GoAuto Insurance Review for 2024

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Last Updated: December 27, 2023

GoAuto Insurance: An Overview

GoAuto is a famous car insurance company based in Louisiana. The company has about 30 agency locations in Louisiana and eight throughout Nevada. GoAuto deals with car owners face-to-face in their agency locations. You can also get a quote through the official website of GoAuto.

Onsite agencies and the website of GoAuto focus on the fact that the company does not sell pricy insurance add-ons. GoAuto has an excellent A+ rating from the Better Business Bureau (BBB). The company got only 4 BBB complaints in the past three years. Above this, GoAuto has 3.2 ratings out of 5 stars on Trustpilot. The company needs financial ratings from the AM Best, which can be a pitfall for an insurance company. But GoAuto is the eighth largest car insurance company in Louisiana.

Pros & Cons of GoAuto Insurance

GoAuto Insurance Coverage

With GoAuto insurance plans, you can get minimal coverage at affordable rates. The insurance coverage plans offered by this company usually lack accident of forgiveness and have limited policy limits. This approach can lower the average cost of your car insurance policies, but it can have negative impacts after an accident.

All GoAuto insurance plans come with liability coverage because the country law mandates it. In addition, car owners can get comprehensive coverage by adding on collision and extensive coverage options. The company also lets drivers get some unique car insurance add-ons, such as coverage for uninsured and underinsured motorists, medical payments for additional fees, and protection for personal injuries.

GoAuto insurance offers the following standard coverage options:

Liability

GoAuto offers two liability options: bodily injury liability and property damage liability. Bodily injured (BI) liability provides coverage for the medical expenses for the other drivers and passengers after an accident if you're at fault. Property damage (PD) liability covers damages to other drivers' vehicles after an accident if you're at fault.

Medical Payments

The medical payments coverage option of GoAuto covers medical expenses and bills for you and your passengers after an accident.

Personal Injury Protection (PIP)

With GoAuto's injury protection (PIP), you can get coverage for the medical bills of you and your passengers after an accident. In addition, this option can also cover some other expenses, such as lost wages.

Uninsured/Underinsured Motorist Insurance (UM/UIM)

The uninsured/underinsured motorist insurance option covers your medical expenses and bills if you are hit by another driver who does not have insurance or limited insurance, which is not enough to fully pay the damage's cost.

Comprehensive Insurance

With GoAuto's comprehensive insurance option, you can get coverage for damages to your car that a natural disaster or animals cause. This insurance plan also lets you get coverage for repairing or replacing your vehicle if it is vandalized or stolen.

Collision Insurance

GoAuto's collision insurance option covers the damages that occur when you're driving. No matter if the damage is caused by a road hazard or another vehicle, it will be covered by the collision insurance plan.

Coverage Add-Ons of GoAuto Insurance

In addition to comprehensive insurance plans, GoAuto also offers some additional add-ons, which include:

• Rental Car Reimbursement: With rental car reimbursement, you can get covered for your transportation needs even when your vehicle is in an auto shop for repairs.
• Towing: The towing coverage add-on of GoAuto covers the costs of having your vehicle towed after a mechanical breakdown.
  

GoAuto Insurance Cost & Discounts

As mentioned earlier, GoAuto is a low-cost car insurance provider in Louisiana. The average cost of your auto insurance plan may get influenced by the following factors:

• Vehicle Type: Expensive and newer vehicles that can get stolen more frequently tend to receive costlier insurance rates.
• Driving History: If you have any previous history of DUIs or car accidents, you can expect to pay higher for GoAuto insurance plans.
• Credit Score: The lower your debit/credit score is, the higher GoAuto insurance rates will be.
• Marital Status: It is reported that married drivers get involved in car accidents less frequently than unmarried ones. It means married drivers can expect to pay less for car insurance policies.
• Age: Older adults and teen motorists can expect to pay more for car insurance policies than other age groups.
• Location: The premiums of GoAuto may vary across state lines due to different crime statistics, crime insurance standards, and rates of uninsured motorists.
  

