Editors’ take: GoAuto offers basic coverage options in just a few states. GoAuto could be an excellent option for those interested in flexible payment options while using a mobile app to take care of their low-cost policy. GoAuto won’t be a fit for those looking for extensive discounts or saving via bundling.
What you need to know about GoAuto auto insurance
The company describes its business model as family-oriented and community-driven. It claims to provide affordable auto insurance options using a direct-to-customer quote process, offering custom payment plans and forgoing policy add-ons.
Flexible payment options
GoAuto insurance customers can use various methods to pay their monthly auto insurance premium. Payments are accepted online, over the phone, via a local sales office or on the app.
Mobile app
You can use GoAuto’s mobile app to report a claim, make a payment, manage your policy and view your policy documents and ID card. As of April 2023, the app had a 3.7-star average review on the Google Play Store and 2.4 stars on the Apple App Store.
No commissioned agents
GoAuto uses a direct-to-consumer model to provide car insurance to customers without going through commissioned agents, which can help keep costs low.
Some insurance companies sell policies through independent agents who work for multiple companies or represent a single company. When a customer buys an insurance policy through one of these agents, the agent typically gets a percentage of the premium as compensation.
When a company sells the policy directly to the customer as GoAuto does, it might pass the additional savings on to the customer.