Is Fiesta Auto Insurance Good? A Thorough Review of Coverage, Cost, and Service

Fiesta Auto Insurance is a regional insurance agency that provides auto insurance policies from over 40 different insurance companies. The company specializes in offering affordable coverage to high-risk drivers and serving the Latino community.

But is Fiesta Auto Insurance a good option for your car insurance needs? This in-depth review will look at Fiesta’s rates, coverage options, customer service, and more to help you decide if it’s the right provider for you.

Overview of Fiesta Auto Insurance

Fiesta Auto Insurance was founded in 1999 as an insurance brokerage. It offers policies from a range of national and regional insurance companies.

Here are some key facts about Fiesta Auto Insurance:

• Specializes in serving Latino community: Many agents speak Spanish, and offices are located in Hispanic communities.

• Focus on affordable rates: Known for affordable premiums, especially for high-risk drivers.

• Limited availability: Only offered in 12 states, mostly in the Southwest and Florida.

• Acts as broker: Fiesta doesn’t provide insurance directly. It connects customers to policies from partner companies.

Is Fiesta Auto Insurance affordable?

Affordability is one of Fiesta Auto Insurance’s major selling points. The company advertises rates as low as $1 per day. Exact pricing will vary based on your personal details and vehicle, but Fiesta is known for providing relatively cheap rates to high-risk drivers.

As a broker, Fiesta can shop your information around to find the most affordable policy. Discount opportunities will depend on the insurance company, but some common car insurance discounts include:

• Good driver discount
• Defensive driving course discount
• Multi-vehicle discount
• Multi-policy discount
• Good student discount

Fiesta specializes in affordable car insurance for high-risk drivers. So if you have a less-than-perfect driving history or credit score, it may offer lower rates than other providers.

What coverage options does Fiesta Auto Insurance offer?

Fiesta Auto Insurance provides access to standard auto insurance coverages including:

• Liability insurance
• Collision insurance
• Comprehensive insurance
• Uninsured/underinsured motorist coverage
• Personal injury protection
• Medical payments coverage

As a broker, Fiesta works with insurance companies that offer both minimum state required coverage and more comprehensive protection. Additional coverage options may include:

• Roadside assistance
• Rental reimbursement
• Rideshare coverage
• Non-owner insurance
• Mexico coverage

Usage-based insurance: Fiesta can also help you find usage-based insurance based on your driving habits. This type of insurance charges rates per mile driven, which can save money for some drivers.

Overall, Fiesta provides a wide range of coverage options to choose from through its partner insurance companies. An agent can explain your choices to help select the right protections.

How do customers rate Fiesta Auto Insurance?

Fiesta Auto Insurance customer reviews are mixed. Here’s an overview of what policyholders say about Fiesta:

• Positive reviews praise low rates and helpful service, especially for high-risk drivers. Many Spanish speakers appreciate the language accessibility.

• Negative reviews cite inconsistent service between locations and poor communication from agents. Some report billing issues.

• The Better Business Bureau gives Fiesta an A+ rating, though the company has a low volume of reviews.

Experiences seem to vary depending on the local agent. Overall, feedback indicates Fiesta provides good affordable insurance access but customer service may be hit-or-miss.

Is the claims process easy with Fiesta?

As an insurance broker, Fiesta Auto Insurance does not handle claims directly. Claims are filed with and processed by the actual insurance company providing your policy.

Reviews are mixed on the claims process. Some customers report easy claim resolution while others struggle with non-responsive insurance companies.

Your experience will depend on the provider and policy you select through Fiesta. Be sure to ask about the claims process when choosing a company. Select an insurer that offers 24/7 claims service and online/mobile app filing for the easiest experience.

Are there coverage limitations with Fiesta Auto Insurance?

The main limitation of Fiesta Auto Insurance is that it is only available in 12 states:

• California
• Texas
• Florida
• Colorado
• New Mexico
• Nevada
• Ohio
• Illinois
• Missouri
• Pennsylvania
• Georgia
• Tennessee

If you don’t live in one of these states, Fiesta won’t be an option for your car insurance needs.

Additionally, the specific insurance companies accessible through Fiesta will vary by location. So the coverage options at your disposal depend on what providers Fiesta works with in your state.

How does Fiesta Auto Insurance’s service compare?

Here’s how Fiesta Auto Insurance’s services stack up to competitors:

• Convenience: Fiesta has localized offices but lacks an insurance app or online portal since it’s a broker. Competitors like Geico and Progressive offer 24/7 mobile access.

• Discounts: Discounts depend on your selected insurance company. Competitors may offer more opportunities to save.

• Quote process: You must speak to an agent to get a quote. Fully online providers let you get quotes and buy policies completely online.

• Specialized coverage: Fiesta has expertise insuring high-risk drivers. But options like non-standard policies and SR-22 filings may be available from other insurers too.

While convenience may fall short of big national insurance providers, Fiesta Auto Insurance’s local accessibility and service in Spanish help it fill an important niche.

The Bottom Line: Is Fiesta Auto Insurance a good choice?

Fiesta Auto Insurance offers affordable rates and services that make insurance more accessible for many drivers. For high-risk drivers and Spanish speakers located in one of the 12 states it serves, Fiesta can be an excellent option for car insurance.

However, policyholders should be prepared for inconsistent service and rely on the insurance company behind their policy, not Fiesta, for claims resolution and customer support. Drivers outside of Fiesta’s limited service area will need to look to other national companies for their insurance needs.

Overall, Fiesta Auto Insurance can provide good value insurance for the customers it is designed to serve. But it may not be the ideal choice for all drivers. Comparing quotes from Fiesta and top insurers like Geico and Progressive can ensure you find the best rates and service for your situation.

Frequently Asked Questions about Fiesta Auto Insurance

Before choosing an insurance provider, it’s a good idea to understand how it works. Here are answers to some common questions about Fiesta Auto Insurance:

How does Fiesta Auto Insurance work?

Fiesta is an insurance broker, so it provides policy options from over 40 insurance companies. You get a quote and purchase a policy through Fiesta, but the insurance company is responsible for servicing your policy.

Does Fiesta Auto Insurance have an app?

No, Fiesta does not offer its own app. Some of the insurance companies accessible through Fiesta may have apps to manage your policy.

What discounts does Fiesta Auto Insurance offer?

Fiesta itself does not provide any discounts. Discounts depend on the insurance company underwriting your policy. Common discounts may include good driver, defensive driving, and bundling discounts.

Does Fiesta Auto Insurance cover rideshare driving?

The rideshare coverage offered depends on the insurance companies available in your state. An agent can explain rideshare options to help you find a policy that covers delivering for services like Uber or Lyft.

Is there a Fiesta Auto Insurance payment plan?

Payment plans and billing options depend on the insurance provider you choose through Fiesta. Many allow monthly installment payments. Discuss payment options with your Fiesta agent when selecting a policy.

Can I get insurance for high-risk drivers through Fiesta Auto Insurance?

Yes, Fiesta specializes in finding affordable coverage for high-risk drivers. Its agents are experienced at matching these drivers with policies from their partner insurance companies.

The Bottom Line

Fiesta Auto Insurance provides localized, Spanish-friendly service along with access to affordable insurance policies for high-risk drivers in the states where it operates. While customer service ratings are mixed, the company can be a good option for the niche demographics it serves.
Drivers are encouraged to compare Fiesta quotes with top insurers to find the best rates and service. But for many Latino and high-risk drivers in Southwest states, Fiesta Auto Insurance delivers valuable specialty access to auto insurance.