Sparta Auto Insurance Review (2024)
Sparta auto insurance specializes in commercial insurance that includes worker's compensation and professional and vehicle liability for the hospitality and manufacturing industries.
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
UPDATED: Sep 24, 2024
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.
UPDATED: Sep 24, 2024
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.
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Sparta Insurance Company
Average Monthly Rate For Good Drivers
$74A.M. Best Rating:
A-Complaint Level:
Low- Sparta Insurance Company is a privately owned insurance underwriter
- Sparta Insurance Company and its subsidiaries are active in all 50 states and the District of Columbia
- Some national insurance providers prefer to use local agents as a means of selling and servicing policies
Sparta Insurance Company is a privately owned insurance underwriter established in the spring of 2007 to fill very individualized insurance needs, not to be mixed up with Sparta Automotive or Sparta Capital Management.
What are the pros of Sparta? Well, they are a property and casualty company specializing in unbundled insurance products and services for specialty needs. The types of products they offer cover everything from commercial liability to captive reinsurance to transportation and logistics.
Sparta Insurance Company and its subsidiaries are active in all 50 states and the District of Columbia, offering a wide range of commercial insurance services.
Areas of specific interest include worker’s compensation, commercial vehicle liability, professional liability, hospitality industry coverage, manufacturing liability, and housing and real estate.
Enter your ZIP code in our free search tool above to begin your search for online auto insurance rates!
What You Should Know About Sparta
Some national insurance providers prefer to use local agents as a means of selling and servicing policies. Others prefer a direct-to-customer approach utilizing corporate employees for the same tasks.
Sparta Insurance Company prefers the direct-to-customer approach. All of their agent functions are handled through corporate employees who are full-time staff.
Independent agents work well for standard types of insurance, like your everyday home and auto policy, it’s a bit more difficult when dealing with specialty insurance.
By its very nature, specialty insurance requires a more comprehensive look at coverage needs, liability limits, and circumstances that may affect a policy.
Companies like Sparta are more comfortable dealing with the special needs on their own rather than entrusting them to local, independent agents.
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Sparta Insurance Company Locations
Even though Sparta Insurance Company is active all over the country, the only address we could find is for their Hartford, Connecticut headquarters.
A quick Internet search of the Sparta name does reveal a half dozen or more locations in various states.
It's not possible to tell from these listings whether or not these offices are in any way related to the Sparta Insurance Company.
At least one of the offices we found turned out to be a local agency that offered a variety of insurance products at the consumer level. It's quite likely that the rest of these offices operate on the same basis.
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Sparta Insurance Company Careers
Sparta provides a careers link on its website where interested candidates can learn more about job opportunities. You might ask, how many employees does Sparta have? Unfortunately, that information is not readily accessible online.
At this time there are no openings available for new hires, but job seekers are encouraged to submit a resume for future openings.
When there are no new openings, they will be listed along with complete descriptions, requirements, and resume submission information.
What are the benefits of Sparta? Benefits received by Sparta employees include what one would normally think of for an insurance company.
Employees receive the following perks:
- Health
- Prescription
- Dental and vision coverage
- Retirement plan
- Paid vacations and holidays
- Disability insurance
- Educational assistance
Sparta Insurance Company Financials
Sparta's A.M. Best rating of "A-" is sufficient evidence that the company is on firm financial footing. One would expect as much from a privately-owned insurance company funded primarily through private equity dollars.
When a private equity company invests in a project like Sparta they generally commit enough funding to last the lifetime of their investment, which is normally three to five years.
That being said, the most recent reporting of Sparta's financial data shows they seem to be doing well.
As of last year, they listed working capital of $4.5 million, a policy surplus of $249.5 million, and total assets of more than $280 million. A.M. Best is impressed with Sparta's capitalization, liquidity, and ability to meet short and long-term obligations.
At this point, there's no reason to believe the company will not continue on into the foreseeable future. If you're looking for insurance through a Sparta auto plan or even a Sparta auto protection plan, you should be able to find coverage.
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Frequently Asked Questions
What is Sparta Auto Insurance?
Sparta Auto Insurance is a car insurance provider that offers coverage for individuals and their vehicles. They provide various types of auto insurance policies tailored to meet the specific needs of their customers.
