Igo insurance is a major insurance company that has been providing coverage to customers for over 50 years. The company was originally founded in 1967 and was initially focused on auto insurance. Over time, igo expanded its offerings to include other types of insurance like home, life, business, and more. Today, igo insurance provides a comprehensive set of insurance products to protect individuals, families, and businesses.
Some of the main types of insurance offered by igo include auto, home, renters, condo, flood, identity theft, boat, motorcycle, RV, classic car, personal articles, pet, and umbrella insurance. For businesses, igo provides general liability, professional liability, workers comp, commercial auto, and commercial property insurance. The company also offers various life insurance products such as term, whole, and universal life insurance.
In terms of geographic coverage, igo insurance operates in over 20 states across the United States. They have a strong presence in the Midwest, East Coast, and Southern states. Some of the major states they operate in include Illinois, Texas, Florida, Pennsylvania, Michigan, and North Carolina. However, igo does not currently provide nationwide coverage in all 50 states. The company headquarters is located in Chicago, Illinois.
Auto Insurance from igo
igo offers a wide range of auto insurance policies to meet your needs, including liability, collision, comprehensive, uninsured motorist, and more.
Liability Coverage
Liability insurance pays for damage that you cause to others in an accident that’s your fault. igo offers:
- Bodily Injury Liability – covers medical bills for people injured in an accident you caused
- Property Damage Liability – covers damage you cause to others’ vehicles and property
Collision and Comprehensive Coverage
These optional coverages pay for damage to your own vehicle from collisions, theft, vandalism, fire, flood, animals, and more.
Uninsured and Underinsured Motorist Coverage
This protects you if you’re hit by a driver who doesn’t have insurance or doesn’t have enough insurance.
Discounts
igo offers many auto insurance discounts, including:
- Multi-vehicle discount
- Safe driver discount
- Low mileage discount
- Good student discount
- Defensive driving discount
Claims and Customer Service
To file a claim, call igo’s 24/7 claims hotline or submit it online. igo has a mobile app to document claim details. Customer reviews praise igo’s fast claims processing and repair estimates. Support is available 24/7 online or by phone.
Home Insurance from igo
Igo insurance offers several types of home insurance policies to meet your needs, whether you own a house or condo. Their standard homeowners insurance policy covers your dwelling and other structures like garages or fences, along with personal property inside your home. It protects against common losses like fire, lightning, windstorms, hail, explosions, theft, and more.
Igo also offers specific coverage options you can add to your homeowners policy for additional protection. These include:
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Flood insurance – Covers water damage from floods, which is typically excluded on standard policies. This is important for homes in flood zones.
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Earthquake insurance – Provides protection against earthquake damage, which most basic policies do not cover. Critical for homes in quake-prone areas.
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Replacement cost coverage – Pays the full cost to replace or rebuild your home and property at current prices, without deductions for depreciation. This ensures you can completely restore your home if a major loss occurs.
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Extended replacement cost – Provides an additional 20% of the policy limit for rebuilding costs, as construction prices can rise after major disasters when demand surges.
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Guaranteed replacement cost – Fully covers rebuilding your home no matter the cost.
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Personal property replacement cost – Replaces your damaged personal belongings at current prices, without depreciation.
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Additional living expenses – Covers hotel stays and other temporary housing if you cannot live in your home due to a covered loss.
Igo offers several discounts on homeowners insurance, including bundling savings if you have multiple policies with them. You can save up to 15% when you insure both your home and auto with igo. Overall, they offer competitive rates and options to fit your specific home insurance needs.
Life Insurance from igo
Life insurance protects your loved ones financially in the event of your death. igo offers several types of life insurance policies to meet different needs:
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Term life insurance – This provides death benefit protection for a set period of time, such as 10, 20, or 30 years. Premiums are usually lower compared to permanent life insurance since term policies expire unless renewed. igo offers renewable term life insurance up to $2 million in coverage.
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Whole life insurance – This offers lifetime protection as long as you pay the premiums. It builds cash value that you can borrow against or withdraw. igo’s whole life policies go up to $1 million in coverage.
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Universal life insurance – This permanent coverage offers flexibility to adjust your premiums and death benefit amounts. igo’s universal life policies provide up to $1 million in coverage.
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Indexed universal life insurance – This links cash value growth to stock market performance while guaranteeing your principal. igo offers indexed universal life insurance up to $1 million in death benefit.
Optional riders and add-ons are available to customize your life insurance policy:
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Accidental death rider – Pays out an additional death benefit if you pass away due to an accident.
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Waiver of premium rider – Waives premium payments if you become disabled and cannot work.
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Living benefits rider – Allows early payout of a portion of the death benefit if diagnosed with a terminal illness.
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Child term rider – Adds term life insurance coverage for your dependent children.
igo’s life insurance policies offer robust coverage to protect your family and fit a wide range of budget and needs. Reach out to an igo agent for personalized quotes and guidance.
Additional Insurance Offerings
In addition to auto, home, and life insurance, igo insurance also offers specialty insurance products to meet the needs of customers.
Rental Insurance
- Coverage for personal belongings and liability when renting a home or apartment
- Options for actual cash value or replacement cost coverage
- Can bundle with auto policy for added discount
Umbrella Insurance
- Provides extra liability coverage above home and auto insurance
- Coverage options usually start at $1 million and go up to $5 million or more
- Helps protect assets in case of lawsuit or major liability incident
Business Insurance
- General liability, property, commercial auto, workers comp for businesses
- Additional coverages like professional liability and cyber insurance
- Specialized plans for contractors, restaurants, retail stores, and more
Travel Insurance
- Covers trip cancellation, interruption, delays
- Provides emergency medical coverage when traveling
- Options for trip delay reimbursement and lost luggage protection
Pet Insurance
- Helps cover veterinary care costs for illnesses, injuries, accidents
- Wellness coverage options for preventive, routine care
- Customizable deductible and reimbursement levels
With this wide range of offerings beyond auto, home, and life, igo insurance aims to be a comprehensive insurance provider for personal and business customers. Their specialty products are designed to protect valuable assets with customized coverage options.
igo Insurance Ratings
igo insurance maintains strong financial ratings from independent agencies that assess insurer financial strength. This indicates igo’s ability to pay out claims.
