UPDATED: Sep 5, 2020
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AutoinsuranceEZ.com Rating:Shelter Insurance underwrites auto policies and more in 14 different states, mostly located in the Midwest and the south. They give their customers the option of either getting a quote and managing their policy online or doing business face-to-face with an agent. Shelter is actually structured as a group of insurance companies which include Shelter Mutual, Shelter General, Shelter Life, Shelter Reinsurance, and Haulers Insurance Company.
Shelter Insurance Review
As far as ratings go, Shelter has some pretty strong rankings in both customer service and financial strength. AM Best has given them an A rating of excellent, and they have an A+ with the Better Business Bureau with no customer complaints filed through their organization within the last 3 years.
|AM Best Financial Strength Rating (2016)||A|
|Better Business Bureau Rating (2016)||A+|
|NAIC Complaint Index (2012)||0.36 (better than average)|
Shelter Insurance Discounts
It’s rare these days to find an automotive insurance company that doesn’t offer discounts for their customers. Shelter offers plenty, but they don’t openly advertise exactly how much you can expect to save. Still, many of the discounts they offer are very common, so it shouldn’t be difficult to qualify for at least a few:
|Discount||How to Qualify|
|Multi-Policy Discount||Bundle auto + at least one other insurance product together onto the same policy|
|Safe Driver Discount||Keeping a clean, accident- and ticket-free driving record for a period of time|
|VIN Discount||Purchasing a vehicle with a visible VIN number (Louisiana only)|
|Active-Duty Military||Active duty military personnel stationed at a Louisiana military base qualify (Louisiana only)|
Shelter Auto Insurance Options
Shelter, like many other companies in the automotive insurance industry, has certain coverages they will offer you even if you only purchase a bare minimum policy. This mandatory coverage includes:
- Bodily Injury Liability
- Property Damage Liability
- Roadside Assistance
- New Car Replacement
However, if you want more protection and you have the money to purchase a more expensive policy, you can also add the following benefits to your insurance policy:
- Medical Payments
- Personal Injury Protection (No Fault)
- Uninsured/Underinsured Motorist Bodily Injury
- Uninsured Motorist Property Damage
- Rental Reimbursement
- Emergency Road Service Reimbursement
- Accidental Death
- Disability Income Coverage
- Gap Insurance
- Loss of Use
Comparing Shelter Insurance Quotes
Some motorists may be surprised to find out that insurance quotes don’t just differ from one company to another – they can also vary greatly from one driver to another even if they have policies from the same company. This is because your monthly premium is calculated by your risk profile, which may be high or low depending on how risky of a driver you are: