GoAuto Insurance offers economic coverage. But what do you really get for your money? Today, we’re going to look at what the company offers in terms of coverage and prices, and we’re going to look at some GoAuto Insurance reviews to see what customers think.
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In this article:
GoAuto insurance overview
GoAuto Insurance offers simple auto insurance plans in Louisiana, Ohio and Nevada. The company is headquartered in Baton Rouge, LA, and has its largest presence in Louisiana.
According to the Louisiana Department of Insurance, GoAuto Insurance wrote premiums of $ 1.65 million in 2018. This made it the seventh largest provider in the state, behind family names such as State Farm and Geico. Here are some pros and cons about the company:
- Online quote system
- Physical places where policyholders can pay cash
- High complaint ratio
- No financial score from industry rating services
Unfortunately, GoAuto stands out for its negative complaints and reviews. We will go deeper into GoAuto Insurance reviews later, but we also want to emphasize here that the company receives many negative reviews from former employees. On sites like Indeed and Glassdoor, people talk about how management helps hiring friends or family members and how it’s a revolving door with the amount of employee turnover.
Several rating companies keep an eye on the auto insurance sector. These include AM Best and others. Unfortunately, GoAuto Insurance isn’t big enough to impress those websites in the industry. The company subscribes to its auto insurance plans, which is good to know, and is listed on the website of the National Association of Insurance Commissioners. But there is no industry news on GoAuto.
GoAuto auto insurance coverage
With GoAuto Insurance you can get basic auto insurance to cover yourself and other drivers in different types of accidents.
Coverage for others: Personal injury and liability for property damage covers medical expenses and vehicle repairs for other drivers in accidents caused. These are required in all three states in which GoAuto operates.
Coverage for you: Medical payments (MedPay) can cover part of your medical bills. Personal injury protection (PIP) covers medical bills, funeral costs and loss of wages, regardless of who the culprit is. Collision coverage pays for repairs to your car, regardless of the error. Full coverage pays for environmental damage and vandalism / theft. Finally, an uninsured / uninsured (UM / UIM) motorist covers medical bills and repairs if you get hit by an uninsured or uninsured driver.
Full coverage is a combination of liability, collision and full options, and GoAuto offers it all.
GoAuto Insurance doesn’t have many bells and whistles like roadside assistance, rideshare coverage or gap insurance. However, you may be able to get some extra options depending on your status. We did a trial quote for Louisiana and saw that we could add an option for trailer coverage and car rental coverage as well.
Finally, auto insurance is the only thing GoAuto offers. You can’t get renters, home owners or anything else from the company.
GoAuto insurance accessibility
GoAuto Insurance’s slogan is “Low cost auto insurance”. The company does not provide any specific pricing online and we were unable to find customer reviews for the price. GoAuto marketing says its insurance plans are cheap because sales staff don’t work on commission and don’t offer expensive add-ons.
We have made a trial quote for GoAuto and will share it here. Keep in mind that you may see very different prices as the prices are influenced by your age, the population density of your area, the type of car you drive, your driving history and more. Here is the profile of the driver we used:
- 40 year old male
- No record of accidents
- Owner of the Toyota Camry 2015
- He lived in a populated area near New Orleans
And here are the prices we received for a six month period:
- Minimum coverage paid in full: $ 859
- Minimum coverage paid monthly: $ 161 per month, $ 967 in total
- Full coverage paid in full: $ 1,736
- Full coverage paid monthly: $ 319 per month, $ 1,916 in total
Auto insurance in Louisiana has expensive average rates in general and rates are higher in populated areas. The quote we extracted is average for the greater New Orleans area. You can see that it is cheaper to pay your policy in full than to divide it into payments. This is true of many providers.
The GoAuto Insurance website does not list specific discounts. We noticed that the quote offered our drivers discounts on anti-lock brakes, good driving history and an anti-theft device. We also expect you to get a discount for multiple car insurance, but we can’t confirm that.
You can pay GoAuto insurance online by clicking on “Make a payment”. Alternatively, you can visit a GoAuto auto insurance office and pay in person.
Get a quote and file a complaint
In our test, it was easy enough to get a quote and purchase a GoAuto auto insurance policy. To complete an online quote, you must enter your personal contact information, describe your vehicle and driving history and add other drivers to your family.
