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Ben Moore

GoAuto Insurance coverage evaluations and scores

Cellular app provides the power to purchase and handle a coverage.Accessible in solely three states.Excessive variety of complaints relative to its measurement.

GoAuto Insurance coverage is a Louisiana-based auto insurance coverage firm that provides bare-bones automobile insurance coverage for drivers in Louisiana, Nevada and Ohio. GoAuto says it’s a low-cost insurance coverage firm: It permits drivers to buy insurance policies immediately from the corporate as a substitute of via commission-incentivized insurance coverage brokers.

Whereas GoAuto provides a easy approach to buy and handle a automobile insurance coverage coverage immediately via its web site or cellular app, its web site offers little transparency on reductions or out there protection. The corporate additionally has a excessive variety of complaints relative to different corporations of comparable measurement.

In case you’re on the lookout for low-cost automobile insurance coverage, GoAuto could also be an choice. Nevertheless, many different corporations supply perception into the protection they supply, have decrease buyer complaints and supply a spread of reductions.

GoAuto auto insurance coverage

GoAuto Insurance coverage provides minimal auto insurance coverage protection. Legal responsibility protection is included in each coverage, whereas collision and complete protection, medical funds and uninsured and underinsured motorist protection are extra choices. Relying in your state, different protection choices may be out there.

» MORE: Uninsured motorist protection defined

Extra protection may embody:

Towing protection covers towing and breakdown prices from a useless battery, flat tire or getting locked out of your automobile.
Rental reimbursement pays for a rental automobile whereas yours is within the store for a lined declare.

Whereas GoAuto doesn’t supply many bells and whistles, it’s doable you might qualify for a number of reductions, relying in your state.

GoAuto Insurance coverage reductions could embody:

Army low cost.
Secure-driving low cost.

You will get a quote and purchase a coverage on each the web site and cellular app, by calling GoAuto’s state-specific hotlines, and calling or visiting a neighborhood GoAuto workplace.

» MORE: Automotive insurance coverage quotes: What it is advisable know

Complaints about GoAuto

Relative to its measurement, GoAuto Insurance coverage has way over the anticipated variety of complaints to state insurance coverage regulators when put next with different auto insurance coverage corporations, based on three years’ value of information from the Nationwide Affiliation of Insurance coverage Commissioners.

These are the highest 4 sorts of buyer complaints during the last three years:

Delays in dealing with claims.
Denial of claims.
How claims are dealt with.
Unsatisfactory settlements and provides.

» MORE: Evaluate automobile insurance coverage

Extra about GoAuto

Web site: Whereas GoAuto’s web site provides minimal details about the protection it provides, you will get a quote, purchase a coverage, file a declare, discover a close by workplace, make a invoice fee or view coverage and coverage paperwork after you log in. Plus, a Spanish model of the web site is out there.

Cellular app: GoAuto’s cellular app permits clients to get a quote, purchase or renew a coverage, pay a invoice, view a present coverage and corresponding paperwork, and file a declare.

GoAuto’s cellphone numbers are:

Louisiana: 1-225-926-7000
Nevada: 1-702-747-7777
Ohio: 1-216-501-3322

Recap: GoAuto execs and cons

Methodology: Insurer complaints

NerdWallet examined complaints obtained by state insurance coverage regulators and reported to the Nationwide Affiliation of Insurance coverage Commissioners in 2016-2018. To evaluate how insurers examine to 1 one other, the NAIC calculates a criticism index annually for every subsidiary, measuring its share of complete complaints relative to its measurement, or share of complete premiums within the business. To judge an organization’s criticism historical past, NerdWallet calculated an analogous index for every insurer, weighted by market shares of every subsidiary, over the three-year interval. Ratios are decided individually for auto, house and life insurance coverage.

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