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Sep092014

11:03:51 am

Go Auto Insurance – Quality Can Be Inexpensive


General Overview



When it
comes to car insurance, the price can be expensive due to additional fee or
commission paid to the agents or other extra cost for making adjustments to the
policy, payment method, etc. All those extra costs are actually not necessary
if only the customer buys directly from the company instead of through an agent
or middle-man. In reality, it is not necessarily a difficult problem since consumers
can contact the company to send application via Internet nowadays. In the past,
the only way to purchase auto insurance is through an agent, but Internet
changes the old-school method by allowing direct communication and transaction
between consumers and providers, eliminating the needs for middle-man or agent.
Of course, it is possible that consumers have their own independent agent, but
this type of agent does not work for the company so the additional fee exists
only because the consumers want to hire the agents.



 



 



Privately-held Company



 



A major difference between Go
Auto Insurance and most other insurers is that it is privately owned by small
number of shareholder; in fact, it is a family-oriented company. It does not
offer shares or stocks to the public through the stock market exchanges. The
biggest benefit is that Go Auto Insurance has less restriction in its business
operations and can focus on long terms growth and providing best values to
consumers instead of on quarterly earnings and financial reports to all
shareholders. Moreover, since there is only small number of shareholders, the
company is also more flexible in terms of making changes, taking actions,
making company policies without any delay. It is easier to ask approvals from
only few shareholders. In other words, Go Auto Insurance is not run by the Wall
Street, and it allows the company to keep on focusing on providing best quality
car insurance for consumers rather than making huge profits to please the
entire shareholders in the stock exchange market.



 



No Commission – Less Expensive



 



Providing agents is a common
practice in the car insurance industry; insurance agents who work for insurance
companies are called captive agents. It is their jobs to market their services
or persuade people to purchase insurance from them. They are commissioned
agents, meaning they get paid for every customer who makes purchase. They are
totally different from independent agents who work for you and help you to make
decisions concerning, for example the best coverage and best company based on
your financial circumstances. Independent agents do not work for the company.
It depends on the customers whether or not they want to use independent agents.
Go Auto Insurance does provide agents, but they are not commissioned agents so
they don’t get paid based on how many sells they make. You can also regard
commissioned agents as middle-men. The absence of middle-men often means less
expensive insurance, since you pay only for the insurance without additional fee
for the services provided by those agents.



 



Make Use of the Internet



 



Internet makes your life easier,
and this is exactly what you get from Go Auto Insurance. Almost all
communications, application, filing claims, and coverage verifications are done
via the Internet. You can even ask quotes and have them sent to your home
address or emails. After you ask for quotes or verify coverage, the
underwriting department of Go Auto Insurance will review the requests. If this
department needs to ask questions and any additional information required for
the processes, you will be contacted via phone or email. If this is about
policy watch, you can also provide your policy number and vehicle registration.
Go Auto Insurance will contact you in case anything occurs to the registered
policy.



 



Everything is done via Internet,
and it makes all processes easier and more accessible. Another good thing is
that you don’t have to make appointments or many phone calls. It is even
possible to file a claim on the official website of Go Auto Insurance. Because
you can do that online, the office is accessible 24 hours a day, 7 days a week.
If any event of accident occurs during holiday such as weekend, you can still
file a claim easily without having to contact any agent.



 



Office Locator



 



Despite the fact that you can do
all necessary communications online, Go Auto Insurance also provides an
office-locator function in the official website. There are 48 offices available
all across Arkansas and you are welcomed to visit any of those in case you need
to ask questions about their services and all related matters. What it means
for consumers is that family-oriented insurance company with only a small
number of shareholders is not always a small company. With numerous branch
offices spread all over the state, it indicates commitment by providing easy access
to all customers in need.



 



No Bundle



 



It is worth mentioning that Go
Auto Insurance does not offer bundling option of any kind; the company only
offers car insurance coverage. The possibility to bundle insurance coverage for
home, health, life, and car is indeed tempting since you can save money by only
purchasing coverage for all your assets from one company only. It does have its
advantages, but there are also probable drawbacks. The price for the overall
insurance coverage can be lower, but there are more things than price to
consider. Bundling options combine all types of coverage, but there are
probably some omissions and reductions of coverage for every particular asset.
You need to look whether certain coverage for your car is reduced or omitted
with the bundling option. This is not always the case, but it is always worth
to ask.



 



Unlike companies that offer
bundling option, Go Auto Insurance works solely to provide insurance coverage
for cars. The obvious advantage is that the company focuses only on specific
matters related to car such accidents, medical payments, rental reimbursement,
repair, and so on. Without bundling, Go Auto Insurance also makes all financial
issues more quickly resolved because costumers have to deal only with coverage
for their vehicles in the policy.



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