United States Fidelity and Guaranty Auto Insurance Review

The United States Fidelity and Guaranty Auto Insurance Company is well known in Baltimore, Maryland where it was founded in 1896.

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The company has enjoyed a long, prosperous run up until the 1990s.

That run didn’t last forever, though, as it ran into financial difficulties and was acquired by the St. Paul Companies in 1998.

Eventually, the Traveler’s Insurance Corporation purchased the St. Paul Companies and disbanded the former insurance company known as United States Fidelity and Guaranty Auto Insurance Company.

Because of its long, well-known reputation, the name of United States Fidelity and Guaranty Auto Insurance is still being used, but the types of auto insurance that people purchase from this company is actually Traveler’s auto insurance. Find out if you can save on auto insurance with our FREE quote comparison tool!

Several Local Auto Insurance Agents

The former United States Fidelity and Guaranty Auto Insurance has an ample number of local agents to service their clients’ auto insurance needs.

No matter what type of area people are living in, the most rural or in an urban area, people will be able to find several auto insurance agents that can sell them an auto insurance policy.

Filing a Claim

The auto insurance formerly known as United States Fidelity and Guaranty Auto Insurance encourages its clients to bypass their personal insurance agents when they have a claim to file.

Traveler’s has claims specialists that these customers can contact with a toll-free number. If during the process the client would like to follow up on how things are going, they can call the same number for this purpose.

If they feel more comfortable filing their claims online, they can do this, too. If they have opened an account on the company’s website, they can enter their accounts to begin the claims process promptly.

What Type of Insurance Can Be Purchased?

People can purchase the expected types of insurance from the former United States Fidelity and Guaranty auto insurance company including:

• Bodily injury liability
• Property damage liability
• Personal Injury Protection (PIP)
• Uninsured/Underinsured Motorist
• Collision
• Comprehensive
• Medical Payments

Some states require that people purchase liability coverage so that if they cause an accident, they will be able to pay medical bills for bodily injuries and repair bills for property damages of the people affected.

The no-fault states require that drivers purchase PIP insurance so that each driver can pay their own medical bills no matter who caused the accident.

The former United States Fidelity and Guaranty auto insurance company is a company that can fulfill people’s desire for cheap auto insurance.

If they need to purchase liability coverage, they can with this company. If they need PIP insurance, they will also find it here.

Uncommon Types of Insurance Coverage

The former United States Fidelity and Guaranty Auto Insurance Company has several other forms of insurance coverage that are less common.

These extra coverages make it possible for people to tailor their insurance policies just for the specific things that they need.

Customers of the former United States Fidelity and Guaranty Auto Insurance Company can add coverage for:

• CDs and/or DVDs they lose if the car is stolen
• Designated beneficiaries to receive death benefits

Indemnity Coverage

If people are leasing or financing their vehicles, they will be required to carry GAP insurance, and Traveler’s is one company that gives its clients the option of purchasing this coverage.

If the vehicle is considered to be a total loss during the years when the policyholder owes more on the vehicle than it is worth, the GAP coverage pays the difference between the fair market value and the total amount owed to the financing company.

Auto Insurance Limits

Auto insurance customers will need to set limits on the amount of auto insurance costs they are willing to pay.

With the former United States Fidelity and Guaranty Auto Insurance Company, clients have the flexibility of choosing the state’s minimum amount or purchasing much more coverage.

If a client has a need to keep the rates very low, they can choose the minimum amount of coverage. Clients who would rather pay more for premiums to keep their out-of-pocket expenses as low as possible after an auto accident will have the option to set their limits higher.

Setting the Deductible

The former United States Fidelity and Guaranty auto insurance company also has flexible deductibles.

Clients may be able to choose a deductible that ranges from $250 to $1,500. In order to lower their premiums, Traveler’s customers choose the highest deductibles.

Auto Insurance Discounts

When people purchase their auto insurance from the former United States Fidelity and Guaranty auto insurance company, they may be able to receive several different auto insurance discounts:

• By purchasing other types of insurance from the same company, auto insurance clients receive the multi-policy discount of 15 percent.
• By insuring a hybrid vehicle, clients will receive a 10 percent discount.
• Completing driver’s training gives drivers under 21 a discount.
• The policyholder who has a student away at college can qualify for the Student Away at School discount.
• Owning a house or a condominium entitles clients to the home ownership discount.
• Cars less than three years old receive a 10 percent discount on their collision coverage.

Auto Insurance Company Reviews

The former United States Fidelity & Guaranty Auto Insurance company may give people the lowest rates; but, to be sure that this is the case, people need to check auto insurance reviews, and compare rates to other auto insurance quotes they receive from other companies using our FREE quote comparison tool!

It’s easy to do on this comparison website where several insurance companies are represented and ready to offer FREE auto insurance quotes to anyone that requests one. Anyone looking for auto insurance can start the process right away just by entering their ZIP code into the box below!