Sagamore Auto Insurance Review (2024)
Sagamore auto insurance specializes in personal insurance for high-risk drivers as well as commercial coverage for trucking fleets. They have more than 70 years of experience and an A+ rating from A.M. Best.
Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Jun 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Sagamore Insurance
Average monthly rate for good drivers:
$83A.M. Best rating:
A+Complaint level:
LowPros
- For more than 70 years, Sagamore Auto Insurance has offered coverage to small trucking company fleets
- Sagamore has a solid “A+” (Excellent) rating from A.M. Best
- Sagamore provides premium rates for insurance under a high-risk category
- Sagamore can offer lower rates because of its lower overhead
Cons
- It’s not possible to file a claim online through the Sagamore Insurance website
- For more than 70 years, Sagamore Auto Insurance has offered coverage to small trucking company fleets
- Sagamore has a solid “A+” (Excellent) rating from A.M. Best
- Sagamore provides premium rates for insurance under a high-risk category
- Sagamore can offer lower rates because of its lower overhead
Now that you know everything you need to know about purchasing your auto insurance policy from Sagamore Insurance, we hope you’ll feel more confident in purchasing your policy.
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What You Should Know About Sagamore
Many auto insurance providers offer bundling options, encouraging you to purchase multiple policies from them, usually at a discounted rate.
For example, you can purchase your auto and life insurance policies from the same company. Most insurance companies offer a 5–25 percent discount if you choose to bundle.
Many companies offer multi-car discounts, also. You can think of this as a way of bundling, but in this case, you’re buying auto insurance for multiple vehicles. Auto insurance companies may offer up to 25 percent off with a multi-car discount on combined policies.
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Canceling Your Sagamore Auto Insurance Policy
Sagamore Insurance understands that there are many reasons that people may need to cancel their auto insurance policy. Because of this, they make it fairly simple to cancel your auto insurance policy should you need to do so.
Watch the video below to understand what to expect when canceling your auto insurance policy.
The process of canceling your auto insurance policy does vary by state, so it’s important to make sure that you check with your auto insurance provider to find out what terms and conditions apply.
Is there a refund?
Whether you can get a refund on your policy depends on the policy type and when you choose to cancel. If you choose to cancel a refundable policy in the middle of the policy cycle, you will receive roughly half of what you paid, assuming that you only paid for that cycle.
Since refund amounts may vary and depend on a variety of factors, it’s always best to check with your insurance agent to see if you might be entitled to a refund.
How do you cancel?
What should you do if you need to cancel your policy?
You can cancel your policy at any time by contacting your auto insurance agent and letting them know that you’d like to cancel it. Your agent will let you know when the changes will take effect and whether or not you’re entitled to a refund of any policy premiums you’ve paid in.
When can I cancel?
You can cancel your policy at any time simply by contacting your auto insurance agent and letting them know that you’d like to cancel your policy.
Your insurance provider will let you know what, if anything, is required of you in order to do so.
How to Make a Sagamore Insurance Auto Insurance Claim
It’s not possible to file a claim online through the Sagamore Insurance website. However, since Sagamore Insurance offers services through multiple insurance providers, it is possible that your actual policy provider will offer online claims service on its website.
If you file an online claim directly through the website of your insurance provider, that information will be forwarded on to Sagamore Insurance who will handle your claim from there.
If you need to file a claim and would like to do so by contacting Sagamore Insurance directly, you can do so by calling its claims number at (800) 410-3694. You can also call the main claims line for CMS Insurance & Financial at (336) 679-8816.
How to Get a Sagamore Auto Insurance Quote Online
Getting a quote online with Sagamore Insurance is pretty simple. All you need to do is go to the company’s website and click on the “Get Quote” button on the homepage.
This will take you to a page where you will choose your policy options. To get an auto insurance quote, click on “Auto Quote Request” under the “Personal Insurance Quotes” section.
From there, you’ll be prompted to enter your ZIP code. Once you’ve entered your ZIP code, you’ll be taken to a page to fill out your personal information to get your free auto insurance quote.
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Sagamore Insurance: Auto Insurance Ratings
This Indiana company is a subsidiary of Baldwin and Lyons, which has offered coverage to small trucking company fleets for 70 years. Sagamore has a solid “A+” (Excellent) A.M. Best rating.
