Sutton Specialty Insurance Company Review (2024)

Discover Sutton Specialty Insurance Company, a trusted name in the insurance industry committed to providing customized solutions for a range of needs, including commercial, personal, health, and specialty insurance.

UPDATED: Apr 23, 2024Fact Checked

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

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Apr 23, 2024

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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above 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: Apr 23, 2024

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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Apr 23, 2024Fact Checked
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Sutton Specialty Insurance Company

Average Monthly Rate For Good Drivers

N/A

A.M. Best Rating:

N/A

Complaint Level:

Low

Pros

  • Wide range of insurance coverage options
  • Competitive pricing and discounts
  • Excellent customer service and support
  • Strong financial stability and reliability
  • User-friendly website and online services

Cons

  • Complaints related to claims processing
  • Limited availability in certain regions
  • Rates may vary based on individual factors
  • Limited coverage options for unique or specialized needs

Discover Sutton Specialty Insurance Company, your reliable source for comprehensive insurance coverage. In this informative article, you delve into the diverse world of insurance offered by Sutton Specialty, catering to a range of needs and situations.

Established with a commitment to customized solutions, Sutton Specialty has become a trusted name in the industry, offering a spectrum of policies that include commercial, personal, health, and specialty insurance.

With competitive rates and a dedicated focus on personalized service, Sutton Specialty is poised to safeguard your future. Whether you’re a business owner, homeowner, or an individual looking for peace of mind, Sutton Specialty Insurance has you covered.

Sutton Specialty Insurance Company Insurance Coverage Options

Please note that the actual coverage options and details may vary, and it’s essential to consult Sutton Specialty directly or visit their official website for precise information about their offerings. Here is the list of common coverage options:

  • Auto Insurance: Coverage for personal and commercial vehicles, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
  • Homeowners Insurance: Protection for your home, personal belongings, and liability against various risks, including fire, theft, and natural disasters.
  • Health Insurance: Plans for individuals and families, including health maintenance organization (HMO), preferred provider organization (PPO), and high-deductible health plans (HDHPs).
  • Life Insurance: Options such as term life, whole life, and universal life insurance to provide financial security for loved ones.
  • Business Insurance: Coverage for businesses, including property insurance, liability insurance, and workers’ compensation.
  • Specialty Insurance: Customized insurance solutions for unique risks, industries, or assets, such as boat insurance, pet insurance, or event insurance.
  • Umbrella Insurance: Additional liability coverage that goes beyond the limits of your standard policies, offering extra protection.
  • Renters Insurance: Protection for renters, covering personal property, liability, and additional living expenses.
  • Disability Insurance: Income protection in case of a disabling illness or injury that prevents you from working.
  • Pet Insurance: Coverage for veterinary expenses and medical care for pets, including dogs and cats.

Please keep in mind that the specific coverage options, policy details, and availability may vary depending on the insurance provider, state regulations, and individual policyholder needs. To determine the exact coverage options offered by Sutton Specialty Insurance Company and the details of each policy, it is recommended to contact the company directly or visit their official website.

Read more: Sutton National Insurance Company Review

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Sutton Specialty Insurance Company Insurance Rates Breakdown

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Driver ProfileSutton SpecialtyNational Average
Clean Record$129$119
1+ Ticket$146$147
1+ Accident$174$173
DUI$207$209
Poor Credit$222$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver


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Sutton Specialty Insurance Company Discounts Available

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DiscountSutton Specialty
Anti Theft13%
Good Student8%
Low Mileage10%
Paperless15%
Safe Driver11%
Senior Driver7%

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To obtain information about the discounts they offer, it’s best to visit their official website or contact them directly. Insurance companies typically offer a variety of discounts, which may include:

  • Multi-Policy Discount: Save by bundling multiple insurance policies, like auto and home insurance, with Sutton Specialty.
  • Safe Driver Discount: Get rewarded for having a clean driving record with no accidents or violations.
  • Good Student Discount: Young drivers with good grades may be eligible for lower premiums on auto insurance.
  • Multi-Car Discount: Insure multiple vehicles under the same policy to receive a discount.
  • Home Safety Discount: If your home is equipped with safety features like alarms or smoke detectors, you may qualify for a discount on homeowners insurance.
  • Anti-Theft Device Discount: Vehicles with anti-theft devices such as car alarms or tracking systems may be eligible for discounts.
  • Loyalty Discount: Long-term policyholders may receive discounts for their loyalty.
  • Defensive Driving Course Discount: Completing an approved defensive driving course can often result in a discount on auto insurance.
  • Pay-in-Full Discount: Paying your premium in one lump sum, rather than in installments, may qualify you for a discount.
  • Affinity Group Discount: Some insurers offer discounts to members of specific organizations or professional groups.

