Saving Money on Car Insurance: How to Go Auto Insurance Can Help
Are you tired of paying exorbitant amounts for your car insurance? Are you looking for a way to save money while still having the necessary coverage? Look no further than Go Auto Insurance! With their affordable rates and comprehensive coverage options, Go Auto Insurance is here to help you put more money back in your pocket. In this blog post, we’ll look at what Go Auto Insurance offers and how they can help you save on your car insurance premiums. So buckle up and get ready to discover the benefits of choosing Go Auto Insurance!
What is Go Auto Insurance?
Go Auto Insurance is a well-known name in the car insurance industry. But what exactly is Go Auto Insurance? Simply put, it’s an insurance company that provides coverage for your vehicle at affordable rates. With Go Auto Insurance, you can protect yourself and your car without breaking the bank.
One of the key features of Go Auto Insurance is its commitment to offering competitive rates to its customers. They understand that everyone wants to save money on their car insurance, so they strive to provide affordable options without compromising quality.
Another great thing about Go Auto Insurance is that they offer different types of coverage to suit your needs. Whether you’re looking for basic liability coverage or comprehensive coverage with added benefits, they have options for you. This allows you to customize your policy based on what matters most.
Getting a quote from Go Auto Insurance is quick and easy. You can either visit their website or give them a call and speak with one of their knowledgeable agents, who will guide you through the process. It’s convenient and hassle-free!
If you want to save money on car insurance without sacrificing quality coverage, consider checking out Go Auto Insurance. Their competitive rates and customizable policies make them a top choice among drivers seeking affordable vehicle protection.
How Go Auto Insurance Can Help You Save Money on Car Insurance
To help you find the most savings, we’ve compiled a list of common car insurance discounts. Most auto insurers, including those in our rating of the Best Car Insurance Companies, offer discounts that fit into one of these categories:
- Policy discounts
- Driver behavior discounts
- Driver characteristic discounts
- Affinity discounts
- Vehicle-based discounts
Remember that this isn’t a complete list of available discounts. Discounts and eligibility requirements vary by insurer and state. The best way to find out what’s available is to contact your insurer.
Or, if you’re currently looking for new coverage, make sure to ask about available discounts and whether you or other drivers on your policy meet the eligibility requirements.
Bundling or multipolicy discounts
If you purchase two or more insurance policies from the same insurer – auto, home, renters, etc. – you may be eligible for a multi-policy or bundling discount. You may also be able to get a discount for insuring two or more vehicles through the same insurer, which is typically called a multi-car discount.
Bundling discounts and eligibility vary by insurer but are among the most common auto insurance discounts available.
The biggest advantage of bundling is the potential savings. Another benefit is the convenience of managing all your insurance policies on the same website or by calling the same customer service number.
One drawback to bundling your car insurance is that you may not save that much. You may pay less overall if you don’t bundle policies, especially if you own a collectible or hard-to-insure vehicle.
Does bundling car insurance save money?
The average car insurance policy costs $1,547 annually, according to our analysis of car insurance rates. Hence, it’s easy to see the appeal of lowering your premium through bundling.
Insurers in our rating of the Best Home and Auto Insurance Bundles offer discounts of 10% to 25% or more for combining policies. But there’s no guarantee that your discount will be as significant. By researching and comparing quotes from multiple insurers, you’ll only know if bundling is right for you.
The Insurance Information Institute (III) recommends comparing quotes from at least three insurance companies. Many insurers will provide you with a free auto insurance quote online, over the phone, or in person with a licensed agent.
Policy renewal/loyalty discounts
Insurance companies want to keep your business, and many will reward you with lower rates if you continue to renew your policy. If your renewal is approaching, contact your insurer to find out if you’re eligible for a loyalty discount.
That said, you should still explore other options. Even if your insurer does offer a loyalty discount, it may not be enough to beat lower rates offered by other insurers.
When policyholders pay their entire premium up front, they can often receive a paid-in-full discount from their insurer. If you’re purchasing a new policy, you may see paid-in-full discounts when you complete the quote process. If you renew an existing policy, contact your insurer to determine if paid-in-full discounts are available.