Sagamore has an average record of customer reviews except for a few positive comments. Several reviews related to customer service and the amount of time it took the company to take action in response to a problem.
The positive comments are the exception since most insurance reviews found online appear to be angry venting from people involved in an accident with a Sagamore policyholder.
One positive reviewer wanted to thank the company for providing her with coverage when she was unable to obtain it elsewhere.
Another recommended the company based on her seven years and three claims experience.
Sagamore Insurance: Auto Insurance History
This Sagamore Insurance company opened its doors in 1981. Following in the footsteps of its parent company, Baldwin and Lyons, Sagamore Insurance Company, Inc. started out specializing in covering small trucking companies and then grew to offer private passenger coverage in 1995.
This decision to diversify into the private sector proved to be lucrative. It enhanced the company’s growth, making it successful today.
Sagamore Insurance Company is now a CMS Insurance & Financial subsidiary and works with over 90 different insurance providers in the U.S. to provide coverage for its customers.
How is Sagamore Insurance’s online presence?
The website for Sagamore Insurance is laid out reasonably well. Company details and links to the bill paysite are easy to find.
You can use the website to request a free quote, as well. While there is a homepage for Sagamore Insurance, most of the website is actually under CMS Insurance & Financial.
You can find a list of the providers that Sagamore Insurance works with on the site, view your bill, pay your bill, request a policy change, view programs offered by the company, and much more.
Does Sagamore Insurance have commercials?
Neither Sagamore Insurance nor CMS Insurance & Financial have television or radio commercials, but some safety videos are available on the website. These videos can be found under the home tab on the CMS Insurance & Financial website.
What do Sagamore Insurance employees have to say?
You’re welcome to apply if you’re considering a career with Sagamore. The company seeks to attract agents by offering incentives unusual in the industry. Some of these include:
- No brokers
- Competitive commissions
- No charge-backs
- Liberty to exclude drivers
- No quotas
Agents also have the ability to rate and bind online in addition to e-signatures. This company allows policy rewrites up to 30 days after cancellation.
The company offers a full benefits package to its employees, such as life insurance, medical and dental, a flexible spending account, 401(k), and tuition reimbursement.
Design of Sagamore Insurance’s Website/App
While the company’s website does offer all the necessary information to contact Sagamore Insurance Company and an extensive list of the services it offers, it does not go into great detail about those services, unfortunately.
The website is well-organized, though, and it’s easy to find the information, albeit limited, that you may be looking for. The company does not offer an app at this time.
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Sagamore Insurance Coverage Options
Before purchasing your auto insurance policy, you’ll need to decide how much coverage you need.
If you’re financing your vehicle, your loan company may require you to carry full coverage insurance. The Consumer Financial Protection Bureau recommends shipping for insurance before you buy. Otherwise, you’ll need at least the minimum liability insurance required by the auto insurance laws in your state of residence.
If you decide that you need more than the minimum coverage required by the state, there are a number of different options available to you as additional coverage.
The table below shows some of the different types of policies and coverages available to you, along with what they do.
Auto Coverage Type | Purpose of Coverage |
---|---|
Bodily injury liability | Part of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident |
Collision | Covers damage to your car after an automobile accident |
Comprehensive | Covers damage to your car that happens when you're not driving |
Personal injury protection | Covers medical expenses for you or your passengers after an automobile accident |
Property damage liability | The other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident |
Uninsured/underinsured motorist | Covers the costs if you're in an automobile accident caused by a driver with little or no car insurance |
Always check with your insurance company to see what add-ons, endorsements, and riders are available. Make sure to consider price and need when adding coverages to your insurance policy.
Sagamore Insurance Rates Breakdown
While the price isn’t always the deciding factor when it comes to choosing an auto insurance policy, it’s usually one of the most important. Customer service and satisfaction is other things that drivers look for when choosing auto insurance.
You can look at the table below to get an idea of what you might pay for auto insurance depending on how much coverage you decide to buy. The table shows the average annual rates based on coverage levels.