In the final screen, you can see exactly how much each piece of cover costs and you can also go back and edit your information. You also have the option of calling an office to get a quote or even visiting an office in person to speak with a sales agent.
The GoAuto website makes it easy to report a complaint by entering details in a form. Unfortunately, GoAuto doesn’t have an app to report complaints or view your insurance card. Also, not all customers are satisfied with the GoAuto complaint process, as you will see shortly.
GoAuto insurance reviews
GoAuto Insurance has an A + rating from the Better Business Bureau (BBB). However, it also has a number of negative reviews and complaints. According to the Louisiana Insurance Department, GoAuto had a 1.88 complaint rate in 2018. It is not a good thing.
The complaints index measures the number of complaints in relation to the total amount of written premiums. A score of 1 is average, less than 1 is better and greater than 1 is worse. Basically, GoAuto Insurance has more complaints than its size compared to other providers in Louisiana.
Here are some examples of GoAuto Insurance reviews from the company’s BBB page:
“My daughter was hit by an individual who has GoAuto insurance … I stated that I had to hire a car as soon as possible to allow my daughter to get to work. The complaint representative told me they could days passed before they could authorize a rental car because they had to investigate the complaint. This person was not very “user-friendly” on the phone and I thought he was rather rude. “
-Joey via BBB
“When I canceled [they] made me pay an early termination fee. [I] he was never informed of any start [termination] taxes … I just got it [their] insurance on the reseller’s recommendation and I knew that I would cancel it after further research for cheaper insurance. I found cheaper and better insurance. Lesson learned, do some research before buying insurance. “
-Jean via BBB
“I have to buy a new car but I can’t proceed because my old car hasn’t been paid yet. I am so disappointed with the way [GoAuto] is handling my complaint. This accident really turned my life upside down and it wasn’t my fault either. “
-Alana via BBB
The verdict: is GoAuto car insurance good?
If you’re just looking for basic coverage, GoAuto Insurance might be a good option. However, we recommend that you choose it only if it is cheaper than all the other options. We believe that the high reporting ratio is something to worry about. If you can find a plan from a reputable supplier with the same price, it may be a better option.
Our best choices for car insurance
So how do you know if you’re getting the best price? Getting more quotes. In Louisiana, Nevada and Ohio, you have a huge number of options. You may be able to think of some other auto insurance companies from the top of your head, but there are literally hundreds of choices.
The good news is that you don’t need to get a hundred insurance quotes. We have ranked dozens of the best companies in terms of price, availability, customer service and coverage. At the end of the day, a handful of companies rose above the rest as the best auto insurance companies on the market, including USAA and State Farm.
If you qualify for USAA, this company should definitely be your first choice. Typically, coverage is so inexpensive as to beat other economic suppliers, but the company does not compromise on customer service.
To get USAA, you must be an active or ex-army member, or you must be a member of the immediate family of someone who had a USAA car or home policy.
USAA received five circles of power over J.D.’s 2019 U.S. insurance purchase study Power and the study on the satisfaction of auto claims. This score indicates that customers rated the company among the best for their shopping experience and complaints service. USAA also obtained an A ++ financial rating from AM Best.
USAA coverage options include:
- Standard covers
- Road assistance
- Refund of the rental
- Accident forgiveness
- Covering the passage by car
We rated USAA “Best for Military” as it has a number of useful tools for service members. In addition, it offers deep discounts for storing a vehicle on the base or for storing a vehicle during deployment. Some other USAA discounts include a safe driver discount, a student discount coupon and a multi-vehicle discount – which is much more than what you will find with GoAuto Insurance.
State Farm is another great company to get a quote from. State Farm also has an A ++ financial rating from AM Best, but got an average of both J.D. Power mentioned above.
State Farm coverage may be a little more expensive than USAA, but still tends to be one of the cheapest options on the market. You can get standard coverage, in addition to these extras from State Farm:
- Road assistance
- Car hire and travel expenses
- Rental deductible
- Drive the Safe & Save app for usage-based discounts
- Steer Clear app for training young drivers and discounts
- Pocket Estimator app to estimate repairs on a vehicle
State Farm has the best student discount in the industry we’ve found: good students can get up to 20% off their policy. Other discounts include coupons for drivers, unpretentious discounts and multi-policy discounts.