Some insurers also provide auto insurance discounts to policyholders who pay their premiums quarterly or semiannually instead of monthly. If making a full payment isn’t in your budget, find out if the insurer offers other payment schedule discounts.
Automatic payment discounts
Many car insurance companies reward policyholders who choose automatic payments. You can typically set up automatic payments using an electronic funds transfer (EFT) from your checking account or recurring payments using your debit or credit card.
Automatic payments can also be a great way to ensure your coverage doesn’t lapse, but they aren’t without drawbacks. If you choose automatic payments, you must have the funds available for withdrawal by your payment schedule.
If the funds aren’t available, you may be responsible for fees and penalties from your bank and insurer. It’s also possible that your insurer will cancel your policy for nonpayment.
Many companies entice policyholders to go paperless. Opting into a paperless feature generally means your bills and any other policy correspondence or documentation will be delivered via email, accessible online, or available through the company’s app.
Good driving discounts
If you have a clean driving record, meaning your driving history is free from accidents, speeding tickets, and other violations, your insurer will see you as a low-risk driver. That can earn you lower premiums in general, but some insurers also offer a good driver discount.
Depending on the insurer, You may still be eligible even if you haven’t had an accident or violation within the past three to five years.
Usage-based insurance discounts
Usage-based insurance (UBI) programs allow insurance companies to track key metrics, like speed, braking, and mileage, using a mobile app or a tracking device installed in your vehicle.
This type of program, sometimes referred to as black box car insurance, allows an insurer to tailor rates based on your driving habits and performance. UBI programs encourage safer, smarter driving to help lower your risk of getting into or causing an accident.
Some companies offer discounts to drivers who enroll in UBI programs.
Defensive driving discounts
A defensive driving course can help you become a safer driver, and depending on your insurer and where you live, it may even lead to lower car insurance rates. Many insurers reward drivers who take defensive driving courses by extending a discount once the course is completed.
Some providers offer these discounts to all their policyholders, while others offer them only to a specific group of drivers, like seniors or teens.
The less you drive, the lower the risk to you and your insurance provider. That’s why many auto insurers offer discounts for those driving fewer miles yearly. The definition of “low mileage” varies by insurer, but if you drive fewer than 13,500 (the national average), it’s worth asking your insurer about potential discounts.
Good student discounts
Teen and young adult drivers generally have higher insurance rates, but good students (and their parents) may be able to unlock lower rates with good grades. Most of the car insurance companies we analyzed offer discounts for drivers who are full-time students and maintain good grades.
The definition of “good” differs by the insurer, so if you think it may apply to you or a driver on your policy, contact your insurer to find out.
Distant student discounts
If a student driver is on your policy and they’re away at school, you may qualify for a discount if their car stays home. Generally, the student must be enrolled full-time and be at least 100 miles away from home, but requirements and eligibility may vary by insurer.
Some employers negotiate bulk auto insurance rates for their employees. If yours does, you may be able to get a discount while you work there. Remember that these discounts are tied to your employment and will likely end if you are unemployed.
Even if your employer does have an agreement with a specific insurer, it’s still a good idea to look around. You may be able to find a lower rate elsewhere.
Many top auto insurance companies offer perks for policyholders working in a specific field. Exactly which professions qualify for savings vary, but teachers and first responders are often included.
This type of discount is available to members of specific organizations, which varies by insurer. For instance, some insurers will give discounts to policyholders with an AARP card. Others may give you a percentage off if you are a member of an alumni association.
Military and veteran discounts
If you or another driver on your policy is a military community member, you may be eligible for lower rates. Many insurers offer military or veteran discounts to honour those that serve.
If this applies to you, it’s also a good idea to look into USAA car insurance exclusive to military members and their families. Its rates are among the lowest of those we’ve analyzed.
Read more about USAA and car insurance for military and veterans.