What types of auto insurance does Sparta offer?
Sparta Auto Insurance offers a range of auto insurance coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, personal injury protection, and more. They can help you customize your policy to suit your specific requirements.
How can I get a quote for Sparta Auto Insurance?
To get a quote for Sparta Auto Insurance, you can visit their official website or contact their customer service. They typically require information such as your personal details, vehicle information, driving history, and coverage preferences to provide an accurate quote.
What factors determine my auto insurance premium?
Several factors can influence your auto insurance premium, including your driving record, age, location, type of vehicle, coverage limits, and deductible. Additionally, factors such as your credit history and claims history may also be considered.
Can I manage my Sparta Auto Insurance policy online?
Yes, Sparta Auto Insurance provides online tools and resources that allow policyholders to manage their policies conveniently. This may include making payments, viewing policy documents, updating personal information, and accessing customer support.
What should I do in the event of an accident?
If you are involved in an accident, it is important to prioritize safety and promptly report the incident to Sparta Auto Insurance. They will guide you through the claims process and provide assistance for necessary repairs or medical expenses, depending on your coverage.
Does Sparta Auto Insurance offer discounts?
Yes, Sparta Auto Insurance offers various discounts to help policyholders save on their premiums. These discounts may be based on factors such as safe driving records, multiple policies, vehicle safety features, and more. It is recommended to inquire about available discounts during the quote process when looking for car insurance through Sparta.
Can I add additional drivers to my Sparta Auto Insurance policy?
Yes, you can usually add additional drivers to your insurance policy for auto with Sparta. However, the specifics may vary, so it’s best to consult with a representative from Sparta Auto Insurance to understand the process and any potential implications.
How can I contact Sparta Auto Insurance for customer support?
To contact a Sparta auto plan customer service expert, you can refer to their official website for contact information.
If you’re looking for a Sparta auto insurance phone number, they may provide options such as phone, email, or online chat to assist you with your inquiries, policy changes, or claims.
Can I cancel my Sparta Auto Insurance policy?
Yes, you can typically cancel your Sparta car insurance policy. However, the process and any associated fees or penalties may vary depending on the terms and conditions of your policy. It is advisable to contact their customer service directly to understand the cancellation process.
Is Sparta Insurance Company the same as Spartan Insurance Company?
No, Sparta Insurance Company is not the same as Spartan Insurance. If you are looking for a Spartan auto insurance policy, make sure you contact the correct company.
You can check online for Spartan insurance reviews as well as Spartan claims reviews when searching for Spartans auto insurance coverage.
And don’t be confused by Affiliated Spartan Insurance, an additional insurance provider. Always verify which company you are comparing coverage for before purchasing.
Can I buy a Sparta car warranty insurance plan?
Typically you can find warranty plans from insurance companies, and Sparta auto warranty offers peace of mind for policyholders.
You can also check the Sparta auto extended warranty reviews to find out what other customers say, too. Additionally, you can look at the Sparta auto warranty BBB rating and Sparta auto sales reviews.
Compare the basic Sparta extended warranty to the comprehensive coverage of the Sparta auto plan warranty in order to find the best coverage for your needs.
Use the Sparta auto warranty phone number to talk to a specialist about your policy.
What is Sparta payments?
So what is a Sparta payment? Well, Sparta payments is a separate company that does not provide auto insurance. If you are looking for the Sparta payments phone number, you can go to their website for more information.
Can I purchase a Sparta home warranty?
You may want to contact Sparta Capital Management in Houston, TX for a home warranty, as it is unclear whether Sparta Insurance Company offers that as an option.
Who is the biggest insurance broker?
The top insurance broker is Marsh McLennan.
What does Sparta Global do?
Sparta Global is a separate company from Sparta Insurance Company, but you might be curious how does Sparta Global work, and who is the owner of Sparta Global?
Sparta Global is a hire, train, and deploy (HTD) company that helps employees know how to use technology to better do their jobs. It was founded by David Rai and Tim Staton.
How does Sparta make money?
Sparta Insurance Company makes money by offering various coverage options to customers based on their own individual needs.
You might also wonder how much is Sparta worth? When it was first founded, Sparta Insurance raised more than $279 million.
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
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.