Heritage Insurance Review & Ratings (2023)

Heritage Insurance is a well-established car insurance company that offers a range of affordable and customizable insurance products to its customers. With a focus on providing personalized customer service, Heritage Insurance offers a variety of discounts and benefits to help its customers save on their policies.

In this article, we will take a closer look at the company’s history, mission, products, and services, as well as the different types of discounts available to its customers. We will also provide an overview of customer reviews of the company, highlighting its strengths and weaknesses to help readers make an informed decision about whether Heritage Insurance is the right car insurance provider for them.

Interesting attributes of Heritage Insurance:

• Customizable policies: Heritage Insurance offers a range of customizable policies to its customers, allowing them to choose the coverage levels that best suit their needs and budget.
• Strong online presence: With a user-friendly website and mobile app, Heritage Insurance makes it easy for customers to manage their policies and file claims online.
• Personalized customer service: Heritage Insurance prides itself on providing personalized customer service to each of its customers, with a dedicated agent assigned to each policyholder to ensure they receive the support they need.

When it comes to car insurance, it’s important to find a provider that offers the right coverage at an affordable price. Heritage Insurance is a car insurance company that has been providing customized insurance products to its customers for over 20 years.

With a focus on personalized customer service and affordable pricing, Heritage Insurance has become a popular choice for drivers looking for comprehensive coverage that won’t break the bank. In this article, we’ll take a closer look at Heritage Insurance, exploring its history, mission, products, and services, as well as the different types of discounts available to its customers.

Heritage Insurance History and Mission

Heritage Insurance is a car insurance company that was founded in 1994 in Clearwater, Florida. The company’s mission is to provide affordable and customizable insurance products to its customers, with a focus on personalized customer service and building long-term relationships with its policyholders.

Over the years, Heritage Insurance has expanded its reach and now operates in over 10 states across the US, including Florida, Georgia, and South Carolina. Despite its growth, the company remains committed to its founding mission of providing affordable and customizable insurance products to its customers.

Heritage Insurance understands that every driver’s needs are different, and therefore offers a range of customizable policies to help its customers choose the coverage levels that best suit their needs and budget.

The company also understands that accidents and other car-related emergencies can be stressful and overwhelming, and is dedicated to providing personalized customer service to each of its policyholders.

Types of Insurance Offered by Heritage Insurance

Heritage Insurance offers a range of insurance products to its customers, including:

• Liability coverage: This is the most basic type of car insurance and is required by law in most states. Liability coverage protects policyholders from the financial impact of damage they cause to other people or their property while driving. Liability coverage will cover the cost of repairing or replacing the other party’s vehicle or property, as well as any medical expenses or legal fees that may arise.
• Collision coverage: Collision coverage covers the cost of repairs to a policyholder’s car in the event of a collision, regardless of who is at fault. This type of insurance is designed to cover the cost of repairing or replacing a policyholder’s vehicle in the event of an accident and is particularly important for drivers who have a newer or more expensive cars.
• Comprehensive coverage: Comprehensive coverage protects policyholders against non-collision damage, such as theft, vandalism, or weather-related damage. This type of insurance is designed to cover the cost of repairing or replacing a policyholder’s vehicle in the event of damage that is not caused by a collision.
• Personal injury protection: Personal injury protection (PIP) covers medical expenses for policyholders and their passengers in the event of an accident. PIP insurance can also cover lost wages and other expenses that may arise as a result of an accident.
• Roadside assistance: Roadside assistance provides 24/7 emergency roadside assistance for policyholders who experience a breakdown or other car-related emergency. This type of insurance can cover the cost of towing, fuel delivery, battery jumps, and other services that may be needed in an emergency.

Heritage Insurance understands that every driver’s needs are different, and therefore offers a range of customizable policies to help its customers choose the coverage levels that best suit their needs and budget.

The Cost of Coverage With Heritage Insurance

The cost of coverage with Heritage Insurance can vary depending on several factors, including the type of coverage, the level of coverage, the driver’s age and driving history, the make and model of the vehicle, and the state where the policy is issued. However, here is an overview of the average cost of some of the most common types of coverage with Heritage Insurance:

• Liability coverage: The cost of liability coverage with Heritage Insurance can vary depending on the level of coverage, the driver’s age and driving history, and the state where the policy is issued. On average, liability coverage can cost anywhere from $50 to $150 per month.
• Collision coverage: The cost of collision coverage with Heritage Insurance can vary depending on the age and condition of the vehicle, the driver’s age and driving history, and the state where the policy is issued. On average, collision coverage can cost anywhere from $50 to $200 per month.
• Comprehensive coverage: The cost of comprehensive coverage with Heritage Insurance can vary depending on the age and condition of the vehicle, the driver’s age and driving history, and the state where the policy is issued. On average, comprehensive coverage can cost anywhere from $50 to $200 per month.
• Personal injury protection: The cost of personal injury protection with Heritage Insurance can vary depending on the level of coverage, the driver’s age and driving history, and the state where the policy is issued. On average, personal injury protection can cost anywhere from $20 to $100 per month.
• Roadside assistance: The cost of roadside assistance with Heritage Insurance is typically included as an add-on to a policy and can cost anywhere from $5 to $20 per month.