Safety equipment discounts
Vehicle safety features can protect drivers and passengers, potentially creating less risk for insurance companies. Though not all companies have safety equipment discounts, some do. If you have common safety features – e.g., airbags, anti-lock brakes, etc. – in your vehicle, ask your insurer about available discounts.
Anti-theft feature discounts
Like safety features, anti-theft devices can decrease the risk of insuring your vehicle. Not all insurers offer this type of discount, but if you have an anti-theft system in your vehicle, it’s worth contacting your insurer to find out if you’re eligible for savings.
New vehicle discounts
Some car insurance providers will offer discounts for policyholders who drive new cars. While the definition of “new” varies by insurer, driving a car less than three years old could earn a percentage off your premium.
Below, you’ll find more ways to save as much as possible on your auto insurance policy.
Shop around when it’s time to renew
The Insurance Information Institute (III) recommends getting quotes from at least three insurance companies whenever looking for a new policy. Insurance rates vary widely from driver to driver and state to state, so you might be surprised to find out which company is the cheapest for you.
One thing to remember: Be sure to get multiple quotes for the same types and levels of coverage to give you an accurate comparison.
Call an agent for personalized coverage
Independent insurance agents can help you search for policies and the lowest rates. And by picking up the phone, you can talk to someone who can help you find discounts or specialized coverage that you might not be able to find online. Independent agents are not tied to a specific insurance company so they can help with quotes from multiple insurers.
Insurance brokers can also help you explore options across various companies. However, they cannot officially sell you the policy or bind coverage as licensed insurance agents can. They also typically charge fees.
Raise your deductible or lower your coverage
When you raise your deductible or lower your coverage, you get lower premiums. This strategy can be especially beneficial as your car loses value and won’t cost as much to repair. However, you’re taking a risk that you’ll have to pay more out of pocket if you are in a crash or your car is damaged some other way.
Maintain good credit
Good credit can show an insurer that you have a history of paying your bills on time. As such, drivers with good credit often pay lower rates than those with poor credit. If you have poor credit, improving your score may help lower your rates.
Learn how insurers may use your credit score to calculate an insurance score to help predict the likelihood you’ll file a claim.
Check insurance rates before buying a new car
It’s no secret that it costs more to insure some cars than others. For example, cars with greater theft rates or powerful engines may have higher premiums. But did you know you can check to see how a new car will affect your policy before buying it?
Before signing the paperwork, contact your insurance agent with the vehicle identification number (VIN) of the car you’re considering, and they can advise on how it will impact your premium.
Don’t pay for coverage you don’t need
Many consumers pay for car insurance products and add-ons they don’t need. For example, if you have roadside assistance from AAA, you don’t need to pay for that coverage again through your insurance company.
This can also happen with gap insurance Many people continue paying for this feature after they no longer need it. It may also be automatically included in your financing or leasing company agreement.
If you have reached a position of positive equity on your car loan or lease, meaning the amount you have left to pay is small, you can save money by dropping your gap insurance. Note, however, that some leasing companies require gap coverage to be in place for the duration of the lease.
Before making this move, however, you should also consider your level of risk tolerance. If it would stress you out to completely remove the coverages, look for a balance of cost and deductible that would make you feel comfortable. You may be able to make some changes to save yourself money without eliminating these coverages.
Don’t over-insure an old car
Almost all vehicles decline in value as they age. At some point in a car’s life, buying collision and comprehensive insurance is no longer worth the expense. This is especially true if you have high deductibles on those coverages and still pay a hefty premium.
If your vehicle’s value has declined to the point where you could replace it out of pocket without too much financial strain, you might consider removing the comprehensive and collision coverage from your policy.
What kinds of policies can you bundle?
Insurers commonly advertise discounts when you bundle your auto and renters or home insurance. Still, you may be eligible for additional savings by bundling other policies, including boat, motorcycle, or life insurance.
The Different Types of Coverage Offered by Go Auto Insurance
Regarding car insurance, having the right coverage is essential. Go Auto Insurance understands this and offers. Whether you’re looking for basic liability insurance or more comprehensive coverage, they have you covered.
