Fidelity Insurance Insurance Review & Ratings (2024)

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.

What You Should Know About 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.

Fidelity Insurance Coverage Options

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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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.

Fidelity Insurance Rates Breakdown

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.

Fidelity Insurance Discounts Available

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.

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Navigating Fidelity Insurance Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Fidelity Insurance provides various convenient methods for policyholders to file insurance claims. Whether you prefer online convenience, the ease of a phone call, or the use of mobile apps, Fidelity has you covered.

The online claim filing process is user-friendly, allowing you to submit your claim electronically through their website. You can also file a claim over the phone by contacting their 24/7 customer support. Additionally, Fidelity offers a mobile app that streamlines the claims process, enabling you to submit and track claims right from your smartphone.

Average Claim Processing Time

Fidelity Insurance is committed to efficient claims processing. While the exact processing time can vary depending on the complexity of the claim and the specific circumstances, Fidelity aims to handle claims swiftly. On average, customers report that Fidelity processes claims in a reasonable timeframe, providing the financial assistance you need when you need it most.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable resource when assessing an insurance company’s performance in handling claims. Fidelity Insurance has received a mix of reviews from policyholders regarding their claim resolutions and payouts.

Unveiling Fidelity Insurance Digital and Technological Advancements

Mobile App Features and Functionality

Fidelity Insurance offers a robust mobile app that enhances your insurance experience. The app provides a range of features and functionalities designed to make managing your policy more convenient.

With the mobile app, you can access your policy details, view payment history, and even file and track claims right from your smartphone. The app’s user-friendly interface ensures that you have easy access to important information and services on the go.

Online Account Management Capabilities

Managing your insurance policy online is a breeze with Fidelity Insurance. Their online account management platform allows you to handle various tasks from the comfort of your computer. You can view and update your policy information, make payments, and access important documents. This digital convenience simplifies the administrative aspects of your insurance coverage, saving you time and effort.

Digital Tools and Resources

Fidelity Insurance offers a range of digital tools and resources to empower policyholders with information and support. Their website features educational resources, including articles and guides on insurance-related topics. Additionally, you can use online calculators to estimate insurance costs or coverage needs. These digital tools help you make informed decisions and better understand your insurance options.

How Fidelity Insurance Ranks Among Providers

When exploring insurance options, it’s crucial to consider a variety of providers to find the coverage that best suits your needs. Fidelity Insurance, while offering competitive rates and a range of coverage options, has several notable competitors in the insurance industry. Let’s delve into some of the key competitors:

• Geico Insurance: Geico, or the Government Employees Insurance Company, is a major player in the insurance industry, known for its humorous advertising and widespread availability. Founded in 1936, Geico has expanded its services beyond government employees, offering a wide range of insurance products.
• Progressive Insurance: Progressive is a well-established insurance company that has been in operation since 1937. It is known for its innovative approaches, including the introduction of the first drive-in claims office. Progressive offers a wide array of insurance products, including auto, home, and commercial coverage.
• Allstate Insurance: Allstate is a well-established insurance company that has been in operation for over 90 years. It offers a broad spectrum of insurance products, including auto, home, and life insurance. Allstate is known for its commitment to customer service and community engagement.
• State Farm Insurance: State Farm is one of the largest insurance providers in the United States, founded in 1922. Known for its extensive agent network, State Farm offers a wide range of insurance products, including auto, home, and life insurance.

While Fidelity Insurance has its strengths, exploring alternatives such as Geico, Progressive, Allstate, and State Farm allows consumers to make informed decisions based on their unique needs, preferences, and budgetary considerations. Each competitor brings its own set of advantages and considerations, making it essential to conduct thorough research and compare offerings before selecting an insurance provider.

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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.

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