Sentinel Auto Insurance Review

Sentinel Auto insurance is part of Hartford Financial Services and offers auto, business, home, and life insurance products endorsed by AARP. Compare auto insurance rates, and get state minimum coverage for #$391/yr from The Hartford. Learn more in this Sentinel Auto insurance review.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 17, 2020

Advertiser Disclosure

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.

Company Details
Address: 690 Asylum Avenue
City: Hartford
State: Connecticut
ZIP Code: 06155-0001
Phone Number: 860-547-5000
Year Founded: 1810
AM Best Rating: A
Company Rating 0 (0 reviews)

Things to Remember...

  • The Sentinel is part of The Hartford Financial Services
  • Hartford been around since 1810 and has become one of the biggest investment and insurance companies in the world
  • Some of the policies available are life, auto, homeowners insurance, and products endorsed by the AARP

We understand that researching different insurance companies can be overwhelming, and that’s why we wrote this Sentinel auto insurance review. We want to answer all your questions.

Whether you are looking for something specific, like the Sentinel Auto Insurance phone number, or just want general information on the company, we can help. Now you can be more prepared while shopping around and comparing prices for your auto insurance policy.

Where can I compare online auto insurance companies’ rates? You can do so right here. Before beginning this Sentinel auto insurance review, just enter your ZIP code in the space provided to find affordable car insurance rates.

Cheap Auto Insurance Rates

While the price isn’t always the deciding factor when it comes to choosing an auto insurance policy, it is usually one of the most important, followed by customer service.

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 average, annual rates based on coverage levels.

Average Auto Insurance Rates by Coverage
Coverage TypesAverage 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
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Is Sentinel Insurance Company part of the Hartford? Yes; the table below can give you an idea of how Sentinel and The Hartford compare to other major insurance companies when it comes to price. The quotes in the table are for state-mandated liability coverage.

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It’s important to keep in mind that these are just guidelines. Actual rates will depend on a variety of factors such as age, driving history, ZIP code, etc.

What is Sentinel Auto Insurance availability by state?

Sentinel Insurance and The Hartford provide insurance coverage in all 50 states. They also have offices in Canada, the United Kingdom, Ireland, Brazil, and Japan. Besides auto insurance, the company offers a wide variety of insurance and investment products.

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Auto Insurance Coverages Offered

One of the first items on the agenda when purchasing your auto insurance policy is to decide how much coverage you need.

If you’re financing your vehicle, your loan company may require you to carry full coverage insurance. 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 choose to purchase more than your state’s required minimum liability insurance, you’ll need to choose your coverage and deductible levels based on the amount of protection you want and what you can afford.

The table below shows some of the different types of policies and coverages available to you, along with their purposes.

Types of Auto Insurance Coverage
Auto Coverage TypePurpose of Coverage
Bodily injury liabilityPart of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident
CollisionCovers damage to your car after an automobile accident
ComprehensiveCovers damage to your car that happens when you're not driving
Personal injury protectionCovers medical expenses for you or your passengers after an automobile accident
Property damage liabilityThe other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident
Uninsured/underinsured motoristCovers the costs if you're in an automobile accident caused by a driver with little or no car insurance
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Keep scrolling to learn more about the auto insurance options available to you.

What are Sentinel Auto Insurance’s bundling options?

Many auto insurance providers offer different bundling options. Bundling your insurance refers to purchasing multiple policies from the same company.

For example, you can purchase your auto insurance policy as well as your life insurance from the same company, if you choose. Most insurance companies offer a discount of anywhere from 5 to 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 are buying auto insurance for multiple vehicles. Auto insurance companies offer up to a 25 percent multi-car discount on combined policies.

Sentinel Insurance and The Hartford offer discounts for multiple drivers, policies, and vehicles. They offer a 5 percent discount on auto insurance and up to 20 pecent on condo, homeowners, or renters insurance when you bundle two or more policies.

What are discounts offered by Sentinel Auto Insurance?

