Shelter Insurance offers a comprehensive suite of coverage options to meet the diverse needs of car insurance buyers. With a strong presence in 15 states, Shelter Insurance is known for its wide range of policy add-ons, customer service, and claims satisfaction. However, it tends to be more expensive compared to other insurers. This article will delve into the various coverage options, costs, discounts, and customer experiences associated with Shelter Insurance.
Key Takeaways
- Shelter Insurance provides a wide range of coverage options including bodily injury liability, property damage liability, roadside assistance, collision coverage, and comprehensive coverage.
- The company operates in 15 states, offering state-specific coverage options and rates that can be higher than the national average.
- Shelter Insurance offers several discounts and savings opportunities, although it does not have a usage-based insurance program.
- Customer service and claims satisfaction are strong points for Shelter Insurance, as evidenced by good scores in J.D. Power studies.
- While Shelter Insurance has many advantages, it is not available in all states and can be more expensive than some competitors.
Understanding Shelter Insurance Coverage Options
Shelter Insurance offers a variety of coverage options to meet the diverse needs of its customers. Understanding these options can help you make an informed decision about the best coverage for your situation.
Additional Policy Add-Ons with Shelter Insurance
Shelter Insurance offers a variety of additional policy add-ons to enhance your coverage and provide extra peace of mind. These add-ons can be tailored to meet your specific needs and ensure you are well-protected in various situations.
Shelter Insurance in Different States
States Where Shelter Insurance is Available
Shelter Insurance offers a comprehensive range of coverage options in 15 states. These states include:
- Arkansas
- Colorado
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Mississippi
- Missouri
- Nebraska
- Nevada
- Ohio
- Oklahoma
- Tennessee
State-Specific Coverage Options
While the core offerings remain consistent, Shelter Insurance provides state-specific coverage options to cater to local regulations and needs. For instance, certain states may have unique requirements for car insurance, which Shelter accommodates through tailored policies.
Comparing Rates Across States
The cost of Shelter Insurance can vary significantly from one state to another. Below is a table comparing the average costs for car insurance in a few states:
| State | Average Annual Cost |
|---|---|
| Arkansas | $1,200 |
| Colorado | $1,350 |
| Illinois | $1,100 |
| Indiana | $1,050 |
It’s important to compare rates and coverage options to find the best fit for your needs. Shelter Insurance may have higher-than-average costs, but it also scores well in service and claims experience.
Evaluating Shelter Insurance Costs
Average Costs for Minimum Coverage
Shelter Insurance offers a range of coverage options, but its costs can be higher than average. For minimum coverage, good drivers pay an average of $837 per year or $70 per month. This is slightly above the national average of $798 per year.
Average Costs for Full Coverage
When it comes to full coverage, Shelter Insurance tends to be more expensive. The average annual premium for a full coverage policy is $2,443, or $204 per month. This is notably higher than the national average of $1,968 per year.
Factors Influencing Insurance Rates
The cost of your Shelter Insurance policy will depend on several factors, including:
- Age
- Driving history
- Credit score
- Location
- Marital status
- Deductible
Car insurance rates are highly personalized, so the only way to know how much a provider’s coverage would cost is to get a free quote. Shelter may end up being the cheapest option depending on your situation.
According to proprietary rate data from Quadrant Information Services, Shelter’s average annual premium for a full coverage policy is $2,159. Its rate for a minimum coverage policy is slightly higher than the national average.
Shelter Insurance Discounts and Savings
Available Discounts
Shelter Insurance provides a variety of discounts to help policyholders save on their premiums. These include discounts for safe drivers, multi-policy bundling, and more. Here are some of the key discounts available:
- Safe Driver Discount
- Multi-Policy Discount
- Good Student Discount
- Anti-Theft Device Discount
- Defensive Driving Course Discount
How to Qualify for Discounts
To qualify for these discounts, policyholders need to meet specific criteria. For instance, the Safe Driver Discount is available to those with a clean driving record, while the Good Student Discount is offered to students who maintain a certain GPA. Installing an anti-theft device in your vehicle can also make you eligible for a discount.
Maximizing Your Savings
To maximize your savings with Shelter Insurance, consider the following tips:
- Bundle your insurances: Combining multiple policies, such as auto and home insurance, can lead to significant savings.
- Maintain a clean driving record: Avoiding accidents and traffic violations can help you qualify for the Safe Driver Discount.
- Take a defensive driving course: Completing an approved course can not only make you a safer driver but also earn you a discount.
- Install safety features: Adding anti-theft devices and other safety features to your vehicle can reduce your premium.
By taking advantage of these discounts and following these tips, you can make your Shelter Insurance policy more affordable while still enjoying comprehensive coverage.
