There are two types of drivers on the road: low risk and high risk. The former indicates that the drivers who fall into this category have clean driving records, enough driving experiences, excellent premium payment history, and in some cases, good credit history as well. Insurers consider them ideal consumers because they are unlikely to file claims.
High-risk drivers are simply the opposite of their low-risk counterparts.
There are various reasons why someone falls into this group. Major traffic violations are the most obvious causes, and it can be many things from excessive speeding to DUI. Involvement in accidents in the past is also a factor that determines whether or not you are high risk. When you receive a traffic ticket, your local DMV keeps that record, and your insurance company is going to ask for that record before every renewal.
There is no point of faking an insurance application form for the sake of paying less because the insurance company is going to figure out everything. If you are the high-risk driver, chances are you cannot purchase an insurance policy from the standard market because you are not standard consumers. There is a separate market for that called assigned risk or non-standard coverage. Good to Go Insurance is one of few companies that specializes in providing insurance policies for high-risk drivers across the U.S.
Just because you are a high-risk driver, it does not mean that you will not be able to get affordable insurance coverage. You can always compare prices between many different insurers to find one that provides what you need without compromising your financial circumstances.
A good way to save money on non-standard coverage is to omit typical optional offers such as Roadside Assistance, Rental Reimbursement, Comprehensive, and Collision. It means you purchase only the mandatory coverage based on the auto insurance rules regulated by state’s laws. However, every state has different requirements. Most states require bodily injury and property damage liability coverage, but each state has its minimum coverage limits.
Some states still apply no-fault insurance too.
Concerning these differences, Good to Go Insurance is working within a vast network of insurers under the same parent company, American Independent Companies, Inc. Together, the subsidiaries of this parent company have the license to sell and underwrite insurance policies in most states in the country. Good to Go Auto Insurance makes sure that all applicants get at least the minimum coverage requirements regardless of where they live. It can refer you to other underwriters to make the application processing easier.
Besides providing basic coverage based on state’s regulation, Good to Go Insurance offers various discounts to reduce your premium even more. Discounts are great ways to save money considering you are eligible. If multiple discounts are applicable to your policy, the total amount of savings can reach up to 40% or even more. Discounts are available in three major categories including Driver, Policy, and Auto. Brief explanation of each category is as follows:
Category
Type
Savings
Driver Discounts
Defensive Driving Course
15%
Driver’s Education
10%
Good Student
10%
Homeownership
8%
Non-Owner
25%
Policy Discounts
Multi-Car
32%
Paid-in-Full
31%
Prior Insurance
40%
Renewal
15%
Auto Discounts
Cell Phone Safety
5%
Airbag and Passive Restraint
5%
Anti-Theft System and VIN Etching
5%
Availability of each discount and the total amount of savings vary by state.
Another good thing about Good to Go Insurance is the easy application procedure. Instead of asking for details of your driving records, credit card score/history, and other sensitive information, the company only requires basic personal data to get the coverage you need. If your state’s regulation requires you to confirm your insurance purchase, Good to Go Auto Insurance provides help to do this, so there are only a few things to do on your part.
Although the state’s minimum coverage requirements are enough to get you back on the road legally, purchasing optional coverage is advisable. Bodily Injury and Property Damage are the type of financial responsibility to others. In the event of an accident, you are probably liable for other people’s injuries and property damage. The insurance company will provide payout not for you, but for the other party. To financially protect your vehicle, you must purchase separate coverage, for examples Collision and Comprehensive. Good to Go Insurance provides both, but they are not mandatory. Collision covers vehicle damage due to an accident, so repairs or replacement parts are no longer your financial burdens. Deductibles may apply depending on your policy. Comprehensive is similar to Collision, but it deals with non-accident causes such as vandalism, theft, falling object, and fire.
Insurance quotes from Good to Go Insurance are available for free. You can ask for it via the official website of the company and retrieve your quote from the website as well. Filing claims via the website is also possible; it is open 24/7, so it does not matter if any accident happens during weekend or holidays.
How to Save On Senior Auto Insurance
Ever been in a situation where you are in a hurry to get somewhere and driving on the freeway with such speed then you suddenly see yourself come behind a car on same fast lane going slow, even slower than those on other lanes? You try as much to get the slow driver to move faster; flashing your vehicle light and all you could to no avail. You finally get to move past the slow driver and while getting by car, you realized the driver is an elderly and you simply drive ahead and wander along. It is a fact that senior citizens drive safely much more than the youths and have better rates.
What You Can Do to Get Cheap Insurance for Your Car
With so many auto insurance companies across the nation, finding an affordable insurance for your vehicle can be either easy or difficult. It is easy because those companies are in the middle of a competition which may force them to lower the premium. It is also difficult since the cheapest one is not always the most dependable.
Auto insurance used to be a complicated process full of lengthy discussions with captive agent
As technologies improve and communication has become easier than ever, buyers no longer need to wait for several days to get quotes and make the purchase.
