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Shelter Auto Insurance

Shelter Auto Insurance

 3.2/5 (39 ratings)
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About Shelter Auto Insurance

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Shelter Insurance offers coverage solutions for your home, business, vehicle and more. The company provides car insurance throughout the Midwest and the Southern U.S. It carries standard and optional coverages and offers discounts and exclusive opportunities in specific states. It also has special discounts for military and business drivers.

Overall Satisfaction Rating

  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars

Pros

  • Roadside assistance
  • 24/7 customer service
  • Mobile/online account management

Cons

  • Pricier than some other providers
  • Available in only 15 states

Bottom Line

Shelter offers solid auto coverage. Its rates are fairly affordable, and the company has special discounts. With Shelter, you can manage your policy online and get access to 24/7 customer service.

Top Shelter Auto Insurance Reviews

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Rated with 5 stars
Verified

Shelter has been one of the easiest companies I have ever worked with. My agent is extremely personal and easy to work with, and he embodies the values of Shelter as a whole. He i...

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Rated with 5 stars
Verified

I went to Shelter's office which is very close to me and a representative sat down with me and helped me with everything I needed. Their representative is always there to help whe...

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What is Shelter auto insurance?

Shelter is an insurance provider that writes auto coverage policies in 15 states in the Midwest and the Southern U.S. The company has more than 1,300 agents, provides 24/7 customer service and offers several discount and add-on policy options for your vehicle.

How does Shelter auto insurance work?

If you're interested in Shelter auto insurance, you can search for agents in your area on its website. The company offers both full and partial coverage policies at pretty standard rates. Shelter’s insurance options include:

  • Liability – bodily injury: Covers medical bills and court fees for those involved in an at-fault accident.
  • Liability – property damage: Pays to replace or repair any property you damage in your vehicle.
  • Roadside assistance: Includes fuel, flat tire, lockout, battery jump-start and towing services.
  • New car replacement: If your car is new and totaled in an accident, Shelter will replace it with the same make and model.

Here are some optional coverages you can add with Shelter:

  • Collision: Covers the repair and replacement of your car after an accident whether or not you’re at fault.
  • Comprehensive: Pays for the repair or replacement of your car if it's broken due to something other than a collision, like fire, flood or hail.
  • Medical payments: Covers medical treatment fees for injuries from a covered loss.
  • Personal injury protection: Covers loss of income and other expenses if you're unable to work due to an injury related to a covered accident.
  • Uninsured motorist – bodily injury: If you get in an accident with someone who doesn’t have insurance, this covers your medical fees and other expenses.
  • Uninsured motorist – property damage: Pays the costs of repairs or replacement if you're in an accident with an uninsured person who’s at fault.
  • Rental reimbursement: Covers the cost of a rental car while yours is out of commission due to an accident.
  • Accidental death: Provides payment in the event of accidental death of you or your spouse due to an auto incident.
  • Disability income: If you're injured in a car accident and can’t return to work, this coverage provides a weekly stipend for up to a year.
  • Gap insurance: If your financed car is totaled in an accident, this covers what you still owe.
  • Loss of use: Pays for putting your car in the shop after an accident.

You can make payments over the phone, online or through the mail. Shelter offers multipayment installment plans, as well.

Shelter auto insurance quotes and rates

Shelter offers reasonable prices, adequate coverage and 24/7 customer service. We used Shelter's online form to generate a quote for a driver in their mid-20s looking for basic coverage and several add-ons, like uninsured motorist and property damage insurance. The quote was for $239.61 per month.

The average cost of Shelter’s auto insurance is around $239 to $390 a month per person, but its several discounts can bring down your rate significantly. These discounts include:

  • Student
  • Accident-free
  • Multicar
  • Enhanced safety features
  • Accident prevention course
  • Military
  • Safe driver

Shelter auto insurance FAQ

Does Shelter cover windshield replacement?
Yes, windshield replacement is covered by Shelter’s comprehensive auto insurance.
Does Shelter have accident forgiveness?
No, Shelter does not offer accident forgiveness.
Where is Shelter Insurance available?
Shelter Insurance is available in Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma and Tennessee.
Does Shelter offer comprehensive coverage options?
Yes, Shelter offers comprehensive auto coverage.

Is Shelter auto insurance worth it?

Shelter’s auto coverage is worth it if you're looking for a standard and affordable coverage provider. Its basic policies are good for the price, and its agents can help you find the best add-ons for you and your family. We like its easy-to-use online quote tool and its various discount options.

Shelter Auto Insurance Reviews

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How do I know I can trust these reviews about Shelter Auto Insurance?
How do I know I can trust these reviews about Shelter Auto Insurance?
  • 3,426,712 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: June 18, 2020

So I started a claim back in February. We had a bad storm so I had hail damage real bad totaling in my car. I made the claim, went to get my appraisal and never heard back from them. Here it is June 18. For the last two weeks I’ve been calling the claims adjuster assigned. Never got a response. Call the one 800 number, spoke to a lady that gave me her supervisor number Jacob ** and he was just rude when I called him. He was like, "Yeah have. You can’t. What do you want?" after I told him I'm trying to see was going on and check the status of my claim. I’ve got three different totals amounts that they were going to pay for my car. One came out to 7000 then five 5800. Now it’s down to 4700 and he still can’t give me information. He telling me let him look into it, he will call me back just to get me off the phone while he’s eating!

