Shelter Auto Insurance Reviews

I really appreciate the patience and professionalism from Melissa. She helped answer all of our questions patiently and politely. She was willing to work out any problems or questions we had to where we were happy with our result!

I switched to Shelter two months ago because they gave me a good quote for both auto and homeowners. I just purchased my house. And then I had a car accident March 9. Shelter sent me a letter stating that my auto policy was being cancelled effective March 30. When I called to inquire about it, I was informed that my home owners insurance was also set to cancel on April 19. But I had not received anything regarding an issue with my homeowner’s policy. They then sent me another letter stating that I had requested the cancellation for the auto policy. I had made several phone calls to my local agent to try and get this resolved. And left voicemail. But did not get a call back. I’m very frustrated with Shelter. It has been a waste of time and I definitely would not recommend them! Very poor customer service.

Lazy insurance adjusters who want you to do all of the work. Insurance adjusters that leave a lot of questions unanswered. Our car was deemed a total loss weeks ago and the loan still hasn’t been paid. I would not recommend Shelter to anyone.

Shelter dropped my auto insurance on 2 of my vehicles. Without warning. And I was on autopay. I didn't find out till Nevada DMV sent me a letter about lapsed insurance. I just found out what they did will cost ME $3000.00 TO FIX. I'm going to have to sell my cars. I'm broke now. There are thousands of us. CLASS ACTION LAW SUIT IN PROGRESS. Contact **

Don't use this insurance company, my agent Jeff ** was very deceptive on just how much my monthly bill was, he lied. Never sent me my actual policy, I called Progressive & he lied about my entire policy.... attached screenshots of how he double billed me. After asking around I'm not the only person he's done this to.

I was with them for over 20 years. I needed insurance for my daughter and they wanted to hike our rates on all our vehicles. They wouldn't work with us at all. So, we switched to Progressive, which gave us much lower rates. A couple of months later, we got a bill for $110 because they had adjusted our rates on a policy that had already been paid.

This is February 26, 2024. My is broke down. I literally starting calling this company at 8:30 a.m. to just get my car towed. I started with contacting 1-800 Shelter..the lady did not speak English..I asked her to transfer me to someone that spoke English.. she refused to do that.. Then had to deal with 2 other agents with Shelter by the name of Cindy from the Sellersburg, IN area to another agent by the name of Angie..both agents behave as though they are 2 year olds. I asked Angie and Cindy if they would please get a towing company that was located in Salem, IN, they both said no, so a towing company did not come to pick up my car for a total of 5 hours.

We have had Shelter Insurance for home, auto and some personal insurance for 30 years. We have had fair success with small claims but until a May 7th severe hail storm no experience with major claims. It is now 3 months since the storm and we have received only a partial check for less than 1/3 of the total estimate from their recommended contractor. The contractor has been very patient but requires a 50% down payment to order products for the repairs. The agent has been hard to reach and the claims estimator says he mailed a supplemental check 2 weeks ago but it has not been received. He now says he has to cancel the check and issue a new check.

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!

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.

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!!

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.

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.

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.

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.

We were quoted a price for our general liability insurance which we paid annually. We paid for 2018 in Dec 2017. We then paid our annual premium for 2019 in Dec 2018. In Jan 2019 we were back billed for 2018 and they were charging more than double what the quoted us! We immediately cancelled our policies after paying for the entire 2019 year! Now we have been told we owe them money and they will be turning it into collections!!! Excuse me?!? Had we been given the more than double quote we never would’ve done business with Shelter.

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.

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.

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.

Horrible service. I was hit by a non insured driver. The adjuster was easy to get in touch with. The claims department never returned my calls or emails. This is going on 5 months. They don’t care about returning my deductible or customer service.

I have secured my business and cars with Shelter, at the beginning when I had my local agent it was super easy to request a COI but now that my agent no longer works with Shelter I have to call customer service. Calling Shelter's customer service to request a COI has been a total dislike and a frustration to me. I had to call three times to get a COI with the address and the correct name of my company, the three times they sent it incorrectly. I called for the fourth time and it turned out that they had already closed the office for that day, and I had to tell my client that was waiting for the COI that I would not have it ready for that day. Shelter, the person who attended me was totally incompetent. This made me think about looking for another company with better agents.

Today when I received a call back from my insurance and I under distress explained my insurance issue after seeing that double the payment was taken out of my bank account. Instead of trying to help and solve my dilemma. Jonathan ** told me to shut the ** up and that he was not renewing my policy. To make matters worse he hung up on me. I received some unpleasant text messages from him afterwards.

I've had great experiences both in person and over the phone. Local agent that cares about the community. Friendly and helpful employees. Offers multiple choices to work with my budget. Quick response time. Good knowledge of process and very thorough explanations.

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 when I need them. I love how cheap and easy it is. They were the cheapest by far. I have tried getting quotes from many other insurance companies but was either denied or I just could not afford what they wanted me to pay and I have a perfect driving record. I will stay with them forever.

Shelter Auto Insurance is okay - it's the local secretary who really takes care of the local client and tells ideas to save money, and who to call locally for problems.

