Shelter Car Insurance

Introduction

Affordability, useful coverage options, and friendly customer service set Shelter Insurance Company apart from the competition.

Pros and Cons

Unique Shelter Auto Insurance Features

• New car replacement coverage: Shelter will cover the cost of a brand-new vehicle of the same year, make, and model if you total a new car you bought within the last year with less than 15,000 miles on it. Auto insurance policies for new vehicles include this benefit as standard, which is unusual.
• Disability income coverage: Shelter will pay you a weekly stipend for up to a year if you're injured in a car accident and can't return to work. All states may not have access to this type of insurance.
• Accidental death coverage: If you or your spouse die in a car accident, accidental death coverage will pay out. Adding additional family members is possible.
• Gap insurance: If your collision coverage doesn't cover the full amount you owe on your vehicle after it's totalled, Shelter will pick up the slack.

Shelter Auto Insurance Coverages

Using Shelter's website, you can search for agents in your area if you're interested in their auto insurance policies. Full and partial coverage policies are available at reasonable prices from the company. Shelter’s insurance options include:

• Liability coverage
• Uninsured/Underinsured motorist coverage
• Comprehensive coverage
• Collision coverage
• Medical payments/Personal injury protection

To understand more, check out types of auto insurance coverage in the US.

Shelter Car Insurance Vs Competitors

Shelter Auto Insurance Discounts

• Safe driver discount.
• Good student discount.
• Discount if you pay your premiums in full every six or 12 months.
• Multi-car discount.
• Companion policy discount if you're at least 48 years old and own another qualifying Shelter policy.
• Discount if you have both a life insurance policy and a property policy along with your auto insurance.
• Safety discount if your car has factory-installed air bags or automatic seat belts.
• Discount if you pass an accident-prevention course.
• Military discount for active personnel based in Louisiana.
• Discount if every driver in your household younger than 21 has completed an approved driver’s education class.
• Anti-theft device discount (available in Kentucky and Illinois only).
• Discount on uninsured and underinsured motorist coverage when your household has at least two vehicles, motorcycles or motor homes insured with Shelter (Nevada only).
• Window identification discount if you have your car’s vehicle identification number etched into every window (Louisiana only).

Shelter Complaints and Customer Satisfaction

Customers are generally pleased with their experience with Shelter. Policyholders appear to have no major complaints about customer service, claim handling, or compensation. Due to high premiums and unfriendly agents, some customers are less than pleased with the service they receive from the insurance company. Shelter car insurance has received an "A" rating from AM Best, which indicates that it is financially sound. Furthermore, it demonstrates to policyholders that the company has sufficient funds to repay them after a covered loss and is unlikely to declare bankruptcy or close its doors for good.

An independent study conducted in 2021 found that Shelter Insurance was rated the most satisfied car insurance provider in all of the states in the Central Region, including Arkansas, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, Oklahoma, and South Dakota. With an overall score of 856/1,000, it came out on top among the 13 service providers evaluated. J.D. Power does not rate Shelter Insurance for claim or purchase satisfaction because it is a smaller, regional auto insurance provider.

Customer satisfaction and financial strength ratings for Shelter are excellent, but there have been a large number of complaints. Compared to the industry average of 1.0, the complaint index for auto insurance at Shelter is a hefty 4.91.

Way Summary

If you live in the coverage area, Shelter car insurance is an excellent choice. Every policy comes with free roadside assistance and coverage for a brand-new car as a courtesy from the insurance provider. Discounts are also available from Shelter, but not all of them are available in every state.

About Shelter Car Insurance

Columbia, Missouri is home to Shelter Insurance. Shelter only sells car insurance in 15 states: Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, and Tennessee. Auto insurance from Shelter comes standard with a variety of optional coverages. Non-standard insurance, such as SR-22s, are not advertised by the company.

A Brief History of Shelter

Shelter Insurance Group, headquartered in Missouri, was established in 1946. Shelter offers a wide range of additional policies, including collision and comprehensive insurance. In addition, drivers can save money on their auto insurance by taking advantage of the numerous discounts offered by Shelter.

Shelter’s Charitable Causes

In the wake of the coronavirus pandemic, ICMIF member Shelter Insurance (USA) has announced that it will reimburse personal auto policyholders for 30% of their monthly premiums. To that end, Shelter has announced a donation of USD 1.5 million to the communities it serves across the 15 states where it does business.

An additional USD 1.5 million has been allocated to help those affected by the recent natural disasters in Shelter Insurance's service areas by the Shelter Insurance Foundation.