Customer Experience with Shelter Insurance
J.D. Power Ratings
Shelter Insurance has received commendable scores from J.D. Power, reflecting its strong reputation in the industry. The company is rated 4.2 out of 5.0 stars overall, indicating a reliable choice for those residing in the 15 states where it operates. The ratings across various categories are as follows:
| Category | Rating |
|---|---|
| Reliability | 4.2 |
| Availability | 4.1 |
| Coverage | 4.1 |
| Cost | 4.5 |
| Service | 4.0 |
| Technology | 4.3 |
Customer Service Reviews
Customer reviews for Shelter Insurance are mixed. On the Better Business Bureau (BBB), the company has a 1.2-star rating from fewer than 30 reviews. Common complaints include difficulties in getting claims covered and slow payment processes. However, it’s worth noting that Shelter Insurance has addressed over 80 customer complaints in the past three years, resolving more than 40 in the last 12 months.
While some customers have expressed dissatisfaction, Shelter Insurance has shown a commitment to resolving issues, especially when errors are identified on their part.
Claims Process and Satisfaction
The claims process with Shelter Insurance has been a point of contention for some policyholders. Customers have reported challenges in receiving full repair costs and experiencing delays in claim payments. Despite these issues, the company has made efforts to address and resolve complaints, demonstrating a willingness to improve customer satisfaction.
Overall, the customer experience with Shelter Insurance is a mix of positive ratings and areas needing improvement. The company’s proactive approach to resolving complaints is a positive sign, but there is room for enhancement in their claims handling process.
Pros and Cons of Shelter Insurance
Advantages of Choosing Shelter Insurance
Shelter Insurance offers a wide range of coverage options, making it a versatile choice for many consumers. Additionally, policies automatically include new car replacement and roadside assistance, which can be a significant benefit. The company also boasts an above-average J.D. Power claims rating, indicating strong performance in customer satisfaction.
Potential Drawbacks
One of the main drawbacks of Shelter Insurance is that it can be more expensive than some competitors. Additionally, it is not available in all states, limiting its accessibility. Another downside is the lack of a usage-based insurance program, which some modern consumers may find appealing.
Comparing Shelter to Other Insurers
| Feature | Shelter Insurance | Competitors |
|---|---|---|
| Coverage Options | Wide Range | Varies |
| New Car Replacement | Included | Sometimes Extra |
| Roadside Assistance | Included | Sometimes Extra |
| J.D. Power Rating | Above Average | Varies |
| Cost | Higher | Varies |
| Availability | 15 States | Nationwide |
| Usage-Based Program | Not Available | Often Available |
Shelter Insurance provides a comprehensive array of coverage options but may not be the most cost-effective choice for everyone. It’s essential to weigh these factors when considering your insurance needs.
When considering Shelter Insurance, it’s essential to weigh both the benefits and drawbacks to make an informed decision. Shelter Insurance offers comprehensive coverage options and excellent customer service, but it may come with higher premiums compared to other providers. To explore more about Shelter Insurance and find the best policy for your needs, visit our website for detailed reviews and expert advice.
Conclusion
Shelter Insurance stands out as a comprehensive provider of various insurance coverages, including auto, home, life, farm, and business insurance. With nearly 80 years of experience and a strong presence in 15 states, Shelter Insurance offers a wide range of options to meet diverse customer needs. While its costs may be higher than some competitors, the company excels in service and claims experience, as evidenced by its strong ratings from J.D. Power. Additionally, Shelter Insurance provides valuable add-ons and discounts, making it a viable option for those seeking robust and reliable coverage. Overall, Shelter Insurance is a solid choice for individuals looking for extensive coverage and excellent customer service.
Frequently Asked Questions
Is Shelter Insurance a good company?
We rate Shelter Insurance 4.2 stars out of 5.0 and recommend it as an option to consider if you live in one of the 15 states where it’s available. Shelter Insurance has good scores from J.D. Power and offers a wide selection of coverage.
What coverage options does Shelter Insurance provide?
Shelter Insurance provides several coverage options including bodily injury liability, property damage liability, roadside assistance, and new car replacement coverage. Additional policy add-ons are available such as collision coverage, comprehensive coverage, medical payments coverage, rental reimbursement, and accidental death coverage.
In which states is Shelter Insurance available?
Shelter Insurance is available in 15 states: Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, and Tennessee.
What are the pros and cons of Shelter Insurance?
Pros: Offers a wide range of coverage, automatically includes new car replacement and roadside assistance, and has an above-average J.D. Power claims rating. Cons: Can be more expensive than some competitors, not available in all states, and does not offer a usage-based insurance program.
How much does Shelter Insurance cost?
Good drivers pay an average of $837 per year for minimum coverage and $2,443 per year for full coverage with Shelter Insurance. These rates are higher than the national averages of $798 per year for minimum coverage and $1,968 per year for full coverage.
What discounts does Shelter Insurance offer?
Shelter Insurance offers multiple discounts for auto insurance, though specific details about the discounts were not provided in the available information.
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