Generally, your discount options through the company depend on what each provider has to offer, but many discounts are 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, as well as the major auto insurance companies that offer the discount.

Standard Auto Insurance Discounts Offered by Major Companies
Discounts OfferedAverage Percentage
of Savings
Auto Insurance Companies Offering
Discounts
Low mileage/Low usage discountUp to 20%State Farm, Allstate, Travelers, Nationwide, Progressive
Defensive driving discount10%–15%State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Farmers
Safe driver discount10%State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Military and federal employee discount8%–15%GEICO, Esurance, USAA
Good student discount5%–25%State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Senior/Mature driver discount 5%–10%GEICO, Allstate, Liberty Mutual
Homeowner discount3% State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Farmers
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As you can see, it is 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 car insurance.

Sentinel Insurance and Hartford offer over 30 discounts for their policyholders including the most common ones listed below:

  • Safe Driver Discount
  • Bundling Discount
  • Discounts Based on Occupation
  • On-Time Payments Discount
  • Going “Paperless” Discount
  • Anti-Lock Brakes Discount
  • Anti-Theft Device Discount
  • Continuous Coverage Discount
  • Garaging/Storing Discount
  • Good Student Discount
  • Homeowner Discount
  • Green Vehicle Discount
  • Low Mileage Discount

You can also visit the site for the National Association of Insurance Commissioners (NAIC) to get tips and advice on how to save money on your auto insurance policy.

What programs are available from Sentinel Auto Insurance?

Sentinel Insurance and Hartford offer insurance products for both individuals and businesses. The policies available include life, auto, homeowners insurance, and products endorsed by the AARP.

For businesses, the companies offer commercial auto insurance coverage, general liability, livestock coverage, business owner’s, professional and management liability, umbrella, property, loss control, worker’s compensation, and coverage for employees.

Employee benefits include group benefits, life and accident, group disability, both employer-sponsored and small business retirement plans, and voluntary benefits solutions.

Sentinel and The Hartford also offer guaranteed lifetime renewability on their policies, meaning that your policy cannot be canceled unless you fail to pay your premiums. They offer 24/7 claims service online, over the phone, or through the company’s multiple mobile apps.

One of their signature programs is the Recover Care Program which helps you to cover the cost of basic household chores in the case that you are injured in an accident are unable to do them yourself.

Canceling Your Auto Insurance Policy

Sentinel 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 car insurance policy does vary by state so it is important to make sure that you check with your auto insurance provider to find out what applies to you.

Is there a refund?

Whether or not you can get a refund on your policy 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 is always best to check with your insurance agent to see what factors apply to you.

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 are entitled to a refund of any policy premiums you have 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 Sentinel Auto Insurance Auto Insurance Claim

Which auto insurance company has the best claims service? It’s really up to interpretation, but Sentinel’s isn’t bad. The phone number for The Hartford headquarters is 860-547-5000. The phone number for claims is 1-866-574-4833. You can also file a claim online, as well as over the phone, or through one of the company’s multiple apps.

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How to Get an Auto Insurance Quote Online

While you cannot get a quote online directly from the website, you can use the website to locate a local agent. This will help you find auto insurance near me. There are a few other options you can choose to get a quote, as well.

Looking for The Sentinel Auto Insurance phone number? For quotes for home, auto, renters, and condo insurance, call 1-888-413-8970. The number for automated billing is 1-877-896-3920. To reach annuities, call 1-800-862-6668.

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Sentinel Auto Insurance: Auto Insurance Ratings

Does Sentinel track with the best auto insurance companies? Sentinel Auto Insurance and The Hartford were declared the best car insurance providers in one region by J.D. Power and Associates in their latest customer satisfaction survey. The company also scored above average ratings in other regions.

The company has an A+ rating with A.M. Best as well as with Standard & Poor’s rating system. They also scored an A1 rating with Moody’s Rating system. It seems Sentinel is on par with other top auto insurance companies.

