Sublimity Insurance Review

Sublimity Insurance Overview

Sublimity Insurance Company is one of the oldest insurers in Oregon, dating back to its founding in 1896 when the Oregon landscape was primarily rural. The initial mission was to help farmers in Sublimity, Oregon protect their property with solid coverage at affordable prices. They soon established the “Farmers Fire Relief Association of Sublimity” and created a mutual insurer, where the company is owned in full by the policyholders. The name Sublimity was chosen because that’s where it was founded, in Oregon. 

Since its founding, Sublimity has engaged in careful, prudent management, which has allowed it to weather severe storms over many decades. In 1954 another name change took place. This time it was changed to the Sublimity Fire Insurance Co. The final name change took place in 1972 when the company name was shortened to Sublimity Insurance Co.

In 2003, United Heritage Financial Corporation acquired the company and had played an essential role in UHFG’s recent growth. Sublimity uses UHFG resources, such as investment professionals and I.T management, to strengthen the performance of the company’s product lines and customer retention in an ever-changing, volatile marketplace.

The proven business principles implemented way back in the late 1890s are still relevant today and have kept the company on a solid foundation going forward.

Sublimity Insurance Company Availability 

The company currently sells its insurance products in three northwest states through independent insurance agents. These include: 

• Oregon
• Idaho – began writing policies in Idaho in 1991
• Utah – became licensed in Utah in 2008  

If you live in one of these three states and want to get a quote, call a Sublimity Insurance agent and get a free quote over the phone. 

Insurance Products 

There are four basic lines the insurer offers.

• Automobile Insurance 
• Homeowners Insurance
• Umbrella Coverage
• Farm Insurance

Sublimity Car Insurance

Auto insurance is a popular choice. Three main coverage options are available:

• Liability Only
• Collision
• Comprehensive 

For car insurance, customers are offered the option of split limits or single combined limits for liability coverage. Rates are often not as cheap as other major discount insurers like Esurance, but their rates are competitive and offer several discounts that let custotomer get car insurance under $100 a month or a little more. 

One of the main benefits of buying an automobile insurance policy with Sublimity is the many add-on options offered.

Roadside Assistance: If your vehicle has a breakdown, or you are locked out or run out of gas, this added-on coverage is essential. Sublimity has some of the cheapest Roadside Assistance coverage you can get. 

Rental Reimbursement: The insurer has some of the best claims services in the insurance industry. This includes policyholders being reimbursed for rental car expenses while their automobile is being repaired. 

Auto Loan and Lease Coverages: Many people today finance their vehicles with auto loans or lease them. If you get into a severe auto accident that “totals” your car, this coverage will pay off the remaining lease payments or remaining auto loan balance. 

Special Equipment: Many people modify their vehicles after purchase. It can include adding on wheelchair hydraulic assistance, expensive exhaust, and many more items. This coverage will pay for losses incurred for these aftermarket upgrades. 

Uninsured Motorist Protection: More uninsured drivers on the road than you might think. Adding on Uninsured Driver Protection is one of the smartest investments you can make. It only costs a few dollars a month with Sublimity, and it can save you tens of thousands if an uninsured driver hits you and causes major vehicle damage and bodily injuries.  

Sublimity Insurance Discounts

This insurer has several discounts that can save you some big bucks.  

• Good Driver Discount: Good drivers can save 10% and more with Sublimity. Call an agent to get a quote if you have a clean driving record with no accidents. 
• Bundling Discounts: If you own multiple vehicles and are a homeowner, you can save hundreds per year by bundling. 
• Good Student Discount: Students with high GPAs (over 3.5) can save 5% and more.   

• Accident Waiver: If you have been insured with Sublimity for years, you may qualify for a surcharge fee if you get into an accident. 
• Drivers Education: If you complete a certified driver’s education course, you can save up to 10%. 

To get a Sublimity auto insurance quote, you need to call an agent. Currently, you cannot get a direct quote online. 

Sublimity Home Insurance

If you are a homeowner that needs solid protection or a renter, Sublimity has a broad range of options for you. The company offers many options and additionally covers personal property and personal liability insurance. 

You can meet with a Sublimity Insurance agent in person or over the phone, and they will carefully go over your needs when it comes to insuring your home. Get flood protection and replacement cost coverage, all for less than many competitors. 

You can save a lot on Sublimity Homeowners Insurance by combining it with auto insurance into one policy. As you can’t get an online quote, call an agent to get a quote over the phone.  

Our Take On Sublimity Insurance Co.

After reviewing several websites, we rank Sublimity Insurance Company with a 4.5 out of 5 stars, which is an excellent ranking. They have one of the best claims departments of any national insurer and go out of their way to help each customer with any issue, however big or small it is.   

Sublimity takes the time to listen to customers' needs and, most importantly, solve problems in a timely manner.

If you live in Oregon, Idaho, or Utah and need auto or home insurance, it’s definitely worth your time to get a quote. Sublimity is an established company with outstanding customer service, backed by its parent company United Heritage. 

The only drawback is they often do not have the cheapest rates. Get a quote today for all your insurance needs. To get started, just enter your zip code.