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Sentry Motorcycle Insurance Review

Sentry Motorcycle Insurance Review

Author
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  • Coverage

Sentry insurance is a company with headquarters in Stevens Point, Wisconsin. This company has been around since the early 1900s. Currently the company sells automobile, business, commercial, life, and motorcycle insurance. They also offer a variety of mutual fund products. Sentry is a large company that has been involved in the insurance business for over a century – which demonstrates longevity and strength. The company logo is a “Minuteman Statue” – a sculpture created in honor of Captain John Parker.

This statue was created to symbolize Strength, Protection, and Vigilance of the company. Although Sentry has become a Fortune 1000 company and large insurer, your major concern should be whether they offer quality motorcycle insurance. Below is an in-depth analysis of the company including: coverage options, payment plans, and potential discounts that you may receive as a customer. Sentry insures motorcycles through Dairyland – be sure to read the Dairyland review if you are interested in Sentry.

Sentry Company History

Sentry was founded in 1904 and was initially called the Wisconsin Retail Hardware Association (now called the Midwest Hardware Association). Their initial goal was to provide casualty insurance for individuals in the hardware industry. Throughout their 100+ year company history, Sentry has helped protect businesses, families, and people with their Strength, Protection, and Vigilance – 3 traits that their “Minuteman Statue” logo symbolizes. This logo was created in honor of Captain John Parker – who served as commander at the Battle of Lexington in 1775. Despite the fact that Captain Parker was outnumbered in troops at this battle, his men stood firm to claim their freedom.

Since its earliest days as a small company, Sentry made some power moves that helped it become a company worth billions of dollars. As of December 2012, Sentry had assets in excess value of $12.2 billion as well as a policyholder surplus of $3.6 billion. Sentry has evolved from a small company that only served members of a hardware association to a company that currently has over 1 million policyholders. On the list of Fortune 1000 companies, Sentry insurance ranks 777.

Sentry currently owns the following companies: Dairyland insurance, Middlesex insurance, Patriot insurance, Parker insurance, Peak insurance, Point insurance, and Viking insurance. Each company that they own specializes in a different aspect of insurance or mutual funds. They didn’t start offering motorcycle insurance until 1966 – when they helped create their Dairyland Cycle program.

Now, not only do they offer motorcycle insurance, but they provide people with life insurance, group health, car insurance, and property protection. The company stated that it makes a “personal promise” that all employees will adhere to the highest level of ethical conduct in the service that they provide customers. This all sounds good on paper, but let’s get down to the nitty gritty details of the company below.

Sentry Motorcycle Insurance Coverage

Sentry offers various insurance policies to bikers in over 40 states throughout the United States. Most of their coverage options will provide you with all of the legally required insurance with whatever limits you’d like to purchase. Compared to other companies, Sentry seems to provide insurance for many different brands of motorcycles. Despite the fact that they insure many brand names, the coverage that they offer is nothing out of the ordinary. They do provide a few extra insurance options and allow you to pick your limits, but many people with them switch insurers because they’d like more options. Update: Sentry now refers all customers to their Dairyland company specifically geared towards bikers – read the Dairyland review for further information.

Bodily Injury Liability – Should you ever hit someone with your motorcycle, this type of coverage helps pay for the injuries that they sustain. If the person needs any type of medical treatment, Sentry’s policy will help you pay for it.

Collision – In the event that you collide with a vehicle while driving, any damages that occur as a result of the crash will be paid for with collision coverage. This is a required type of insurance and each state has different limits. Anytime you collide with another automobile or object, your insurance will be responsible for damage reimbursement.

Comprehensive – If you have a nice motorcycle, it would be smart to get comprehensive coverage. This will insure you for virtually everything that isn’t already covered. Things like: burglary, animal damages, weather damage, and vandalism fall into the comprehensive category.

Medical Coverage – Anytime an accident takes place involving a serious injury, medical coverage will likely be needed. This helps pay for surgery, treatment, and hospital bills resulting from a serious car crash. In the event that death occurs, it will also financially compensate families for their loss.

Optional Parts & Equipment – Many people own bikes with expensive accessories and other equipment. If you have spent a lot of money on installing customized parts that do not come standard, you will want to buy extra coverage. The optional equipment coverage through Sentry is what you should add to a policy. If you only have standard parts, you don’t need to worry about this type of coverage.

Property Damage Liability – If you are involved in a crash that causes damage to the property of a third party, you are liable for whatever the costs to fix it. This type of coverage is required by law in every state. It is up to you to determine your property damage coverage limits with Sentry.