Sentinel Auto Insurance: Auto Insurance History

The Hartford has been around since 1810 and has become one of the biggest investment and insurance companies in the world. Who is Sentinel Insurance Company? You can watch the video below to get a quick overview of the history of the Sentinel Insurance Company and The Hartford.

Keep scrolling to learn more about auto insurance through Sentinel Insurance and The Hartford.

How is Sentinel Auto Insurance’s online presence?

Sentinel Insurance does provide its customers with a website where they can find a local agent, make a payment, file a claim, and do a variety of other insurance-related tasks.

You can also use the Sentinel/Hartford website to request an ID card, a certificate of insurance, or a policy change.

Does Sentinel Auto Insurance have commercials?

While Sentinel Insurance does not run television or radio ads under its own name, The Hartford does have a series of television ads such as the one below.

Keep reading to learn more about Sentinel Insurance and The Hartford.

Is Sentinal Auto Insurance involved in the community?

The mission of The Hartford is to provide affordable financial products to help assist its clients in having a future that is financially secure. Voted as one of the most ethical companies in the world in 2010, The Hartford and its employees live by a certain set of core values.

These values include diversity and inclusion, customer focus, integrity, financial discipline, winning spirit, and teamwork.

What do Sentinel Auto Insurance employees have to say?

There are a number of job and career opportunities available through The Hartford. All are available for a wide variety of applicants.

For college students The Hartford offers internships, full-time programs, MBA internships, career advice, and interview tips.

The Hartford was named as one of the Top 100 military employers by G.I. Jobs in 2010. For professionals looking to continue their career with The Hartford, there are many professional development opportunities. For those hired by The Hartford, there are also many benefits.

There are incentives for both the long and short term, a comprehensive benefits package that helps enhance both wealth and health, and paid time off. For those looking for a career with The Hartford, there is a section on the company’s website that lists the current jobs available and it is updated on a regular basis.

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Design of Sentinel Auto Insurance Auto Insurance Website/App

The company’s website is well organized and provides information on all the services available through the company, how to get a quote, how to file a claim, and much more.

Sentinel Hartford Auto Insurance Online Quote Page

Sentinel and The Hartford also offer a couple of different mobile apps that allow you to do all of the things you can do through the website such as pay your bill, make updates to your policy, and access proof of insurance.

The Bottom Line

So, is Sentinel one of the top car insurance companies? Now that you’ve finished this review, you can decide for yourself. You know all you need to know about purchasing your car insurance policy from Sentinel Insurance, and we hope that you will feel more confident in purchasing your policy.

Which part of this guide was the most helpful for you? Now that you’ve finished this Sentinel auto insurance review, enter your ZIP code below and start comparing FREE auto insurance quotes now!

Frequently Asked Questions: Sentinel Auto Insurance

In this section, we answer some of the most commonly asked questions about NGM Auto Insurance. Some of the answers may have been covered in part or in full in the guide above.

#1 – Does Sentinel Auto Insurance offer SR-22 insurance?

If you have 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.

Sentinel Insurance and The Hartford do offer SR-22 policies, but since quotes are not available online, you would need to contact the company to receive a quote.

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.

#2 – 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 driving record, the type of vehicle you are insuring, and whether or not you have 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.

#3 – Are there benefits to using an agent to purchase auto insurance?

While it is 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 a more personalized service. This experience is just not possible when you purchase directly from a large company.

With a local agent, it is quite possible that you may 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 large marketing budget that these companies use for direct marketing.

This can even out the playing field when it comes to price, meaning that a local agent can often offer you the same prices as you could get by buying directly from the company.

#4 – 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 since it is a shared vehicle. 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 while 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 automobile insurance policy. Always check with your auto insurance provider to see who you can add to make sure that whoever is driving your vehicle is covered on the policy.

#5 – 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
  • get your driver’s license suspended or revoked
  • lie during the application process

If you are found to be a high-risk driver, your auto insurance company can also choose not to renew your policy.

#6 – Is Safe Auto good insurance?

Like all companies, there are pros and cons with Safe Auto. Read our Safe Auto insurance review for more information.

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