than Average
2013 Auto Insurance Complaint Ratio = W (6.28)
2013 US auto insurance premium = $95,056,366
2012 Auto Insurance Complaint Ratio = W (5.10)
2012 US auto insurance premium = $78,213,974
2011 Auto Insurance Complaint Ratio = No auto insurance policies in force
2011 US auto insurance premium = $0
Omni Insurance Company is licensed in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Indiana, Kentucky, Louisiana, Minnesota, Mississippi, Missouri, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, Washington and Wisconsin, but Good 2 Go does not sell auto insurance in Arkansas, California, Colorado, Florida, Kentucky, Louisiana, Minnesota, North Carolina, Oklahoma, Utah, and Wisconsin. You can check the American Independent Companies website (as linked to in Section #2 of this review) to see if there are any agencies representing this subsidiary in Arkansas, California, Colorado, Florida, Kentucky, Louisiana, Minnesota, North Carolina, Oklahoma, Utah, and Wisconsin.
B = Better than Average C = Average W = Worse than Average
2013 Auto Insurance Complaint Ratio = W (3.38)
2013 US auto insurance premium = $51,449,385
2012 Auto Insurance Complaint Ratio = W (2.44)
2012 US auto insurance premium = $44,650,162
2011 Auto Insurance Complaint Ratio = No auto insurance policies in force
2011 US auto insurance premium = $0
Personal Service Insurance Company is available in the states of New Jersey and Ohio only.
Good2Go Auto Insurance Complaint History 2011 to 2013
The largest Good2Go auto insurance subsidiaries have consistent, worse-than-average number of auto insurance complaints each year from 2012 to 2013, and apparently had no active auto insurance policies anywhere prior to 2012. I prefer to choose auto insurance companies with a consistent history of lower than average number of auto insurance complaints each year, but this may not be a realistic goal for people eligible only for nonstandard auto insurance, and not qualifying for standard auto insurance rates.
6. The Complaint Record for Good2Go Auto Insurance compared to the Complaint Records of Allstate, Farmers, GEICO, & Progressive Insurance
Many of the subsidiaries of Farmers, Allstate, GEICO, and Progressive, including their subsidiaries for nonstandard auto insurance, have better three year (2011, 2012, & 2013) auto insurance complaint records than the largest Good2Go auto insurance companies. In addition, most of the subsidiaries of these competitors have higher AM Best financial strength ratings than Good2Go Auto Insurance.
7. Good2Go Auto Insurance Review Summary
Here’s my summary to give you the bottom line on the customer satisfaction & rates for Good2Go Auto Insurance, to see if the Good2Go performs better than average, average, or worse than average. Since Good2Go Auto Insurance is not rated by JD Power, my evaluation is based on its three year auto insurance complaint statistics and AM Best financial strength rating.
Good2Go Auto Insurance Claims & Customer Service:
Worse than average
I summarize the auto & home insurance customer & claims satisfaction in this same way for over 40 other major companies on my homepage. Compare Good 2 Go Insurance with other insurance companies at: smartshopyourcarinsurance.com.
Although an insurance company’s complaint record can be particularly useful for identifying poor claims service & claims satisfaction, it shouldn’t be the only tool you use for choosing an auto insurance company, and if you qualify only for nonstandard auto insurance, it can be very hard to find a company or subsidiary with a close to average complaint record, much less an auto insurance company with a better than average complaint record. Remember to consider GEICO if you qualify, and buying direct from Progressive as better possible options for you, but if you are limited to the nonstandard auto insurance market, you should consider all the auto insurance companies available to you.
Good2Go Auto Insurance Rates
For pricing, the most reliable way to know if a car insurance company charges too much is to conduct your own pricing survey, by obtaining price quotes from all the leading insurance companies in your state, to find the best company for you. However, a recent rapid increase or decrease in market share may indicate whether a company has higher or lower insurance rates for at least some people. If you look at the annual auto insurance premiums in section 5. of this review, all the Good2Go auto insurance companies had healthy market share growth from 2012 to 2013, which may be a sign its auto insurance rates are competitive for higher risk drivers.
It pays to shop. higher risk drivers may not have their choice of companies with the best complaint records, but you can still see, among the companies willing to insure you, big variations in the prices they charge for the same coverage. In addition to Good2Go Auto Insurance, be sure to check with GEICO, Progressive, Infinity, Mercury, 21st Century, Direct General and others.
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