One type of coverage offered by Go Auto Insurance is liability insurance. This type of coverage helps protect you financially. It’s important to have enough liability coverage to protect your assets in case of a lawsuit.
Collision insurance is another option provided by Go Auto Insurance. This type of coverage helps pay for repairs or replacement if your vehicle is damaged due to colliding with another object, such as another vehicle or a tree. Collision insurance can help give you peace of mind knowing that your car will be taken care of in the event of an accident.
Comprehensive insurance is yet another offering from Go Auto Insurance. This coverage protects against damage not caused by collisions, such as theft, vandalism, or natural disasters like hailstorms and floods. Comprehensive insurance can be especially valuable if you live in an area prone to these incidents.
Go Auto Insurance also offers personal injury protection (PIP) coverage. PIP helps cover medical expenses for injuries you and your passengers sustained in an accident, regardless of who was at fault. It can also reimburse lost wages and other non-medical expenses related to the accident.
In addition to these types of coverage, Go Auto Insurance provides uninsured/underinsured motorist protection. This kind of policy safeguards against drivers who don’t have sufficient auto insurance or any at all, ensuring that you’ll still be protected even if the other party involved lacks adequate coverage.
With so many different types of coverage available throughGoAutoInsurance, you can customizeyourpolicyto fit your unique needs and budget.
Whetherit’sliabilityinsurance,collisioncoverageorcomprehensive protection, GoAutoInsurancehasyoucovered. Don’t leave your car unprotected
How to Get a Quote from Go Auto Insurance
Getting a quote for your car insurance is essential in finding the best coverage at the most affordable price. With Go Auto Insurance, getting a quote is quick and straightforward.
To start, simply visit their website and navigate to the “Get a Quote” section. You’ll be asked to provide basic information about yourself, such as your name, contact details, and address. Next, you’ll need to input details about your vehicle, including its make, model, year of manufacture, and any additional features or modifications.
Once you’ve entered all the necessary information, Go Auto Insurance will provide a personalized quote based on your driving history and location. They consider various factors that can affect your premium rates so that they can offer you the best possible price.
If you have any questions or concerns during the quoting process, don’t hesitate to contact their customer service team. They are always available to assist you and ensure you understand all aspects of your quote.
Remember that obtaining multiple quotes from different providers is crucial when shopping for car insurance. This allows you to compare prices and coverage options effectively. However, remember that Go Auto Insurance offers competitive rates without compromising on quality coverage.
Obtaining a quote from Go Auto Insurance is simple and hassle-free. Visit their website’s “Get a Quote” section and enter relevant information about yourself and your vehicle. Their customer service team is always ready to help if needed! So why wait? Get started today in saving money on car insurance with Go Auto Insurance
In today’s fast-paced world, saving money on car insurance is a top priority for many individuals. With rising living costs and maintaining a vehicle, finding an affordable and reliable insurance provider can make all the difference. That’s where Go Auto Insurance comes in.
Go Auto Insurance offers various coverage options tailored to your specific needs. Whether you’re looking for basic liability coverage or more comprehensive protection, they have you covered. Their team of experts works tirelessly to ensure you get the best possible rates without compromising quality.
By choosing Go Auto Insurance, you can save money on your car insurance premiums while enjoying excellent coverage. With their extensive network of trusted partners and providers, they can negotiate competitive rates that fit within your budget.
Getting a quote from Go Auto Insurance is quick and easy. Simply visit their website or give them a call to speak with one of their friendly representatives, who will guide you through the process step by step. They will consider factors such as your driving record, age, and vehicle type to provide an accurate quote that reflects your unique circumstances.
So why wait? Start saving money on car insurance today by choosing Go Auto Insurance as your trusted provider. With their commitment to exceptional customer service and unbeatable rates, it’s no wonder why so many individuals across the country turn to them for all their insurance needs.
Remember, when it comes to protecting yourself and your vehicle on the road, there’s no better choice than Go Auto Insurance! Get started now and experience peace of mind knowing you have reliable coverage at an affordable price.