I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Mar 18, 2021

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In an insurance marketplace often dominated by large national players, small insurance providers like Good2Go often slip under the radar.

However, these kinds of companies can save you money while keeping you safe from liability claims, particularly for those with challenging driving records that may struggle to qualify for coverage with better-known insurers.

Check out this Good2Go insurance review to find out how you can take advantage of low rates and flexible policies, and provide protection under any circumstances.

Good2Go car insurance logo

In this review: 

Good2Go Car Insurance

Based in Atlanta, GA with over 25 years of quality service, Good2Go specializes in minimum limits insurance, keeping drivers legal in an affordable manner.

Good2Go partners with multiple car insurance companies as underwriters, including American Independent Insurance Company, Omni Independent Insurance Company, Bankers Independent Insurance Company, The General, and Progressive.

Numerous types of coverage are available through Good2Go, helping you create a policy that is right for your vehicle and your budget.

  • Liability-Only Coverage: A form of minimum protection, liability-only offers protection for damages caused to other people and property as a result of an accident.
  • Minimum Limits Coverage: Considered the minimum requirement for legal driving, it’s available on cars owned outright and varies in caliber from state to state.
  • Bodily Injury Liability Coverage: This pays for injuries and accidents for drivers or passengers other than yourself if you are at fault.
  • Property Damage Liability Coverage: This option pays for damages to other cars and property if you are at fault in an accident.

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Claims Satisfaction

Insurance is essentially a safety net, providing coverage when you need it most.

Outside of occasional updates on life circumstances, or to add or remove a vehicle from their coverage, most policyholders don’t have much contact with their insurance agent.

However, this all changes when you get into an accident and need to file a claim.

The ease and efficiency of the claims process are often the most important things to consumers, and for good reason: when insurance protection is needed, getting help in a timely fashion is paramount.

Many rating agencies, like J.D. Power and Consumer Reports, take these kinds of qualities into account when rating claims satisfaction.

According to J.D. Power, the three most important KPIs (Key Performance Indicators) used in comparing and contrasting insurance providers include communication, ease of service interaction, and timeliness.

J.D. Power does not offer a Good2Go insurance rating in its claims assessment.

Other similar companies that specialize in minimum insurance coverage for drivers on a budget, like The General, are similarly not ranked.

However, several of Good2Go’s underwriting partners, including Progressive Insurance, are ranked with average scores in all categories. This Good2Go insurance review shows that the company has been awarded an A rating by the Better Business Bureau.

Overall Customer Satisfaction Ratings

While the ability to file a claim in a timely manner and receive a prompt, helpful response does make a difference, there are other, additional factors that can indicate the caliber of an insurance agency.

In addition to filing a claim, the purchase process, overall communication, cost, and the ability to handle complaints can also significantly affect how consumers perceive their insurance provider. J.D. Power, for example, rates insurance companies based on policy offerings, pricing, the availability of local agents, call center representative experience, and website options.

However, Good2Go insurance ratings are not included in this study. It is similarly not reviewed under the California Complaint Ratio Study, either.

While a Good2Go insurance review is not available through most major sources for ratings, the Better Business Bureau does maintain records of complaints.

In total, 99 complaints have been filed with the BBB, all of which have been addressed. In addition, 26 reviews are available, with an average one-star rating out of five. Customer reviews can be difficult to judge, though, as most are written by disgruntled customers.

Keep in mind then, that some of Good2Go’s more satisfied customers may not bother to complete a review. Since the company focuses on customers with problematic records, this can also lead to policies with less bells and whistles, higher price points, or more stringent requirements.

Pricing

Car insurance pricing is extremely variable and can be radically different from one individual to another.

Everything from car choice and state of residence, to gender and driving history can affect the quotes a consumer receives, making it quite challenging to compare one provider to another. In the following two scenarios, pricing can vary drastically:

  • Scenario one: a single female licensed for nine years living in Miami-Dade County, Florida with one car (Toyota Camry), one violation, and one no-fault accident in the preceding three years who drives 12,000 miles per year, primarily for work.
  • Scenario two: a single male, licensed between 9 and 15 years in San Francisco County, California with one car, a Toyota Camry, and no violations who drives between 12,600 and 15,000 a year.

In scenario one, minimum insurance coverage similar to Good2Go’s primary product, can range between $576 and $4,866 with a median of $1,611. Good2Go is not included in the list of the top 20 Florida insurers analyzed here but you can see how premiums fluctuate between carriers.

In scenario two, featuring a single male living in California, the results are similar. Premiums for minimum coverage range from $567 to $1,900 annually with an average premium cost around $1,050. As was the case in scenario one, Good2Go is not included in the state-wide comparisons provided.

These scenarios offer insight into the variability of insurance premiums. That’s why it is important you collect a multitude of quotes before making a final decision on a company.

Financial Strength

Customer satisfaction and insurance offerings are both important, but many consumers tend to disregard the financial strength of car insurance companies.

This can be a key factor in the success of a policy, particularly when it comes to longevity and overall protection.

Unlike bank accounts, insurance policies aren’t given the same level of federal protection, and this means that if a provider shuts its doors, there’s no guaranteed payout.

Luckily, there are several independent resources, like Moody’s and Standard & Poor’s, that evaluate the financial stability of insurance providers.

To do this, they analyze scenarios that may cause a severe uptick in claims (such as natural disasters), or other major industry shakeups that might lead to financial instability.

However, as Good2Go isn’t among the major national or regional insurance providers, no specifics rating information is available. Moody’s does rate some of the underwriters of Good2Go–with Allstate, for example, receiving an A3 score.

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Is Good2Go Car Insurance Best for Your Needs?

Choosing an insurance company is never easy, but with the right information, it’s possible to make a choice that’s perfect for you.

Make sure you have all the facts. This review can be a good jumping off point for evaluating the pros and cons of this small-scale insurer.

Whether you have a driving record that disqualifies you from better-known brands or simply want minimum limit insurance, Good2Go may be the ideal solution.