Sagamore Auto Insurance Review

The past decade has seen over 40, 000 men and women lose their lives every year from car-related accidents. It is among the major causes of death within the United States. It also costs taxpayers, as well as personal insurance policy holders, millions of U.S dollars, annually, to replace, and also service cars, take care of highways and roads, as well as afford medical bills and emergency services.

It is for such reasons that auto insurance is no more just a good option and a more effective investment decision — but compulsory by state as well as federal legal requirements. Driving without having insurance can lead to serious fines, along with becoming involved in an auto accident with no insurance could incur severe penalties, which includes jail time.

Sagamore Insurance Company

Sagamore Insurance Company is a subsidiary of Baldwin & Lyons Inc. of Indiana. Sagamore was originally incorporated in Indiana in 1981 as a casualty and property insurance company. However, it took over automobile insurance from its parent company, which had been insuring fleet trucks since 1930.

In 1995, Sagamore entered the private passenger automobile market and has had major growth as a result. It continues to offer full liability insurance and physical damage programs for small fleet truck operators, commercial auto/artisan, and private vehicles.

Sagamore works solely through independent insurance agents in 47 states and offers the following:

For Small Fleet Truck Operators – Coverage

• Primary Liability up to $1 million
• Physical Damage, including collision, comprehensive and FT/CAC
• Cargo to a limit of $100,000

For Commercial Auto/Artisan – Program

This program is specifically for small businesses using vans, utility vehicles, pickups, and autos to transport supplies, tools, and equipment to the place of work and back. However, it is only available in Indiana.

To get a quotation for coverage for this program, one must contact an independent agent through the Sagamore Artisan website.

Private Auto Insurance – Program

Competitive rates are offered for a range of risks, including:

• Young drivers
• Single people
• Non-homeowners
• People with no prior history of insurance

Private Auto Insurance – Coverage

• Bodily Injury and Uninsured Motorist/Under insured Motorist, limits up 100/300*
• Physical Damage Liability limits up to 50*
• Multiple comprehensive and collision deductible options
• Medical payments, cost of rental, towing, and special equipment.

NB: Restrictions may apply to BI and UM/UIM.

* Available in most states.

Sagamore has a 24 hour claims service, so that the individual is not required to go through the agent to lodge a claim.

Auto insurance discounts are available on premiums, and annual policies are available. Bills are issued directly to the policyholder monthly.

Remuneration is simply done either by payment online, by telephone, or direct to the agent’s office, and may be made by Visa, MasterCard, Discover, Electronic Funds Transfer, cash, or cheque.

Sagamore is rated A+ (Superior) at A.M. Best Company Inc. The rating of this agency, recognized by NRSRO, a Statistical Rating Organization of the State, and by the Securities & Exchange Commission of United States confirms Sagamore Auto Insurance as among the best in the Auto Insurance market.