Is Go Auto Insurance Legit? A Scam Buster’s Honest Review

If you’re looking for cheap car insurance, you may have heard of Go Auto Insurance, a company that claims to offer low rates and no credit checks.

But is Go Auto Insurance legit, or is it a scam?

As an experienced scam buster, I decided to dig deeper into this company and share my findings with you.

Is Go Auto Insurance legit? learn the truth about Go Auto Insurance, a website that helps you compare and shop for insurance.
Is Go Auto Insurance legit? learn the truth about Go Auto Insurance, a website that helps you compare and shop for insurance.

Is Go Auto Insurance legit?

The short answer is yes, Go Auto Insurance is a legitimate company that has been in business since 2009 and is licensed to sell car insurance in 11 states.

The company has an “A+” rating from the Better Business Bureau as of November 2023 and has received mostly positive reviews from customers.

However, users should be aware that Go Auto Insurance is not accredited by the BBB and has had some complaints filed against it, mostly related to billing, customer service, and claims issues.

Go Auto Insurance is not a scam, but it is not a traditional car insurance company either.

It is a non-standard auto insurer, which means it specializes in providing coverage for high-risk drivers who have poor credit, bad driving records, or no prior insurance.

Non-standard auto insurers typically charge higher rates than standard insurers, but they also offer more flexible payment options and accept drivers who are rejected by other companies.

What is Go Auto Insurance?

Go Auto Insurance is a non-standard auto insurance company that offers liability, collision, comprehensive, medical payments, uninsured/underinsured motorist, and towing and rental car coverage.

The company does not offer any other types of insurance, such as home, life, or health insurance.

Go Auto Insurance operates mainly online and through phone, but it also has some physical locations in Louisiana, where it is headquartered.

The company claims to offer low rates and no credit checks, as well as discounts for multiple vehicles, paid-in-full policies, and referrals.

What are the benefits of using Go Auto Insurance?

  • Getting coverage regardless of your credit or driving history: If you have bad credit, a DUI, a suspended license, or multiple accidents or tickets, you may have trouble finding car insurance from other companies. Go Auto Insurance accepts drivers with any credit or driving history, as long as they meet the state’s minimum requirements.
  • Saving money with low down payments and monthly payments: Go Auto Insurance claims to offer low down payments and monthly payments that fit your budget. You can also save money by paying your policy in full or by referring your friends and family to the company.
  • Getting quotes and managing your policy online: You can get a quote, buy a policy, make a payment, or view your documents online through the company’s website or mobile app. You can also call or visit a local agent if you prefer.

What are the drawbacks of using Go Auto Insurance?

  • Paying higher rates than standard insurers: Go Auto Insurance may offer low rates compared to other non-standard insurers, but it still charges more than standard insurers who cater to low-risk drivers. This is because non-standard insurers have to cover the higher risk of claims and losses from their customers.
  • Having limited coverage options and features: Go Auto Insurance does not offer any optional coverages, such as roadside assistance, gap insurance, or accident forgiveness. It also does not offer any loyalty or safe driver rewards, such as accident-free discounts or vanishing deductibles.
  • Dealing with poor customer service and claims handling: Go Auto Insurance has received some negative feedback from customers who complained about the company’s customer service, billing, and claims practices. Some customers reported that the company was rude, unresponsive, or dishonest. Others said that the company denied, delayed, or underpaid their claims.

How does Go Auto Insurance determine your rates?

Go Auto Insurance calculates rates based on various personal risk factors:

  1. State of Residence:
    • Determines minimum coverage requirements and is influenced by state-specific accident rates, theft occurrences, legal regulations, and weather events.
  2. Vehicle Details:
    • Make, model, year, value, safety features, and repair costs impact rates, reflecting the likelihood and expense of vehicle repair or replacement after accidents or thefts.
  3. Age:
    • Reflects driving experience and maturity. Younger drivers pay more due to a higher likelihood of accidents and violations compared to older, more experienced drivers.
  4. Gender:
    • Statistical differences in driving behavior and risk influence rates. Men generally pay more, reflecting higher tendencies to drive aggressively, at higher speeds, and under the influence.
  5. Driving History:
    • Past performance and behavior behind the wheel affect rates. Drivers with tickets, accidents, or DUIs pay more, indicating a higher likelihood of future claims.
  6. Coverage Selection:
    • The type and amount of coverage chosen impact rates. More extensive coverage results in higher premiums. Options include liability, collision, comprehensive, medical payments, uninsured/underinsured motorist, towing, and rental car coverage.
  7. Deductible Amount:
    • Affects rates by determining the out-of-pocket amount before insurance coverage activates. Higher deductibles result in lower premiums and vice versa. This choice allows individuals to align their deductible with their budget and risk tolerance.

How can I get a quote from Go Auto Insurance?

Getting a quote from Go Auto Insurance is easy and fast. You just need to follow these steps:

  • Visit Go Auto Insurance’s website and click on “Get a Quote”.
  • Enter your zip code and click on “Start Quote”.
  • Fill out a short form with some basic information about yourself, your vehicle, and your desired coverage.
  • Review the quotes and coverages from Go Auto Insurance and compare them with other companies if you want.
  • Choose the best policy for you and click on “Buy Now” to complete your purchase.

How to file a claim with Go Auto Insurance?

If you need to file a claim with Go Auto Insurance, you have to contact the company as soon as possible and provide the details of the incident. You can file a claim by:

  • Calling the toll-free number 1-888-925-6547 from Monday to Friday, 8 a.m. to 5 p.m. CT.
  • Visiting the website and clicking on “File a Claim”.
  • Using the mobile app and tapping on “Claims”.

The claim process may vary depending on the type and severity of the incident, but generally, you will need to:

  • Report the incident to Go Auto Insurance and provide the details of what happened, when, where, and who was involved.
  • Fill out a claim form and submit your documentation, such as photos, receipts, police reports, medical bills, etc.
  • Receive a visit from the insurance adjuster, who will review and document the damage, assess your liability, and estimate the cost of repairs or replacement.
  • Negotiate and settle the claim with Go Auto Insurance, who will issue a check or a direct deposit to you or the repair shop, depending on the situation.

How to contact Go Auto Insurance?

If you have any questions, comments, or feedback about Go Auto Insurance, you can contact them through the following ways:

  • Email: You can send an email to and they will get back to you as soon as possible.
  • Phone: You can call them toll-free at 1-888-925-6547 from Monday to Friday, 8 a.m. to 5 p.m. CT.
  • Mail: You can write to them at Go Auto Insurance, P.O. Box 66937, Baton Rouge, LA 70896.
  • Social media: You can follow them on Facebook, Twitter, and Instagram for the latest news and updates on car insurance.
Spread the love