Sagamore Auto Insurance Review (2025)

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.

Which part of this guide was the most helpful to you?

Ready to find out which company has the best rates for you? Enter your ZIP code below and start comparing FREE auto insurance quotes right now.

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.

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.

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.

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.

Types of Auto Insurance Coverage

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.

Average Auto Insurance Rates by Coverage

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.

Standard Auto Insurance Discounts Offered by Major Companies

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.