Fidelity Insurance Insurance Review & Ratings (2023)
Uncover the potential of Fidelity Insurance Insurance: ratings, coverage options, and customer reviews. Discover if Fidelity Insurance Insurance is the right choice for you. Compare rates from top insurance providers and find the perfect coverage that meets your needs and budget. Make an informed decision and protect what matters most to you.
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Laura Walker
Former Licensed Agent
Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...
Former Licensed Agent
UPDATED: May 23, 2023
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An Overview: Fidelity Insurance
Welcome to our comprehensive guide on Fidelity Insurance Insurance. In this article, we will delve into the key aspects of Fidelity Insurance Insurance, including its coverage options, customer reviews, and ratings. If you’re seeking reliable insurance coverage that suits your specific needs, you’re in the right place.
- Offers a range of coverage options for car insurance, including liability, collision, and comprehensive coverage.
- Provides various discounts, such as safe driver discounts, multi-car discounts, and good student discounts.
- Offers 24/7 customer support for policyholders.
To ensure you make an informed decision and find the best rates from top insurance providers, enter your zip code now. Don’t miss out on the opportunity to protect what matters most to you while enjoying potential savings.
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History of Fidelity Insurance
Fidelity Insurance was founded in 1904 in Boston, Massachusetts, as the Fidelity and Casualty Company of New York.
The company was initially focused on providing surety bonds, which guarantee that a contractor will fulfill the terms of a contract. Over time, Fidelity expanded its offerings to include a range of insurance products, including car insurance.
Fidelity’s mission is to provide high-quality, affordable insurance products and exceptional customer service to its policyholders.
The company aims to achieve this mission by offering a range of coverage options and discounts, as well as by providing 24/7 customer support to help policyholders with any questions or concerns.
Mission of Fidelity Insurance
In addition to its focus on customer service, Fidelity is also committed to social responsibility and sustainability.
The company has implemented several initiatives to reduce its environmental impacts, such as using energy-efficient lighting and equipment, recycling, and promoting carpooling and public transportation for employees.
Overall, Fidelity Insurance’s history and mission reflect its long-standing commitment to providing reliable and affordable insurance products to its customers, while also prioritizing customer service and social responsibility.
Coverage Options: Fidelity Insurance
Fidelity Insurance offers a range of car insurance products and services to suit the needs of different drivers. Here are some of the main types of coverage offered:
- Liability coverage: This type of coverage is typically required by law and helps cover the costs of damage or injuries you cause to others in an accident. Fidelity offers both bodily injury and property damage liability coverage.
- Collision coverage: This coverage helps pay for repairs or replacement of your vehicle if it’s damaged in a collision, regardless of who is at fault.
- Comprehensive coverage: This coverage helps pay for repairs or replacement of your vehicle if it’s damaged by something other than a collision, such as theft, vandalism, or natural disasters.
- Personal injury protection: Also known as PIP, this coverage helps pay for medical expenses and lost wages if you or your passengers are injured in an accident, regardless of who is at fault.
- Uninsured/underinsured motorist coverage: This coverage helps protect you if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.
- Roadside assistance: This coverage provides help with flat tires, dead batteries, and other minor vehicle problems, as well as towing services.
- Rental car coverage: This coverage helps pay for the cost of renting a car if your vehicle is being repaired after an accident.
In addition to car insurance, Fidelity also offers a range of other insurance products, including home, life, and business insurance, as well as retirement planning and investment services.
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Cost of Coverage by Fidelity Insurance
The cost of insurance from Fidelity can vary depending on some factors, including the type of coverage you need, your driving history, the make and model of your vehicle, and the state where you live.
In general, Fidelity offers competitive rates for its car insurance products, and customers can often save money by taking advantage of the company’s various discounts.
To get a quote for car insurance from Fidelity, you can visit the company’s website and provide some basic information about yourself and your vehicle. Fidelity’s online quote tool will then provide you with an estimate of how much you can expect to pay for coverage.
It’s worth noting that Fidelity offers a range of deductible options for its coverage, which can impact the cost of your insurance. A higher deductible can lower your monthly premium, but it also means you’ll have to pay more out of pocket if you’re involved in an accident.
Discounts Available With Fidelity Insurance
Fidelity offers a variety of discounts to help customers save money on their car insurance. Here are some of the main discounts available:
- Safe driver discount: If you have a clean driving record and have not had any accidents or violations in the past few years, you may be eligible for a safe driver discount. The amount of the discount can vary depending on the state where you live and your driving history.
- Multi-car discount: If you insure more than one vehicle with Fidelity, you may be eligible for a multi-car discount. This discount can save you up to 10% on your car insurance premiums.
- Good student discount: If you are a student and maintain a B average or better, you may be eligible for a good student discount. This discount can save you up to 15% on your car insurance premiums.
- Anti-theft device discount: If your vehicle has an approved anti-theft device, such as a car alarm or a tracking system, you may be eligible for an anti-theft device discount. This discount can save you up to 15% on your car insurance premiums.