Coverage Types | Average Annual Auto Insurance Rates | Average Monthly Auto Insurance Rates |
---|---|---|
Comprehensive coverage | $150.36 | $12.53 |
Collision coverage | $299.73 | $24.97 |
Liability coverage | $516.39 | $43.03 |
Total Full Coverage Cost | $954.99 | $79.58 |
It’s important to keep in mind that these are just guidelines. Actual rates will depend on various factors such as your age, driving history, ZIP code, and more.
Sagamore policyholders can make monthly payments online, by phone, or in person. Sagamore does not have the overhead to accommodate large fleets, which allows the company to keep rates low and competitive.
This is the type of company you might consider for your start-up business.
Young drivers, new drivers, and those with blemished driving records may also consider this a good insurer to consider for affordable coverage.
Certain groups, such as those mentioned above, are sure to pay premium rates for insurance under a high-risk category. The Insurance Information Institute offers some tips and information for drivers needing high-risk auto insurance coverage and having difficulty finding coverage.
High-risk drivers may also be able to lower their premiums by doing any of the following:
- Paying premiums in advance
- Purchasing a policy for a longer term
- Opting for a higher deductible
- Mentioning any club affiliations (this may get you a discount)
- Asking about what discounts are offered for auto insurance
It may warrant a multi-policy discount if you have a business and can combine your personal coverage with your business coverage. Fleets usually receive a multi-vehicle discount as well.
Sagamore Discounts Available
Insurance companies vary in what discounts they offer, but many are fairly standard throughout the industry.
The table below shows some of the most common auto insurance discounts available, an estimate of how much each can save you, and the major auto insurance companies offering the discount.
Discounts Offered | Average Savings | Available With |
---|---|---|
Low mileage/Low usage discount | Up to 20% | State Farm, Allstate, Travelers, Nationwide, Progressive |
Defensive driving discount | 10%–15% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers |
Safe driver discount | 10% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual, State National |
Military and federal employee discount | 8%–15% | Geico, Esurance, USAA |
Good student discount | 5%–25% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual, State National |
Senior/Mature driver discount | 5%–10% | Geico, Allstate, Liberty Mutual, State National |
Homeowner discount | 3% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers |
As you can see, it’s always a good idea to check with your insurance provider to see what types of discounts you qualify for, as they can save you a lot of money on your auto insurance.
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Frequently Asked Questions
How does adding drivers to my auto insurance policy affect my rates?
Adding another driver to your auto insurance policy means that your car will spend more time on the road, as multiple people will drive it. That alone is enough to raise your rates, but adding someone else to your auto insurance policy also means that your rates will be affected by that driver’s perceived risk.
Does Sagamore Insurance offer SR-22 insurance?
You may be considered a high-risk driver if you’ve had more than your fair share of traffic citations, automobile accidents, and/or auto insurance claims. Normally, high-risk drivers are required to purchase SR-22 insurance, which is unavailable through all companies, so it may take some looking around to find coverage.
Are there benefits to using an agent to purchase auto insurance?
While it’s possible to purchase your auto insurance policy directly instead of through an agent, there are some possible downsides.
Is Sagamore Auto Insurance a reputable company?
Sagamore Auto Insurance is a reputable insurance company with a solid presence in the industry. They have built a positive reputation for their coverage options and customer service. However, it’s always a good idea to research and read customer reviews to gather more information about their reputation and customer experiences.
What types of coverage does Sagamore Auto Insurance offer?
Sagamore Auto Insurance offers various coverage options to protect you and your vehicle. They provide standard auto insurance coverages such as liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage. Additionally, they may offer optional coverage add-ons and benefits that you can choose from.
How can I get a quote from Sagamore Auto Insurance?
To obtain a quote from Sagamore Auto Insurance, you can visit their official website or contact their customer service directly. On their website, you may find a quote form where you can provide the necessary information about your vehicle, driving history, and coverage requirements to receive an estimate. Alternatively, you can reach out to a Sagamore agent for assistance.
Does Sagamore Auto Insurance offer any discounts?
Sagamore Auto Insurance may offer discounts to help policyholders save on their premiums. These discounts can vary but commonly include safe driver discounts, multi-policy discounts, good student discounts, and more. When obtaining a quote, be sure to inquire about available discounts that you may qualify for.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.