Good to go insurance is a provider of independent insurance agents working in a broad range of insurance policies. Unlike captive agents provided by and working for insurers, an independent agent works on customers’ behalf throughout the process of insurance purchase. The agent can be considered your representative to bridge communication between you and insurance company.
In times when you need to compare premium rates, review coverage options, file claims, or consult regarding insurance issues, and independent agent can provide relevant services. It is your best bet to get the best bundled or non-bundled coverage with the best price.
In independent agent can also help find the most affordable combination of services and coverage without eliminating the most significant financial protection based on your circumstances. If you live in Texas, good to go Insurance offers its services in the state.
Auto Insurance in Wisconsin
In Wisconsin, the minimum coverage requirements for auto insurance include Liability and Uninsured/Underinsured. Liability coverage is comprised of the following:
- Bodily Injury or death per person with the minimum limit of $25,000
- Bodily Injury or death for multiple people per accident with the minimum limit of $50,000
- Property Damage with the minimum limit of $10,000
Liability coverage is your financial protection in the event of an accident in which you are at fault. The payout is given to the other party who is injured and whose properties are damaged due to the accident. To cover your injury or property damage, you need a set of separate coverage types. Another coverage required in Wisconsin is Uninsured/Underinsured, which includes the following limits:
- $100,000 for injuries per person
- $300,000 for multi-person injuries per accident
Unlike Liability, Uninsured/Underinsured coverage provides the payout for you. Nevertheless, it only applies when the accident is caused by someone who does not have insurance (uninsured) or whose insurance limit is insufficient (underinsured).
Roles of the Agency
Any insurance provider does not pay independent agents based on the number of insurance policies that they sell to customers. Because the agents work for customers, you are allowed to negotiate the fees involved and the payment methods. The primary role of the agents is to provide the best possible insurance policies at the most affordable price. Of course, the minimum coverage requirements are must-purchase by state’s law, but the optional coverage sets big difference in total amount of premium.
In Wisconsin, the conventional optional coverage includes Collision, Comprehensive, Towing & Labor, Medical Payments, and Rental Reimbursement. Insurers set different prices and possibly different perils for optional coverage. Good to go insurance helps you to determine the best coverage depending on your needs and financial situations.
High-risk Drivers Are Not Always Bad Drivers
The most frequent misconception about high-risk drivers is that they are most of the times considered bad drivers. In reality, the term “high-risk driver” simply indicates there is a bigger possibility for the driver to file claims due to various reasons. Of course, one of the most prevalent reasons is being involved in an accident or committing traffic law violations, but those are not the only possible circumstances to increase the likelihood of filing insurance claims. Regardless of the causes, most insurers will reject such customers or cancel the coverage policies to prevent expensive recurrent payout. When most other companies say “no”, Good2Go Insurance will gladly provide you all the required coverage to get you back on the road again.
When your driving record is filled with plenty of traffic tickets and documentations of other unfortunate road accidents, you are most likely regarded as a high-risk driver by most companies, and you will probably have to deal with rejections anytime you apply to a new insurer. Driving record is not the only variable to determine whether or not you are a high-risk driver because your vehicle/car also plays a significant role in this case. Certain types of cars such as exotic, classic, sports, and supercars are expensive to purchase and insure. The main reason is that they are luxurious vehicle and common targets for thieves. Also, in case you are involved in an accident, the repair cost can be catastrophically expensive. You will need non-standard coverage for such cars, and most insurers will avoid providing it simply because the car is too risky to cover. The company has been providing coverage for high-risk drivers for more than 25 years now; with its extensive experience, rest assured that the right company adequately covers your car.
Another important variable is driver’s age.
Both young and old drivers can be considered high-risk for different reasons. Young drivers do not have enough experience on the road, and they are probably unaware of or cannot understand most road signs at many different routes. On the other hand, experienced senior drivers have limitations concerning vision and hearing due to the aging process. Both categories may find difficulties in the search for an insurance company, but the company is always available. Even better, the company will not only provide the coverage to help you comply with your states’ law, but it also offers various discounts for senior drivers and students. Please put in mind that non-standard coverage is usually expensive, but the total savings from Good2Go Insurance discounts can significantly reduce the total cost of the premium.