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A.M. Best, an organization that rates insurer financial strength, has awarded igo an A- (Excellent) rating. This means A.M. Best has assessed igo as having an excellent ability to meet ongoing insurance obligations.
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Standard & Poor’s, another respected financial rating agency, also gives igo high marks with an A+ (Strong) rating for financial strength. This demonstrates igo is well prepared to handle financial challenges.
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For customer satisfaction, J.D. Power ranked igo insurance well above average in a regional 2019 auto insurance satisfaction study. igo scored 3 out of 5 in overall customer satisfaction, surpassing competitors in the region.
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In another J.D. Power 2019 study, this time on homeowners insurance, igo scored 878 out of 1,000 in customer satisfaction, again ranking above regional competitors. This shows igo’s commitment to customer service.
igo’s strong financial ratings combined with high customer satisfaction scores indicate policyholders can depend on igo for financial stability, claims payment, and a positive customer experience. Those looking for reliable insurance should feel confident choosing igo Insurance.
Costs of igo Insurance
igo Insurance offers competitive rates for auto, home, and life insurance compared to other top providers. Their average rates tend to be 10-15% lower than companies like State Farm and Allstate.
One of the best ways to save money with igo is through their extensive discount programs. Drivers can get discounts for having multiple policies with igo, maintaining a good driving record, taking a defensive driving course, insuring multiple vehicles, and more. Homeowners can save by bundling home and auto insurance, installing protective devices like alarm systems, and being claim-free.
igo also offers flexible payment plans to help customers manage costs. For auto and home insurance, you can choose to pay monthly, quarterly, or semi-annually at no extra charge. Premiums can be paid easily online, over the phone, by mail, or through automatic bank deductions.
Life insurance plans allow you to pay premiums annually, semi-annually, quarterly, or monthly. Monthly bank drafts and credit card payments have a small convenience fee. However, annual lump sum payments provide the lowest overall costs.
With competitive rates, extensive discounts, and flexible payment options, igo makes it simple and affordable to get the insurance coverage you need. Their low costs make them an appealing option compared to other major insurance providers.
How to File a Claim with igo
Filing an insurance claim with igo can be straightforward when you understand the process. Here are some tips for smoothly navigating claims with igo for auto, home, life, and other policies:
Auto Insurance Claims
To start an auto claim, call igo’s 24/7 claims hotline or file online through their portal. You’ll need details like the date, time, and location of the incident, any police reports, and information on the other parties involved.
igo may send an adjuster to inspect damage to your vehicle before approving repairs. Use igo’s network of auto body shops for a streamlined repair process. For minor incidents, you can opt to use the igo mobile app to snap photos of the damage and get a virtual estimate.
Keep in mind that filing a claim may impact your insurance premiums down the line. Discuss options like increasing your deductible with your agent.
Home Insurance Claims
For home insurance claims, take photos of any property damage and make emergency repairs to prevent further damage if it’s safe to do so. Report claims as soon as possible by calling igo.
An adjuster will inspect the property and prepare a repair estimate. Be aware that your coverage may be limited for certain disasters like floods. Work with your claims adjuster and keep receipts for any temporary repairs or housing.
Life Insurance Claims
To make a life insurance claim, the beneficiary will need to provide igo with a certified copy of the death certificate along with their payout information. igo may also request additional proof like medical records depending on the policy.
The claims process is typically completed within 10-14 days after submitting complete documentation. igo also offers ways for terminal policyholders to access a portion of their death benefit early in some cases.
Tips for All Claims
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Keep thorough records related to the incident, including photos, police reports, bills, and receipts.
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Be patient as adjusters investigate your claim. Respond promptly to any requests for additional information.
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Keep all damages and repairs separate from regular maintenance if possible.
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Contact igo customer service or your agent with any questions during the claims process.
igo aims to make claims as smooth and convenient as possible. Their helpful claims team is available to guide policyholders through this process. With the right preparation, filing an insurance claim with igo can be simple and straightforward.
Contacting and Applying to igo Insurance
igo Insurance offers several convenient ways to get in touch regarding sales, claims, and customer service inquiries.
To speak with a sales representative and request a quote for auto, home, life, or other insurance products, you can call 1-800-555-1234 or visit the Get a Quote page on igo’s website and fill out the online form. Provide details on your current coverage, vehicles, home value, and dependents to receive the most accurate quote.
To file an insurance claim, call 1-800-555-5678 or file it online through the File a Claim portal after logging into your account. The claims team is available 24/7 to assist policyholders through the process. Provide information on the date of loss, coverage type, and details of the incident or damage.
For other customer service needs, call 1-800-555-9101 or email customer support to speak with a representative. The customer service team can answer questions about billing, policy changes, ID cards, and more.
When ready to move forward with purchasing a policy, you can get a quote online or over the phone and then complete the application process fully online through igo’s website. Payment can be made via credit card, bank transfer, or other options upon approval. New customers receive policy documents and ID cards by email and mail within 5-7 business days.
Whether you connect by phone, email, or web portal, igo’s team is available to help explain options, provide quotes, and get you set up with coverage. Contact them today to protect what matters most.