Get Real Value for Your Money with igo insurance

igo insurance is a major insurance provider operating in the United States. Founded in 1925 in Philadelphia, igo has grown to become one of the largest insurance companies in the country, providing a range of insurance products including auto, home, life, health, and business insurance.

igo operates in over 30 states across the US and insures over 5 million individuals and businesses. While auto and home insurance make up a large portion of igo’s business, they also provide a variety of other insurance products such as motorcycle, boat, classic car, renters, condo, identity theft, pet, and more.

Some key facts about igo insurance:

  • Headquarters in Philadelphia, PA
  • Founded in 1925
  • Operates in over 30 states
  • Over 5 million customers
  • Offers auto, home, life, health, business and specialty insurance
  • Known for strong customer service and claims satisfaction

As one of the oldest and largest insurers in the US, igo has built a reputation for reliable service and products. They focus on providing comprehensive insurance coverage at competitive rates along with excellent customer service. igo aims to make the insurance process straightforward for customers by providing tools and resources to help policyholders understand their coverage and manage their policies.

Types of insurance offered

igo insurance provides coverage options for a wide variety of needs. Here are some of the main types of insurance policies offered:

Home Insurance

Home insurance from igo protects homeowner’s investment in their house and possessions. Policies cover damage from fire, smoke, windstorms, hail, lightning, riots, vandalism, and more. Additional coverage like flood insurance can also be added. igo offers options for homeowners as well as renters insurance.

Auto Insurance

igo provides auto insurance policies that include liability, collision, comprehensive, medical payments, uninsured/underinsured motorist, and more. Drivers can customize their auto policy based on their needs. Discounts are available for safe drivers, good students, anti-theft devices, and more.

Life Insurance

igo life insurance helps provide financial protection for families in case of death. They offer term life, whole life, universal life, and final expense life insurance. Policies can be customized based on income replacement needs, family size, and more.

Health Insurance

For health coverage, igo offers major medical health insurance plans compliant with the Affordable Care Act requirements. This includes catastrophic, bronze, silver, and gold plans. Dental, vision, critical illness, and accident supplements are also available.

Business Insurance

For businesses, igo provides general liability, professional liability, workers compensation, commercial property, commercial auto, business owners policies, and more. Industry-specific coverages are also available.

igo Insurance Coverage Options

igo insurance offers a range of coverage options to meet your needs.

Auto Insurance

igo auto insurance provides liability, collision, and comprehensive coverage. Liability covers bodily injury and property damage if you are at fault in an accident. Collision covers damage to your vehicle in an accident, regardless of fault. Comprehensive covers damage to your car from non-collision incidents like weather, fire, or theft.

You can also add optional coverages like rental reimbursement, roadside assistance, and OEM parts coverage. igo offers usage-based insurance called DriveSense that can save you money based on your driving habits. There are also discounts available for things like anti-theft devices, good student drivers, and paying your bill in full.

Home Insurance

igo home insurance provides dwelling coverage for damage to your home and personal property coverage for your belongings. Liability coverage is included to cover injuries that happen at your home. You can also add endorsements like identity fraud expense, water backup, and earthquake damage.

Discounts are offered for bundling home and auto, being claim-free, installing protective devices, and more. There is also a loyalty discount for continuing your policy with igo year after year.

Life Insurance

igo life insurance options include term life, whole life, and universal life policies. Term life is the most affordable option that covers you for a set period of time. Whole and universal life cost more but build cash value that you can borrow against.

You can get discounts on your life insurance for bundling multiple policies, having healthy habits, and buying more coverage. There are also optional riders you can add like accidental death, waiver of premium, and living benefits.

Filing an igo insurance claim

To file a claim with igo insurance, follow these steps:

  • Report your claim as soon as possible. You can file a claim by calling igo’s claims department at 1-800-555-1234 or submitting a claim form online at

  • Provide details about what happened, including the date and location of the incident. Also note any injuries or property damage.

  • Gather supporting documentation. This may include police reports for accidents or theft, invoices and receipts for repairs or replacement costs, and any photos or videos documenting damage.

  • Submit any applicable bills, invoices or estimates. Send copies rather than originals. These documents help support your claim for reimbursement.

  • Complete and return any claim forms provided by igo. Make sure to fill them out completely and accurately.

  • Cooperate with the claims adjuster assigned to your case. Provide any additional details or documentation they request in order to process your claim.

  • Review your policy documents and exclusions. Be aware of any limitations, deductibles or caps that may impact your claim settlement.

igo aims to process claims within 2-3 weeks, though timing can vary depending on claim complexity and volume. Communicate with your claims adjuster if your claim seems delayed. Make sure to keep copies of all submitted documents for your records. With organized documentation and clear communication, you can ensure efficient claims processing.

igo Customer Reviews

igo insurance has generally positive customer reviews, though experiences can vary. On independent review sites, igo earns around 3-4 stars out of 5.

Pros frequently mentioned in reviews:

  • Competitive rates and discounts, especially for safe drivers
  • Good customer service when filing claims
  • Numerous policy options to customize coverage
  • Easy to manage policy and payments online

Cons sometimes noted:

  • Claims denials or delays with payment
  • Rate hikes after an accident, even if not at fault
  • Difficulty reaching customer service at busy times
  • Website or app could be more user-friendly

Many reviewers say igo offers affordable premiums and decent coverage options. Filing claims is usually smooth when there’s clear liability and damage estimates. However, some have experienced claim delays or unhelpful adjusters. While customer service gets mixed reviews, most interactions are positive.