Please keep in mind that the availability and eligibility criteria for these discounts can vary from one insurance provider to another. To determine the specific discounts offered by Sutton Specialty Insurance Company and how you might qualify for them, it is advisable to contact the company directly or visit their official website for the most accurate and up-to-date information.

How Sutton Specialty Insurance Company Ranks Among Providers

Insurance companies often compete based on factors such as coverage options, pricing, customer service, and financial stability. Some of Sutton Specialty Insurance Company’s main competitors may include:

  • National Insurance Companies: Large national insurers like State Farm, Allstate, and Progressive offer a wide range of insurance products, including auto, home, and life insurance, and often compete for market share.
  • Regional Insurance Companies: Regional insurers, such as Geico, USAA (for military members and their families), and Amica Mutual Insurance, may compete in specific geographic areas and offer competitive rates and coverage options.
  • Specialized Insurers: Companies that specialize in specific types of insurance, such as health insurers like Blue Cross Blue Shield or specialty insurers focusing on niche markets, can be competitors in their respective segments.
  • Mutual Insurance Companies: Mutual insurance companies like Liberty Mutual and Nationwide are owned by their policyholders and may offer competitive rates and strong customer service.
  • Online Insurance Startups: Insurtech startups like Lemonade and Root have gained popularity for their digital-first approach to insurance and competitive pricing.
  • Independent Insurance Agents and Brokers: Independent agents and brokers represent multiple insurance companies and can provide customers with a range of options and quotes from different insurers.
  • Technology-Driven Insurtech Companies: Insurtech startups leverage technology and data analytics to offer innovative insurance solutions and can be competitors, especially in digital-focused markets.

The competitive landscape in the insurance industry is dynamic, with companies frequently adjusting their offerings and strategies. To determine Sutton Specialty Insurance Company’s current competitors and how they compare in terms of specific factors like pricing, coverage options, and customer service, you may need to conduct a market analysis or consult the latest industry reports.

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Efficient Claims at Sutton Specialty Insurance

Streamlined Claim Filing Options

Sutton Specialty Insurance Company offers a variety of channels for submitting insurance claims, ensuring a hassle-free experience for policyholders. Whether you prefer the convenience of online submissions, the personal touch of phone calls, or the accessibility of mobile apps, Sutton Specialty has tailored options to suit your needs.

Efficient Claim Processing Times

A critical factor in evaluating an insurance company’s performance is the speed at which it handles claims. Sutton Specialty Insurance Company is committed to swift and efficient claim processing.

While the exact processing time may vary depending on the nature of the claim, Sutton Specialty aims to provide timely resolutions, delivering on its promise of financial support when you need it most.

Customer Satisfaction With Claim Resolutions

Customer feedback is invaluable when assessing an insurance company’s claim resolutions and payouts. Sutton Specialty Insurance Company places a high value on policyholder feedback to continuously enhance their claims process.

The experiences and satisfaction levels of policyholders regarding claim resolutions and payouts reflect Sutton Specialty’s dedication to customer-centric service.

Sutton Specialty’s Digital Innovations

Robust Mobile App Functionality

Sutton Specialty Insurance Company recognizes the importance of staying connected with their policyholders. Their mobile app offers a comprehensive suite of features and functionalities designed to enhance the insurance experience.

From accessing policy documents to reporting claims and receiving real-time updates, the Sutton Specialty mobile app provides a user-friendly platform for managing insurance on the go.

Empowering Online Account Management

Take charge of your insurance policies and account details effortlessly with Sutton Specialty. Their online account management system equips policyholders with the tools needed to make informed decisions.

Whether it’s updating personal information or reviewing policy coverage, Sutton Specialty’s secure online portal offers a seamless way to stay in control of your insurance affairs.

Accessible Digital Resources

Sutton Specialty Insurance Company goes the extra mile to provide policyholders with valuable digital tools and resources.

Whether you’re seeking insurance-related information, educational resources, or practical calculators, Sutton Specialty’s online platform offers an abundance of digital assets to help you understand and optimize your insurance coverage.

Frequently Asked Questions

What types of insurance does Sutton Specialty offer?

Sutton Specialty Insurance Company provides a spectrum of policies, including commercial, personal, health, and specialty insurance.

How can I determine the specific coverage options offered by Sutton Specialty Insurance Company?

For precise information about coverage options and details, it is recommended to contact Sutton Specialty directly or visit their official website.

Can I save on insurance by comparing quotes from different providers?

Yes, Sutton Specialty encourages comparison shopping by entering your ZIP code above to use their free quote tool, providing more chances to save.

What channels does Sutton Specialty Insurance Company offer for submitting insurance claims?

Sutton Specialty provides hassle-free claim filing options, including online submissions, phone calls, and mobile apps to cater to different preferences.

How does Sutton Specialty Insurance Company handle claim processing times?

Sutton Specialty is committed to swift and efficient claim processing, aiming to provide timely resolutions based on the nature of the claim.

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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

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

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.

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