5 people found this review helpful
Rated with 1 star
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Verified Reviewer Verified Buyer
Original review: May 18, 2020

My SL500 was hit parked, backed into across my passenger side. Here are some numbers you should keep in mind. These are the approved rates that they told me they can approve for work to be done on my car. Body work $56 an hour. Paint $56 an hour. Mechanical $85 an hour. Once you have your car checked out at a shop the actual cost will not ad up. If you own a Mercedes they will not adhere to the standards Mercedes strongly recommend that the shop is certified by Mercedes. The cost that I paid out of pocket to have my car repaired properly was over $1200, and they only paid out $560 for diminished value.

It was my choice to have the work done at that rate, but I was not willing to have my car repaired at a shop that worked at the rates they are will to pay. If you have a premium car that you truly love this company will not help you get it back into shape as it should be. I bought my car in flawless condition and they wanted to offer substandard compensation for repairs.

6 people found this review helpful

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    Rated with 5 stars
    Verified Reviewer
    Original review: Jan. 30, 2020

    Shelter has been one of the easiest companies I have ever worked with. My agent is extremely personal and easy to work with, and he embodies the values of Shelter as a whole. He is very hands-on with his customers, and he always makes sure that their needs are taken care of. Especially when it comes to claims. He was able to save money on several of my insurance needs. I will send everyone I know to him! Shelter- thank you for being so AWESOME!!

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    Rated with 1 star
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    Verified Reviewer
    Original review: Jan. 15, 2020

    If I could give them negative stars, I would. I am not a policy holder with Shelter, but if I was I would cancel my policy and find insurance elsewhere. Back in November 2019, my vehicle was side swiped while parked on the side of the road by someone insured by Shelter. I continuously got the runaround from both the person's insurance agent and the claims adjuster and was constantly reaching out 3-4 calls/emails at a time before getting a response. After over a month of dealing with this, I finally received the check and took my vehicle in to be fixed.

    When setting up my rental vehicle with Shelter, I was told the 17 day estimate on my vehicle repair "seemed lengthy" and that they would follow up with the body shop to be sure. I was also promised a rental vehicle comparable to my 2018 Chevy Silverado. When I got to the body shop, my rental car options were a Nissan Altima or I could pay $5/day for a Jeep Wrangler. I finally thought this whole situation was going to finally be over and then my body shop called to tell me my vehicle was done but that they wouldn't release it to me until they got approval from Shelter - they had reached out to them 10 times over a period of 2 weeks and had not gotten any return communications. I am frustrated and disappointed. This has been the worst experience I've ever had.

    8 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Dec. 4, 2019

    I was hit in my driver's door, spun around then hit the truck that hit me with the passenger door. I have been dealing with a claim's adjuster since February of 2019, still not resolved. They paid me a fair price for my automobile, which was a 2014 Chevy Cruz. However, getting my medial bills paid, and paying me for my injuries has been a nightmare. The claims adjuster I am working with doesn't return my calls, doesn't respond to my emails, unless I contact someone else in her office to give her a push. I am thoroughly disgusted with this process, and am sorry I didn't get an attorney at the onset.

    13 people found this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: Sept. 4, 2019

    My vehicle was totaled by fault of a driver with Shelter Insurance. Two weeks later and they won't return my calls, have been rude when I did talk to them, and won't pay even close to what my vehicle is worth. Their "comp" vehicles had over 100,000 more miles than mine. Adjuster told me that was all they would pay and said he knew I couldn't purchase another vehicle like the one I had for the price but that was "my problem." Told me if I didn't like it go get a lawyer. His supervisor wasn't any more cooperative or helpful.

    14 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: May 3, 2019

    I have all my insurance with Shelter, home, 2 cars, motorcycle and boat, 2 trailers. Because of bad storms in other states, they raised every policy I had, 50 dollars each, saying they did that to everyone. Having 3 claims in 20 years, this is plain old **, and talked to other people who had Shelter. They said they had no increase. Will unload them as soon as I find other insurance I can afford. Unhappy in Columbia, MO.

    22 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: March 4, 2019

    When I was purchasing Shelter auto insurance I have been told that the road assistance is included as well as towing service. My wife had recently an accident and Shelter Insurance refused to provide tow service for free during this essential time and charged me again. I highly recommend staying away from Shelter Insurance if you want to save money.

    16 people found this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: Jan. 10, 2019

    I have been with this company for 17 years. My agent just retired last year and since then I have been given agent, after agent, after agent. Each time the agent changes my charges change and most recently they couldn't even find my coverage for one of my cars. I am sad to see a great company go down the drain. I highly suggest you seek other insurance companies.

    28 people found this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: Jan. 4, 2019

    I was a proud Shelter insurance customer for 24 years! Yes 24 years of loyal service and lots of referrals in that time. I had the best agent Ray **. When he retired I was juggled through agents and my rates continually went up. When trying to add my teenage son things got worse. My agent couldn't communicate to me in terms that I could understand always pdf files and insurance garble with lots of different amounts everywhere. Then I got hit with an increase with 3 days notice to pay it. Needless to say after 24 years I canceled all 3 car ins policies and they didn't bat an eye.

    As of today I have also canceled my homeowners where I found out I was getting barely any coverage anyway. The sales rep called me and told me that if he made exceptions for me that he would have to it for everyone. So your loyal service to them means NOTHING AT ALL! He then advised me to think hard before canceling my life ins policies with them... Shelter is money hungry crooks and your loyalty to their company is equal to the guy who just signed up. Poorest customer service ever. They are getting as greedy as the water and electric companies. DO NOT GET SHELTER!

    18 people found this review helpful
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    Shelter Auto Insurance Company Information

    Company Name:
    Shelter Auto Insurance
    Year Founded:
    1946
    Address:
    1817 West Broadway
    City:
    Columbia
    State/Province:
    MO
    Postal Code:
    65218
    Country:
    United States
    Website:
    www.shelterinsurance.com