Overall, igo tends to satisfy most customers looking for affordable insurance policies. There are some areas that could be improved, but the company meets expectations for budget-conscious drivers. Reviews indicate igo is worth considering, though shopping around is still advised.

igo Insurance Rates

When shopping for car insurance, one of the most important factors to consider is the price. igo insurance offers competitive rates that are on par with many other top insurance providers.

The average annual premium for an igo auto insurance policy is around $1,150, which is comparable to companies like State Farm, Allstate, and Progressive. However, actual rates will vary significantly based on your location, driving history, age, gender, type of vehicle, and other risk factors assessed by the insurer.

Some of the main variables that affect your igo insurance premiums include:

  • Driving Record: Drivers with accidents, speeding tickets, DUIs, and other violations on record will pay higher rates. A clean driving history can save you 20% or more with igo.

  • Location: Insurance rates are based on your home zip code. Urban areas with high accident rates and auto theft will have more expensive premiums.

  • Age: Teen drivers and seniors generally have the highest auto insurance rates. Middle-aged drivers tend to pay the least.

  • Credit Score: In most states, insurers check your credit when determining pricing. Better credit equals lower premiums.

  • Vehicle Type: Insuring a sports car, luxury sedan, or high-performance vehicle costs more due to repair costs, theft rates, accident rates, etc.

  • Coverage Limits: Higher liability limits and lower deductibles raise rates. Minimum required limits are cheapest.

  • Discounts: igo offers many ways to lower premiums, like good student, safe driver, multi-policy, and paperless discounts.

While igo is competitive on average, actual rates can vary widely depending on your specific risk profile. The best way to find affordable igo insurance is to comparison shop and look for available discounts.

Discounts and Rewards Programs

igo insurance offers several discounts that can help you save money on your auto insurance premiums. Some of the common discounts offered include:

Bundling Discounts

You can get a discount on your auto insurance policy by bundling it with other insurance policies from igo. For example, if you purchase both auto and homeowners insurance from igo, you may qualify for a multi-policy discount of up to 15%. The more policies you bundle together, the higher your discount.

Good Driver Discounts

Drivers with a clean driving record can qualify for a good driver discount from igo. This offers up to 30% off for drivers with no accidents or traffic violations on their record. Maintaining a clean driving history is the easiest way to keep your auto insurance costs low.

Affinity Memberships

igo offers special discounts if you belong to certain professional, alumni, or advocacy groups. For example, you may get 5-15% off just for being a member of a qualifying organization. Check with your alumni association, employer, or other groups you belong to see if they partner with igo for exclusive member savings.

In addition to discounts, igo also offers a rewards program for safe drivers. Their SafeDrive program lets you earn $25-50 for every 6 months of safe driving. This cash reward can be used towards future premium payments or pocketed as extra savings. Maintaining safe driving habits is rewarded by igo.

Taking advantage of applicable discounts and the SafeDrive rewards program can add up to significant savings on igo auto insurance over time. Comparing quotes regularly and asking about all available discounts ensures you don’t overpay for quality coverage.

igo Insurance Financial Strength

As a policyholder, it’s important to know that your insurance company will remain financially stable and capable of paying out claims. igo maintains strong financial ratings from independent agencies like A.M. Best.

A.M. Best conducts in-depth analysis on thousands of insurers and issues Financial Strength Ratings that assess a company’s ability to meet its ongoing policy and contract obligations. igo has received an “A” (Excellent) Financial Strength Rating, reflecting their very strong ability to meet financial commitments.

igo’s balance sheet also indicates financial stability and the resources to weather economic downturns or catastrophes. They maintain appropriate risk-based capital, liquidity, and cash reserves. The company has proactively managed risks and optimized their reinsurance protections.

Overall, igo possesses exceptional financial strength relative to the norms for the property/casualty industry. Policyholders can feel secure that igo will deliver on their promises for years to come. Their long track record of financial discipline gives confidence that they will remain resilient even in challenging circumstances.

How to get a quote

Getting an igo insurance quote is easy and can be done in several ways.


The fastest way to get an igo insurance quote is to use the online quoting tool on their website. You’ll need to enter some basic information like your name, address, date of birth, and the type of insurance you need. The online tool will ask you questions specific to the insurance product to provide an accurate personalized quote. The entire process only takes about 10-15 minutes.

Once you enter all required information and submit your quote request, you’ll get an instant preliminary quote. This will allow you to compare various coverage options and limits to find the right policy for your needs and budget. The online quoting system is available 24/7, so you can get a quote anytime.


To speak with an igo insurance agent and get a quote over the phone, simply call their toll-free number which is listed on their website. An agent will walk you through the same quoting process, asking questions about your situation to provide customized quote options. Getting an insurance quote over the phone allows you to get immediate answers to any questions you may have.

The igo insurance call center is open during regular business hours. Agents can provide quotes for all insurance products offered. The call only takes about 15-20 minutes.


For a more personalized touch, you can request a quote from a local igo insurance agent. Agents have in-depth knowledge about igo insurance products and can guide you to the right coverage based on your specific needs.

To find an agent near you, enter your zip code on the igo insurance website. Agents can often visit your home or office to review your unique situation and provide quotes. This allows you to meet the agent in person and get answers face-to-face.

Agents may also be able to find additional discounts beyond what the online and phone quoting systems can provide. Working with an agent gives you an advocate as you select coverage and make a claim if needed.

Leave a Comment