Industry Average: 75
Industry Average: 7.7
Industry Average: 8
Industry Average: 7
Shelter Insurance traces its roots back through a hundred-years old farmer’s association, while moving into the modern age with an updated name and approach. Today, the company prides itself on being one of the top regional insurance companies in the country, offering coverage in 18 states. Shelter provides a wide range of insurance products, including coverage for your home, life, car, farm, business and more. It will most likely appeal to those who seek a regional insurer with a strong financial backbone and who want to insure multiple lines of business in one place.
Lines of Business:
When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Shelter
|Available Option||What it means|
Loss of Use Coverage
Covers any additional living expenses, meaning any necessary expense that exceeds what you normally spend.
Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.
Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.
Helps pay off your auto loan if your car is totaled or stolen and you owe more than the car's depreciated value.
Comprehensive Claim Forgiveness
Protects your driving record from being affected by the insurance company's rating system for a comprehensive claim on your history, thus preventing your insurance premium from going up due to this type of accident.
New Car Replacement Coverage
Pays the value of a brand new car of the same make and model of the your car if your car is declared a total loss.
Emergency Lockout Coverage
Service that helps you get back in your car if you locked them inside, or can’t find them.
While all companies offer a range of auto insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.
What does this mean?
Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Shelter has below in order to help determine which ones may fit your profile (though keep in mind that they can vary by state).
|Available Option||What it means||Discount Data|
Typically relates to a driver's history (or lack thereof) of accidents and violations. Often has a 3 to 5 year lookback period.
Applies to vehicles with safety features such as automatic braking systems (ABS), airbags, or automatic seatbelts.
Anti Theft Device
This discount is for cars with alarms and other theft deterrents. It typically only applies to comprehensive coverage, however.
How does Shelter compare to other insurance companies? Click the following links below to compare Shelter to other top insurance companies.