This is the most arbitrary and least professional Insurance company ever. Seems like they go out of their way to lose your business. I own several rental houses. At first they take a policy then cancel it because “it looks like it has asbestos” from some picture they have. They don’t seem to bother to check! I will be taking all my business somewhere else. My agent is awesome but the company sucks!

They have insured my cars and pickups, home and horse trailers for 30+ years! Prompt service and always pleasant and helpful. They help cut premium costs when we asked. Also, I can call anytime with our agent's cell phone! On my way to the hospital to have a baby we hit a deer and the car was driveable but barely! I was in the hospital and they came to the house and picked up the car and took it in for repair for me! They follow up to make sure I am satisfied with whatever is going on! They were helpful and walked me through everything. They ended up paying for everything and going after the other insurance company for reimbursement so I didn't have to deal with the other company.

LOVE Josh **. Go to him for anything. As a clueless young woman who recently had to figure out many things on my own, Josh has made it as easy as anyone could. Josh as a person is a kind soul and very happy to help. He understands my busy working college student schedule and we text all the time! Whether is simple questions or something I have concerns about. He is a very helpful, funny, and happy to help kind of man. If I could have Josh deal with every aspect of my life it would be bliss. He remembers details and it kinda feels like you're talking to a friend when you're on the phone with him. I appreciate Josh and all the things he has helped me with.

I had been with Shelter for 5+ years, and always knew the service I had received was mediocre. I just figured not to hassle with looking elsewhere. After I had an accident that I was not at fault. My rates went up. Service got worst, and then I had a month I needed 5 more day to pay my insurance, they told me it would have to be prorated and I was fine with that and we agreed my insurance date had been changed. Until it was time to pay, they then proceeded to withdrawing money from my past due date, which cause a return payment, which caused the cancellation of my insurance because of their mistake. I called up their and said it would be more than double of my current insurance rate just to have it started back up. They claimed the price was, a return payment fee... of more than my current rate completely?? One of the biggest scams I have ever been a part of... I wouldn't recommend this company to anyone!

There was a time with my unemployment and they lowered my premium to accommodate my finances. Later on went back regular payment and coverage and added rental insurance... All for just under $50/mo.

My wife and I have been with Shelter since they were MFA. When we married we merged our accounts. I have often shopped around for alternate insurance companies (friends often tell me that Shelter has outrageous premiums - I have not found that to be true). I tell them that the primary reason that I carry insurance is to have a hassle free claim. In the past 30 years I have filed 3 claims. The first was for storm damage to my 15 year old roof and gutters. The estimator came out and bid the replacement of a 2 foot section of soffit (not the fault of Shelter). One quick phone call to my agent (not his job) and the situation was cleared up and I had a new roof and gutters installed within 48 hours (even waiving the deductible).

I was recently rear ended by someone that carries Shelter Insurance. The body shop is calling me saying I have to pay a percentage of the part because Shelter has a Betterment Clause. I was hit, I have to take time off of work, I am without my car and my car is now depreciated and I have to pay? What!!! My advice, don't get Shelter Insurance and don't go through Shelter if you are hit with someone that has it!

I live in Lexington, KY. My agent is Barry **. This is the worst mistake I have ever made in my life. He is very rude and disrespectful. He don't take responsibility for his mistakes. Gave this agent my bank information so that my payments could come out of my account every month. To find out he didn't add my bank account information so this could be debit out of my bank! So now I have to pay an extra $107 on top of my insurance which made it $278 and they changed my insurance payment date due to his mistake in error.

I just wanted to let y'all know Jamie ** and Brian ** have been such a pleasure to work with on my auto claim. They called me back quick and got things done fast. I would recommend Shelter to anyone. Thank you Jamie and Brian for the outstanding job you two have done.

The staff has always been helpful and proactive. They got involved to help resolve the claim. My agent is on top of things and makes suggestions as needed and that includes ways to lower costs if need be.

Our agent was right there with us. It was my son's 1st truck and a very bad wreck. Our agent made it a point to make sure our son knew these things happen, and his first concern was to ask if our son was okay. The truck got paid off quickly without a fight. Definitely a good company!! Very reasonable prices. Good rates and agents who truly care about you. They work hard to get you the best rates and work with you to make sure you get what you need.

I am writing a review about my experience with Shelter Insurance. I have had Shelter Insurance since I was 16. They are always there to help and I enjoy their 24/7 help when you call the 1-800 number. I would recommend Shelter Insurance to others.

I've been with shield of Shelter for over 10 years. They are very friendly and easy to work with and easy to reach when you need them. I was hit in a hit and run accident and they took care of everything and my rates did not increase. I'm extremely satisfied with their auto and home and life insurance policies.

Have only used it once after I hit a deer, but they were easy to work with and paid my claim quickly. My agent cares about my family and wants to make sure we are adequately covered. They also cover my home and two rental properties, and have many other financial products available.

They have always been good to work with. Excellent customer service. Always very helpful. Great bundle prices and offer discounts especially to those who are loyal customers. The agent we use is close to our home and responds in a timely manner to both phone calls and emails. We use them for home auto and insurance on our pop up camper.