Finding affordable car insurance can feel like an uphill battle these days. Premiums are skyrocketing yet it’s illegal to drive without coverage. That’s why drivers in the Dothan Alabama area are giving I Go Insurance a try. This local company offers competitive rates along with personalized service.
As an I Go Insurance customer myself, I wanted to share an honest review about using them for auto insurance in Dothan. I’ll cover how their prices compare, what coverage options they offer, and what it’s like working with them for claims or customer service needs.
An Overview of I Go Insurance in Dothan, AL
I Go Insurance is based in Dothan, AL with several branch locations scattered across the southeast part of the state. Here’s a quick rundown of their company
- Locally owned agency operating since 2013
- Specializes exclusively in auto insurance
- Has physical office locations in 9 cities including Dothan
- Offer policies at rates up to 30% lower than competitors
- Focus on customer service and community involvement
They sell directly to consumers without any agents. You can get a fast quote online, over the phone, or by dropping by their Dothan office.
How I Go Insurance Rates Compare in Dothan
Obviously price is a top consideration when shopping for car insurance. Based on my experience, here’s how I Go Insurance premiums stack up versus other companies in Dothan
Full Coverage Policy
- Male age 30
- 2015 Honda Civic
- 100/300/100 coverage limits
- $500 deductibles
- Good credit and clean record
| Company | 6 Month Premium |
|---|---|
| State Farm | $950 |
| Allstate | $870 |
| I Go Insurance | $780 |
For full coverage, I Go Insurance offered a policy about 10-15% cheaper than major brands in Dothan.
Minimum Liability Policy
- Female age 19
- 2009 Ford Focus
- 25/50/25 minimum limits
- Minimum liability only
- 1 speeding ticket
| Company | 6 Month Premium |
|---|---|
| State Farm | $1,650 |
| Allstate | $1,520 |
| I Go Insurance | $980 |
The savings jumped up to 20-40% compared to big names for minimum coverage.
Medium Coverage Policy
- Male age 45
- 2012 Toyota Camry
- 100/300/50 limits
- $500 deductibles
- Average credit
| Company | 6 Month Premium |
|---|---|
| State Farm | $1,150 |
| Allstate | $1,250 |
| I Go Insurance | $890 |
For drivers with mediocre rates, I Go Insurance offered premiums up to 30% lower than leading brands.
Based on these comparisons, their reputation for affordable pricing in the Dothan area certainly seems accurate.
I Go Insurance Coverage Options in Dothan, AL
In addition to competitive base rates, I Go Insurance also offers a good selection of important add-ons and extras:
Liability Limits
- Meet state minimums or customize higher amounts
- Bundles like 100/300/100 readily available
Comprehensive & Collision
- $500, $1000, $2500 deductible options
- Can omit collision on older cars to save
Uninsured Motorist
- Match your liability limits
- Protects against uninsured drivers
Medical Payments
- $1000 to $10,000 limit options
- Covers medical bills from auto accident
Roadside Assistance
- Towing, tire changes, gas delivery
- Jump starts, lockout service, winching
The ability to fine tune your policy with add-ons gives flexibility to get the right protection.
Handling Claims and Customer Service
Beyond just premiums and coverage, the quality of service for claims and support is crucial for an insurer. Here’s how I Go Insurance stacks up in that regard:
Claims Process
- Available 24/7 claims hotline
- Directly work with I Go adjusters
- No need for police report on minor claims
- Set up rental car reimbursement
Customer Support
- Phone, email, and in-person options
- Live chat via their website
- Dedicated local reps in Dothan office
- No long hold times or robotic menus
Payment Flexibility
- Pay in full or installment plans
- Automatic bank draft or manual payments
- Payment extensions and adjustments
Based on my experience, their local service team is extremely responsive. I never felt like just another number.
The Bottom Line – Is I Go Insurance Worth Considering in Dothan?
Overall I Go Insurance delivers great value for drivers in the Dothan, Alabama region. Here are some key advantages I found using them for auto insurance:
Pros
- Competitive premium prices
- Good array of coverage add-ons
- Top-notch local customer service
- Flexible payment options
- Support community growth in Dothan
Cons
- Limited to auto insurance only
- Fewer discounts than mega-brands
- Can’t bundle home or life insurance
For auto insurance specifically, I Go Insurance is tough to beat in the Dothan area. Just be aware they specialize in car insurance only at this time.
The bottom line in my experience is that I Go Insurance offers high quality insurance tailored to the needs of Dothan area drivers. I highly recommend getting a fast quote from them anytime you need to renew or replace your auto policy.
Have you insured your vehicle with I Go Insurance in Dothan, AL? I’d love to hear about your experience in the comments!
The value of an independent insurance agent
Independent agents dont work for an insurance company; instead, they sell insurance from multiple companies. That means there is always someone on your side who can help you find the best policy and save you money. And as your needs change, your agent will be there to make sure you have the right protection.