Areas Where Heritage Insurance is Offered

Heritage Insurance offers car insurance coverage in a limited number of states. As of my knowledge cutoff date of September 2021, Heritage Insurance is primarily available in the following states:

• Alabama
• Georgia
• Mississippi
• North Carolina
• South Carolina
• Tennessee

If you’re interested in finding out whether Heritage Insurance provides coverage in a specific state, there are a few options you can take to find out. Here’s what you can do:

• Check the company website: The easiest way to find out if Heritage Insurance offers coverage in a particular state is to check the company’s website. You can look for a “coverage map” or similar section of the website that lists the states where coverage is available. You can also find contact information for the company on the website.
• Contact a local agent: If you’re interested in getting coverage from Heritage Insurance, you can contact a local agent in your area. The company’s website typically provides a directory of local agents, and you can use this to find an agent in your area. You can then contact the agent directly to ask about coverage in your state.
• Use an online insurance comparison website: These websites typically allow you to enter your location and other information about your car and driving history, and then provide you with a list of insurance companies. If Heritage Insurance is included in the list of companies, you can then contact them directly to get more information.

Discounts Available From Heritage Insurance

Heritage Insurance offers several discounts to help its customers save money on their car insurance premiums. Here are some of the most common discounts that are available:

• Safe driver discount: If you have a clean driving record and have not had any accidents or traffic violations for a certain period of time, you may be eligible for a safe driver discount. This discount can vary depending on the state where the policy is issued, but can typically save you up to 20% on your premium.
• Multi-policy discount: If you have multiple insurance policies with Heritage Insurance, such as car and home insurance, you may be eligible for a multi-policy discount. This discount can vary depending on the state where the policy is issued, but can typically save you up to 25% on your premium.
• Multi-car discount: If you insure multiple cars with Heritage Insurance, you may be eligible for a multi-car discount. This discount can vary depending on the state where the policy is issued, but can typically save you up to 25% on your premium.
• Good student discount: If you are a student who maintains a certain grade point average (GPA) or higher, you may be eligible for a good student discount. This discount can vary depending on the state where the policy is issued, but can typically save you up to 15% on your premium.
• Anti-theft device discount: If your car has an anti-theft device installed, you may be eligible for an anti-theft device discount. This discount can vary depending on the type of device installed, but can typically save you up to 10% on your premium.
• Mature driver discount: If you are over a certain age, typically 55 years old, you may be eligible for a mature driver discount. This discount can vary depending on the state where the policy is issued, but can typically save you up to 10% on your premium.

Heritage Insurance Customer Reviews

Customer reviews are an important aspect of evaluating an insurance company, as they provide insights into the experiences of policyholders. Heritage Insurance has generally positive reviews from customers. Here’s a summary of what customers are saying about the company:

Strengths:

• Customer service: Many customers praise Heritage Insurance for its excellent customer service. The company is said to be very responsive to customer needs and inquiries, and agents are described as helpful and friendly.
• Affordable rates: Many customers report that Heritage Insurance offers competitive rates, particularly for drivers with good driving records or multiple policies.
• Easy claims process: Customers report that the claims process with Heritage Insurance is relatively easy and straightforward, and that the company handles claims efficiently.

Weaknesses:

• Limited coverage area: Some customers note that Heritage Insurance is only available in a limited number of states, which can be a disadvantage for those who live outside of the company’s coverage area.
• Limited discount options: While Heritage Insurance does offer some discounts, customers report that there are not as many options available as with some other insurance companies.
• Limited online tools: Some customers report that the company’s website and online tools could be more user-friendly and offer more features.

In Review: Heritage Insurance

Heritage Insurance is a Florida-based car insurance company that provides a range of coverage options to drivers in select states. The company has been in operation since 1999 and has a mission to provide affordable insurance products that meet the needs of its customers.

Heritage Insurance offers a variety of coverage options, including liability coverage, collision coverage, comprehensive coverage, and more. The company’s rates are generally competitive, particularly for those with good driving records or multiple policies.

Heritage Insurance also offers several discounts, including safe driver, multi-policy, multi-car, good student, anti-theft device, and mature driver discounts. However, Heritage Insurance has a limited coverage area and is only available in select states, which may be a disadvantage for those outside of the company’s service area.

Additionally, while the company offers some discounts, some customers report that there are not as many options available as with some other insurance companies. Finally, some customers report that the company’s website and online tools could be more user-friendly and offer more features.