Car Insurance Review & Rankings: 2023 Buyers Guide
We take a look at GoAuto, a regional insurance provider specializing in basic coverage options for residents of Louisiana, Ohio, Nevada, and Texas.
Updated: October 5, 2023 // Insurance
In today's challenging world, having good auto insurance coverage is needed. But with countless companies vying for your attention, picking the right provider may seem daunting.
GoAuto: A Quick Snapshot
As a regional player (i.e. Louisiana, Ohio, Nevada, and Texas), GoAuto's insurance services may be perfect for individuals seeking flexible payment options and the convenience of managing policies via a mobile app. However, the company might not be the ideal choice for those hunting for broad-ranging discounts or savings accrued through policy bundling.
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GoAuto Car Insurance Quick Facts
- Regional Provider: GoAuto is a regional auto insurance provider catering specifically to residents of Louisiana, Ohio, Nevada, and Texas.
- Flexible Payment and Convenience: GoAuto offers customers the flexibility of different payment methods and the convenience of managing policies through their mobile app.
- Customer Satisfaction and Complaints: GoAuto's customer satisfaction ratings are not readily available, and it received slightly more complaints in 2022 than other insurance companies of its size.
- Direct-to-Consumer Approach: GoAuto operates on a direct-to-consumer model, avoiding the middleman, and potentially passing on any savings to customers.
- Coverage and Discounts: While GoAuto provides basic but essential auto insurance coverages, it does not publicize any auto insurance discounts during the quote process.
Availability & Customer Satisfaction
At present, GoAuto's services are only accessible to residents of Louisiana, Ohio, Nevada, and Texas. Unfortunately, the company's customer satisfaction ratings were not listed in the recent J.D. Power survey, making it difficult to measure customer sentiment.
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Complaints & How to Connect
GoAuto received slightly more complaints in 2022 than other insurance companies of comparable size, as per the data from the National Association of Insurance Commissioners (April 2023). Nevertheless, engaging with GoAuto is easy - prospective customers can get a quote online, over the phone, or in person, and claims can be submitted via their website, mobile app, or hotline.
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The Perks & Pitfalls of Choosing GoAuto
GoAuto leverages a direct-to-consumer model, offering flexible payment options and a user-friendly mobile app. However, the company's services aren't available nationwide and have garnered a slightly higher than average number of complaints.
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Simplify GoAuto’s Auto Insurance Offering
GoAuto champions an affordable, "no-nonsense" approach to auto insurance, providing coverage for customers in Nevada, Texas, Louisiana, and Ohio. They tout a family-oriented, community-driven business model, with affordable policies delivered directly to the customer, sans any policy add-ons.
Flexibility in Payment
A standout feature of GoAuto is the variety of payment methods available for their monthly auto insurance premium. Whether you prefer to pay online, over the phone, through a local sales office, or on their app, GoAuto has you covered. However, they do not accept American Express but welcome Visa, Mastercard, and Discover debit or credit cards, including Green Dot prepaid debit cards.
App Accessibility
With the GoAuto mobile app, customers can conveniently report a claim, process payments, manage policies, and access important policy documents and ID cards. As of April 2023, the app had a mixed reception, with a 3.7-star average review on Google Play Store and 2.4 stars on Apple App Store.
Direct-to-Consumer Model
In contrast to many insurance companies that sell policies via commissioned agents, GoAuto directly interfaces with customers, potentially helping to keep costs low and passing on any savings to the consumer.
Coverage Options and Discounts
GoAuto’s offerings may seem basic, but they cover the essentials. From bodily injury and liability to SR-22 verification, they've got you covered. However, it's worth noting that GoAuto does not publicize any auto insurance discounts on its website nor during the quote process.
Final Word on GoAuto Car Insurance
To wrap up, while GoAuto may not offer the frills of some larger insurers, it does provide a straightforward, customer-oriented approach to auto insurance. However, it's essential to do your homework to find the coverage that best suits your needs.
GoAuto Insurance Frequently Asked Questions
Absolutely. Claims can be filed online, over the phone, or through the app. Following a six-step claims process, a formal decision is made based on compliance with state law.
While "full coverage" isn't technically a type of car insurance, the term typically refers to a policy that includes liability, collision, and comprehensive coverages. In this regard, GoAuto checks all the boxes.
Not Always. While GoAuto provides basic auto insurance coverage, rates can vary based on various factors. Furthermore, GoAuto doesn't offer the typical discounts seen among larger auto insurers. It's always prudent to explore multiple providers to ensure you're getting the best deal for your specific needs.
Disclaimer: The writers of this article may have used artificial intelligence to help them with some of the material. It should not be a replacement for professional help.
Sources:
- GOAUTO Car Insurance. (n.d.). GOAUTO. goautoinsurance.com. Retrieved July 31, 2023, from https://get.goautoinsurance.com/