Uninsured / Underinsured Drivers – If you are ever in an accident with an individual that lacks insurance to pay for all damages that they’ve caused, you will need to pay out of pocket to fix your own bike. This coverage helps if a driver hits you, but doesn’t have insurance or doesn’t have enough insurance to pay for the damages.

Sentry Motorcycle Insurance Payment Options

At Sentry there are a few different payment options that you’ll have as a customer. You can either: pay “in full,” pay once every six months (i.e. twice annually), or once every month. Depending on your budget, it will be up to you to determine the payment plan that works best.

Pay In Full – One common payment plan that people take advantage of to save the most money is paying for a policy in full. This means making one large payment to the insurance company so that they have an entire year’s worth of coverage. This is less of a hassle for many people and it tends to be cheaper than the other options.

Twice Per Year – If you don’t want to pay monthly, but also can’t afford to pay one major chunk in full for a complete policy, you may want to opt for the twice a year billing. This allows you to make a payment once every six months. These payments are smaller than paying in full, but significantly larger than the monthly.

Once a Month – For individuals that don’t like to pay a lot of money down on their insurance, paying once a month generally works out best. Monthly isn’t usually as good of a deal as the other options, but for many people that can’t afford larger down payments, this is the smartest.

Sentry Payment Methods

  • Automated Payments
  • Check
  • Credit Card
  • Debit Card
  • EFT
  • Online
  • Phone

Does Sentry offer paperless billing?

Not likely. It is not discussed by the company nor is there any information regarding paperless billing options on the company website. It seems as though they have currently hired individuals to help make their company “paperless” – but they are a little bit behind other major insurers. If going paperless is a deal-breaker, you may want to contact them directly or consider a different company. For most individuals, the paper statements aren’t that big of a deal, but for many they serve as useless clutter. Most people want to set up automatic payments online, get an email notification when they are paid, and be done with all the extra paper.

Sentry Motorcycle Insurance Discounts

There are a few deals that are offered by Sentry to help you save on your motorcycle insurance. Compared to many other top insurance companies, the discounts are fairly measly. According to Sentry, the cheaper the insurance (even with discounts), the lower the quality. In other words, the old saying “you get what you pay for” is their motto. I don’t agree with that because there are other variables that can be taken into account to minimize risk. The more steps you take to reduce your risk to the insurance company, the more discounts you should receive.

Multi-Bike Discount – If you own more than one motorcycle, you can get the multi-bike discount if you insure both of them with Sentry. The more bikes you insure, the greater the average savings on your policy.

Homeowner Discount – Do you claim full ownership of your house? If you have proof that you are the rightful owner of your home, you can claim this discount. This is one way to show Sentry that you are responsible with money and payments.

Riding Group Discount – Anytime you are a member of a motorcycle riding group, you may be eligible for a discount. Not all groups will qualify for these additional savings, so contact Sentry for further information or if you have a question about the group that you ride with.

Safety Course Discount – Taking a safety course helps boost your motorcycle knowledge and shows Sentry that you are serious about being safe on the road. If you take one of their approved safety classes and pass the class, you will get the extra savings.

A.M. Best Rating: A+ (Superior)

Sentry has been around for over 100 years in the insurance industry and has a great financial strength rating of an “A+”. This suggests credibility when it comes to getting claims processed and handled in a timely manner. They have adequate funds to pay customers for insurance claims. Despite the fact that they offer auto insurance throughout only eleven states in the mid-west, they sell motorcycle insurance policies in over 40 states. This suggests that their motorcycle insurance program is well-liked and being sought after throughout the U.S.

Average customer reviews give Sentry insurance a 3/5 stars based on their motorcycle insurance program. In general, customers of Sentry have good things to say regarding the price. Most agree that they offer an exceptional rate on their coverage. However, based on independent research, some people have had issue with their claims process as well as how they’ve been treated when it came time to handle a claim. The overwhelming trend seems to be cost-effective coverage, with less of an emphasis on customer care and variety of coverage options.

Get Free Sentry Motorcycle Insurance Quotes Online!

If you are interested in checking out Sentry to insure your motorcycle, enter your Zip Code in the form below or at the top of the page. By entering your Zip Code, you will find out whether this Wisconsin-based company really will give you the best value for your dollar on a policy. Using the tools on this page are totally free and zero risk. All they do is compare the leading providers based on rate and coverage in your area. This should help you determine whether you should pursue Sentry or other providers you had in mind for your motorcycle insurance.

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