Shelter Auto Insurance Review for 2023
Free Auto Insurance Comparison
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
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 partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
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.
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:
As you can see in the chart above, younger drivers who have less experience driving (and are more likely to get into an accident) are charged much higher rates than older adult drivers and senior citizens. It’s also likely that older drivers get discounts for owning their home, bundling policies, and more.
Pros and Cons of Shelter Insurance
|High financial strength rating||Certain underwriters within the Shelter insurance family charge higher rates than others – be careful when shopping for quotes|
|Lower than average amount of customer service complaints||Auto policies only available in the Midwestern and Southern states|
If you are an older, lower-risk driver who owns their own home, you might be able to get some decent coverage for an affordable rate if you request a quote from Shelter. But higher-risk drivers and younger drivers might run the risk of getting charged some pretty high rates. No matter which insurance company you decide to give your business to, be sure to compare their quotes with other providers in your area. It’s the easiest way to get the best deal.Corporate Headquarters
1817 West Broadway
Columbia, MO 65218