GoAuto Insurance Discounts

The GoAuto users may get discounts for:

• Switching to GoAuto from another car insurance company
• Insuring multiple vehicles
• Holding multiple insurance policies
• Driving a car with airbags and anti-lock brakes
• Ensuring safe driving habits
• Being a member of a military family

GoAuto Insurance Quote

GoAuto offers a simple method for getting a quote. You can get a quote from the official website of the company. GoAuto demands your zip code and preferred way to get your rate. After choosing GoAuto insurance, you are sure to get low-cost car insurance.

GoAuto Insurance Claim

Unfortunately, the company does not provide details about its claim process. Instead, the company's website prompts you to complete an unprofessional-looking claim form online. This online form will encourage a customer representative to contact the user once notified. Most auto insurance providers have a dedicated claims phone number. But GoAuto does not provide any phone number for its claims process.

GoAuto Insurance Payment

You can use the self-service network from the official website of GoAuto to make payments for your GoAuto insurance plans. To sign up for the self-service network, you must have a policy number and personal information such as your name and address.

Mobile App for GoAuto Insurance

GoAuto insurance mobile app helps the company set itself aside from the competition. As a result, this application performs beyond the industry average. It also makes it simpler for policyholders to manage their GoAuto insurance policies.

GoAuto insurance users can manage the following things with the help of a mobile app:

• Reach your digital ID cards
• Submit and manage your claims
• Pay auto insurance bills
• Purchase GoAuto insurance policy plans
• Get GoAuto car insurance quotes

Numerous customer reviews highlight the easier accessibility of the GoAuto mobile app. The app has a 3.9 rating out of 5 stars on Google Play. Whereas, on Apple Store, reviews about GoAuto mobile app are less rosy, where the app has a 2.6 rating out of 5 stars. Overall, GoAuto mobile application works well for most policyholders.

GoAuto Insurance Customer Satisfaction

GoAuto claims its customer representatives have more than ten years of industry experience. They offer a seamless and reliable customer experience. But online GoAuto insurance reviews tell a completely different story. From these online reviews, we found that the billing and payments of several GoAuto users were mishandled. Many users claimed they canceled their GoAuto insurance policies due to ineffective customer service.

GoAuto Insurance Reviews

GoAuto insurance has a mixture of both positive and negative reviews. However, from our research, we have found the different aspects of the company which the users admire.

The positive GoAuto insurance reviews talk about the following:

• Excellent price and application process of the company
• Flexible billing options
• Superior discount offers
• Transparent pricing
• Easy-to-use website

The negative GoAuto insurance reviews highlight that:

• Average customer services
• Limited coverage options
• The average score for claim satisfaction
  

Final Verdict: Is GoAuto Insurance Worth Purchasing?

GoAuto is a legit auto insurance company that aims to provide low-cost car insurance policies in Louisiana and Nevada. Low-cost car insurance policies are always inviting. But you should remember that insurance providers must be skimping on services if you're saving on premium insurance options.

Unlike most auto insurance companies, GoAuto has onsite agency locations. They also offer an easy-to-use online portal to manage their users' needs. However, the company does not have a financial rating from AM Best, which can be a downside for any insurance provider. In addition, GoAuto also needs better customer satisfaction.

The Car Data Review Methodology

Our expert review team is committed to providing honest and objective information. Based on consumer data, we identified the following rating categories and did extensive research to determine the top extended auto insurance providers.

• Affordable: Many factors influence the cost of a service, making it difficult to compare prices between providers. Our secret shopper team analyzes different vehicles, mileages, and insurance plans to give you this rating.
• Coverage - Each consumer has different needs. Every car insurance company must offer a variety of coverage options. We consider the number of plans available, terms limits, exclusions, and additional benefits.
• Industry Standing: Our team considers Better Business Bureau (BBB), ratings, availability, years in business, and other factors when determining this score.
• Customer Services: Trusted extended car insurance companies provide a level of customer care. We consider customer reviews, BBB complaints, and responsiveness to customer service.