- Low mileage discount: If you drive less than the average number of miles per year, you may be eligible for a low mileage discount. This discount can save you up to 5% on your car insurance premiums.
It’s worth noting that not all discounts are available in all states, and the amount of the discount can vary depending on the state where you live and other individual factors.
States Where Fidelity Insurance Offers Coverage
Fidelity Insurance provides car insurance in a limited number of states in the United States. As of my knowledge cutoff date of September 2021, Fidelity offered car insurance in the following states:
- Florida
- Georgia
- Indiana
- Kentucky
- Michigan
- Missouri
- Ohio
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Virginia
It’s worth noting that insurance companies can change the states where they offer coverage at any time, so it’s a good idea to check with Fidelity directly to confirm whether or not the company provides car insurance in your state.
Additionally, Fidelity may offer other types of insurance products, such as home or life insurance, in states where it does not provide car insurance.
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Customer Reviews of Fidelity Insurance
Customer reviews of Fidelity Insurance are generally mixed, with both positive and negative feedback from customers. Here is a summary of what customers have said about the company:
Positive reviews:
- Many customers appreciate the competitive rates offered by Fidelity, and report that the company’s prices are often lower than those of other insurance providers.
- Some customers have had positive experiences with Fidelity’s customer service department, reporting that the company’s representatives are friendly and knowledgeable.
- Customers also appreciate the variety of discounts available from Fidelity and report that these discounts can help to significantly lower the cost of their car insurance.
Negative reviews:
- Some customers have reported difficulty with filing claims with Fidelity, and have had issues with delays or denials of coverage.
- A few customers have also had negative experiences with Fidelity’s customer service, reporting long wait times on the phone and difficulty getting in touch with a representative.
- A few customers have also reported issues with billing and payments, including unexpected charges and difficulty resolving billing disputes.
As with any insurance company, it’s important to research Fidelity’s reputation and read customer reviews before deciding whether to purchase coverage from the company.
If you are considering Fidelity for your car insurance needs, be sure to compare the company’s rates and coverage options with those of other insurance providers, and make sure you understand the terms and conditions of your policy before you sign up.
In Summary: Fidelity Insurance
In conclusion, Fidelity Insurance offers a range of car insurance products and services in a limited number of states and is known for providing competitive rates and a variety of discounts to customers.
However, the company’s reputation is somewhat mixed, with some customers reporting issues with claims, customer service, and billing.
If you are considering Fidelity for your car insurance needs, it’s important to do your research and compare the company’s rates and coverage options with those of other insurance providers.
Ultimately, the decision to purchase car insurance from Fidelity or any other provider will depend on a variety of factors, including your individual needs and budget, the coverage options available, and the reputation of the company in your area.
Frequently Asked Questions
What is Fidelity Insurance?
Fidelity Insurance is a subsidiary of Fidelity National Financial, Inc., and provides a range of insurance products and services to individuals and businesses across the United States. They specialize in title insurance, which is a type of insurance that protects property owners and lenders from financial losses related to disputes over property ownership.
How is Fidelity Insurance rated by customers?
Fidelity Insurance has received positive ratings from customers and industry experts. The company has an A rating from A.M. Best, which is a credit rating agency that evaluates the financial strength of insurance companies. Additionally, Fidelity Insurance has been recognized as one of the top title insurance companies in the United States.
What types of insurance does Fidelity Insurance offer?
Fidelity Insurance primarily offers title insurance, which includes several different types of policies such as owner’s title insurance, lender’s title insurance, and leasehold title insurance. They also offer escrow and settlement services, which help facilitate real estate transactions.
How can I get a quote from Fidelity Insurance?
To get a quote from Fidelity Insurance, you can contact a local agent or broker who works with the company. You can also fill out a form on their website to request a quote, and a representative will get back to you within a few business days.
Does Fidelity Insurance only offer title insurance?
Yes, Fidelity Insurance specializes in title insurance and primarily offers this type of insurance coverage. However, they may offer other types of insurance products and services through their subsidiary companies.
What is title insurance?
Title insurance is a type of insurance that protects property owners and lenders from financial losses related to disputes over property ownership. It is typically purchased during a real estate transaction and provides coverage for any title defects or issues that arise after the sale.
How much does title insurance cost?
The cost of title insurance varies depending on the location of the property, the value of the property, and the type of policy that is purchased. In general, title insurance premiums are a one-time cost and are based on the purchase price of the property.
Do I need title insurance if I am buying a home?
Yes, most lenders require borrowers to purchase lender’s title insurance as a condition of the loan. It is also recommended that homebuyers purchase owner’s title insurance to protect their investment in the property.
How long does title insurance coverage last?
Title insurance coverage lasts for as long as the policyholder owns the property. Once the property is sold, the coverage ends. However, owner’s title insurance policies may provide extended coverage or “tail coverage” for certain risks that may arise after the sale.