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What Makes Go Auto Insurance Different and Better

Finding an auto insurance company that actually suits everybodys needs can be quite tricky. You can always find agents indeed, but a captive agent tends to persuade you to purchase coverage policies from the company that he/she works for. The agent gets commission when finally a customer does make the purchase. An independent agent is a safer bet since you can consult or ask for suggestions and advices about anything, but there is certainly additional fee for such services. If you live in Arkansas, Go Auto Insurance is one of few companies that use no-commissioned agents to minimize such additional cost. It sounds simple, but auto insurance is not actually an inexpensive expenditure for most, so the possibility to eliminate extra fees is always a good thing.

Go Auto Insurance is probably not the biggest name in the industry, but there are some good reasons for that. It is a privately-held company, which is similar to most small businesses. In fact, it is a family-oriented car insurance company, but it does not necessarily mean that the company is a small one; with 48 branch stores or offices spread across Arkansas, Go Auto Insurance is certainly one of the easiest to find in the state.

Unlike those companies whose shares are owned by the public and managed by some shareholders, Go Auto Insurance does not offer the shares in the stock market. It means the company has no obligation to regularly make reports of their financial conditions to the shareholders. Also, any changes in the companys policies, decisions, or services can be implemented immediately since it is not necessary to wait for shareholders approval. The company has much greater flexibility in terms decision making, so there is no delays in case significant action is immediately required. Instead of focusing on quarterly earnings, Go Auto Insurance can emphasize on improving quality on its car insurance services. This particular form of organization tends to be better, especially when the company works by selling services, for example car insurance.

Another good reason is that Go Auto Insurance sells only car insurance, without any bundling option with other types of coverage policies. Therefore, the entire procedures from asking for quotes to filing claims are more easily implemented and detailed, and this is good for both the company and the customers. The coverage options, although they have to comply with Arkansas DMV indeed, are more customizable compared to those offered by companies that have bundling options. Especially for customers, the company has less control over the claims because there are no restrictions due to other types of coverage policies included in any bundle.

Going for Good Auto Insurance

There are only a few states that still implement the no-fault regulation, meaning there will be payout even when you are liable for accidents or property damage. Another strange thing is the fact that insurance company can cancel your policy for various reasons for examples serious traffic violation or felony, repeated offenses, DUI, lapses, and more.

If you insurer issues a termination or cancelation of your policy, it is possible that you are now a high-risk driver. For such driver, possibility to get another insurance coverage is very low. A good way to acquire coverage is by purchasing it from the non-standard insurance market.

What is the high-risk driver?

There are more than several ways to define what high-risk driver means. Some insurance companies just use the term to represent a particular type of drivers who do not meet the requirements to get an insurance policy. However, requirements to get insurance vary from company to company. The term can also refer to drivers who have a bigger chance of getting into accidents due to physical or psychological limitations such as reduced visibility and lack of experience.

Someone with multiple traffic tickets is probably high risk too. High-risk drivers are those with strong tendency to file claims. For standard market insurers, more claims mean more payout, and this is not a real business.

While it is hard to figure out a definitive description of high-risk driver, there are some common reasons why someone is classified as high risk:

Having a Traffic Violation: committing a serious traffic violation puts a bad score on your driving record. A violation or involvement in an accident that causes death, or severe injury is a significant factor in high-risk classification. Some insurance companies offer additional coverage to waive single violation for a fee, but some other insurers do not have such feature. If there is no way to waive a violation, chances are you are now officially high risk.

Being a Teen Driver: most people start to drive as teenagers. When applying insurance for the first time, some companies will regard you as a driver with the lack of experience on the road. With not enough experience, insurers are reluctant to provide coverage.

DUI: this is a serious violation in most states. Driving under the influence of alcohol or drugs is dangerous for yourself and other people. It opens the door for reckless driving, and serious consequences including severe injuries in case accident happen. A driver with DUI record is not likely to get insurance from the standard market.

Bad credit score: as unfair as it may seem, some insurers use a credit score to determine application approval. Bad credit score has correlations with the possibility of missing an insurance payment. This is not the ideal customer.

High-risk cars: particular car models including sport, antique, supercars, and collectibles are expensive to repair. They are also a potential target of theft, rendering them high-risk insurance customers.

Non-standard Insurance Market

If a low-risk driver can purchase insurance from the standard market, the high-risk ones can acquire the same thing from the non-standard counterpart. In many cases, the non-standard market is more expensive, but it does not mean that high-risk drivers cannot get affordable coverage. As a company that focuses on the non-standard market, Good to Go Auto Insurance still offers a broad range of discounts and several payment options to make your expenses more manageable.

There are three types of cuts including Driver Discount, Vehicle Discount, and Policy Discount. Each category includes various offers, allowing for more than 40% of discounts on premium fee. Good to Go Auto Insurance has three payment options including monthly installments, quarterly payments, and annual payment, which comes with 31% discount. Most types of discounts from the company require only simple eligibility requirements for examples completing the defensive driving course, installing safety features on the car, activating text blocking device, and some other necessary details. For customers who own dwelling place on their lands, there are homeownership discounts.

Another interesting fact about Good to Go Auto Insurance is that it works within a network of subsidiaries of American Independent Companies, Inc. The branches cover most states in the country and Good to Go Insurance makes sure that your coverage complies with state’s laws regardless of where you live. Quotes from Good2Go Insurance are available for free and accessible from the official website of the company.

Although Good to Go Auto Insurance is popular for its non-standard coverage, which is often associated with state’s minimum coverage requirements, optional coverage such as Comprehensive and Collision are also available. Good to Go Insurance recommends that you also purchase both additional coverage types for better protection on the road. With the amount of saving you can get from the available discounts, adding more protection is still a manageable expense.

Go Auto Insurance – Specific Offers for Specific Needs

Bundled insurance coverage for house, health, life, and car often gives cost-saving benefit, but some people simply choose to separate their policies because this can often provide better quality of services, for example with auto insurance. Being an insurance company that specifically offers auto insurance policies, Go Auto Insurance does not even sell coverage for motorcycle, boat, or any other type of vehicle. It specializes in providing coverage for all car drivers in Arkansas. Moreover, it is also different from most companies in this industry because it is a family-oriented company which does not publicly trade their shares. Based on those two characteristics, there are plenty of great benefits for customers, including but not limited to the following:

1. Personalized options

One of the biggest benefits of purchasing auto insurance only without bundling it with other policies is the possibility to personalize more options, for example the quotes and payment. Since Go Auto Insurance only sells coverage policies for cars, customers are able to adjust their options without any additional fees. In most cases, there are always less restricting rules about how you pay, or what types of coverage to purchase, and other limitations commonly found in bundled insurance.

2. Non-commissioned agents

You may find yourself in a situation where an insurance agent is determined to persuade you to purchase the insurance from a particular company. The main reason is that the agent may earn some commissions for every sale they make. Go Auto Insurance does have agents, but they are non-commissioned, meaning you only pay for what you get without additional fee for the services provided by the agents.

3. Focus and simplicity

As mentioned earlier, Go Auto Insurance only offers coverage policies for cars. This mindset allows the company to easily focus on a specific field so that everything is handled properly without involving any complexity of a bundled insurance. More than that, all processes from asking for quotes, making a purchase, to filing a claim are simple for customers. Bundled insurance, in one way or another, tends to lead customers to give less detailed attentions to every policy they have. Go Auto Insurance does not deal with any other type of policy, allowing you and the company to discuss and handle all matters more specifically which often leads to better results for both parties.