Sagamore Auto Insurance Review (2020)

Looking for Sagamore Insurance reviews to help you choose the right company?

Most of the time, searching for the best types of auto insurance coverage for your needs would mean hours of research, long phone calls, and endless internet searches. Imagine if, instead, you had all the information you needed in one easy guide.

That’s exactly what we’ve put together here for you. In this guide, we’ll provide and analyze all available information about the Sagamore Insurance Company to give you a better idea of the options available to you.

Sagamore Insurance began in 1981 under a parent company, the Baldwin & Lyons Group. Today, it operates as a subsidiary of CMS Insurance & Financial.

If you’re ready to start comparing auto insurance rates now, take a read through of this Sagamore Auto Insurance review and enter your ZIP code into our free quote tool to get started.

Sagamore Auto Insurance Rates

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 another thing that drivers look for when choosing auto insurance.

You can take a 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.

It’s important to keep in mind that these are just guidelines. Actual rates will depend on a variety of 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, but this 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 find this to be 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 that need high-risk auto insurance coverage and are having a hard time 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

If you have a business and have the option of combining your personal coverage with your business coverage, it may warrant a multi-policy discount. Fleets usually receive a multi-vehicle discount as well.

You can also visit the website of the National Association of Insurance Commissioners (NAIC) for tips and advice on choosing the right auto insurance policy.

What is Sagamore Insurance’s availability by state?

Sagamore Insurance Company offers its services in 47 states, with offices throughout the country to personally address your needs.

Sagamore Insurance Company is part of the CMS Insurance and Financial Group. The home office for the Sagamore Insurance Company is located in Indianapolis, Indiana.

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Sagamore Auto Insurance Coverages Offered

One thing you’ll need to decide before purchasing your auto insurance policy is 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 amount of 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.

Always check with your insurance company to see what add-ons, endorsements, and riders are available as well. Make sure to take price and need into account when adding coverages to your insurance policy.

What are Sagamore Insurance’s bundling options?

Many auto insurance providers offer bundling options, meaning they encourage you to purchase multiple different policies from them, usually at a discounted rate.

For example, you can purchase your auto insurance policy and your life insurance policy from the same company, if you choose. Most insurance companies offer a discount of anywhere from 5–25 percent if you choose to bundle.

Check out the video below to learn about the pros and cons of bundling your insurance policies.

Many companies offer multi-car discounts, also. You can think of this as a way of bundling as well, 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.

What are discounts offered by Sagamore Insurance?

Insurance companies vary in terms of what discounts they offer, but many discounts are fairly standard throughout the industry.

The table below shows some of the most common auto insurance discounts available, an estimate of how much money each can save you, and the major auto insurance companies that offer the discount.

As you can see, it’s always a good idea to check with your insurance provider to see what types of discounts you may qualify for, as they can save you a lot of money on your auto insurance.

What programs are available from Sagamore Insurance?

Sagamore offers several programs to assist its policyholders with whatever services they might need.

As a way to keep the lines of communication open between policyholders and agencies, and between agents and headquarters, a newsletter is distributed monthly.

The newsletter offers advice and information that may be helpful to both agents and policyholders.

Also, Sagamore offers med pay, special equipment, and rental coverage to its policyholders.

Sagamore implements electronic signatures and Comprehensive Loss Underwriting Exchange (CLUE) reports for its agents. CLUE and Motor Vehicle Record (MVR) reports are made available to agents to manage policies and sales.

Take a look at the table below to see all the insurance programs available through Sagamore Insurance.

The company’s commercial policies are available to limousine companies and other small transportation businesses with one to six vehicles. Sagamore is not equipped to provide coverage to businesses that transport hazardous materials.

Each state sets its own liability insurance coverage requirement for commercial vehicles. Policies for commercial vehicles must adhere to the minimum mandated by the state in which the business is registered.

Commercial vehicles are offered liability coverage of up to one million dollars, and up to $100,000 for cargo coverage.

Keep reading to learn more about Sagamore Insurance.

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 get an idea of 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 or not depends on the type of policy 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 simply by contacting your auto insurance agent and letting them know that you’d like to cancel your policy. 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.

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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 in order 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 with the exception of 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 who were 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 experiences.

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 the success it is today.

Sagamore Insurance Company is now a subsidiary of CMS Insurance & Financial 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 there are some safety videos 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?

If you’re considering a career with Sagamore, you’re welcome to apply. 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.

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Design of Sagamore Insurance’s Website/App

While the company’s website does offer all the necessary information to contact Sagamore Insurance Company as well as 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.

The Bottom Line

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?

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Frequently Asked Questions: Sagamore Insurance

In this section, we answer some of the most commonly asked questions about Sagamore Insurance’s auto insurance policies. Some of the answers may have been covered in part or in full in the guide above, but if there’s something else you want to know, take a look below to see if your question has been addressed.

#1 – 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 be spending more time on the road, as multiple people will be driving 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, as well.

For example, adding a teenager to your policy can raise your auto insurance rates drastically since teenage drivers are inexperienced and auto insurance companies see them as high-risk drivers, whereas adding your spouse might not raise your rates quite as much.

There are restrictions as to who you can add to your auto insurance policy. Most companies will only allow you to add people in the same household to your policy. Always talk to your insurance provider about adding new drivers, as a claim filed involving a driver that isn’t on your policy will be denied.

#2 – Why would my provider cancel my auto insurance policy?

Your auto insurance provider may cancel your policy if you do any of the following:

• Fail to pay your auto insurance premium
• Have your driver’s license suspended or revoked
• Lie during the application process

Also, if you’re found to be a high-risk driver, your auto insurance company may choose not to renew your policy.

#3 – 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 to doing so.

First of all, if you choose to go with a local agent, you will get the advantage of more personalized service. This experience is just not possible when you purchase directly from a large company. With a local agent, you may even speak to the same person about your policy every time.

Many people believe that buying directly from the company can save them money by cutting out the figurative “middleman,” but this theory fails to take into account the amount of money these companies spend on direct marketing. That can even out the playing field, meaning that a local agent can often offer you the same price you could get buying directly from the company.

#4 – What kinds of questions should I be prepared for when purchasing my auto insurance policy?

When you apply for an auto insurance policy, you will be asked a series of demographic questions such as your name, age, sex, etc. You will also be asked a variety of other questions aimed at assessing your risk as a driver.

Some of the things the insurance company will want to know about are your financial background, the type of vehicle you’re insuring, and whether or not you’ve had any tickets or accidents in the past.

Once this information is collected, the insurance company uses this data to assess your risk as a driver and to determine your policy rates. This is known as the underwriting process. By using this method of risk evaluation, auto insurance companies are able to reduce their chances of losing money on issued policies. Through this process, the insurer can determine your risk factors and decide if they want to insure you, and if so, at what rate.

#5 – Does Sagamore Insurance offer SR-22 insurance?

If you’ve had more than your fair share of traffic citations, automobile accidents, and/or auto insurance claims, you may be considered a high-risk driver. Normally, high-risk drivers are required to purchase SR-22 insurance, which is not available through all companies, so it may take some looking around to find coverage.

The filing fee to get SR-22 insurance is only $15–$35, but the increase in rates for SR-22 insurance when compared to rates for drivers without any driving violations on their records is definitely not pocket change. Rate increases for driving violations that result in a driver being forced to carry SR-22 insurance can be as much as $541 a month.