Is Shelter Auto Insurance Legit: Outline, Contacts, Services, Coverage, Claims, Policy, Customer Reviews, Pros & Cons

Is Shelter Auto Insurance Legit: Navigate the credibility of Shelter Auto Insurance.

An image illustration of Shelter Auto Insurance
Shelter Auto Insurance: The best among the rest.

Shelter Auto Insurance extends its car insurance services to drivers in 15 states across the Midwest and the Southern U.S.

But is it genuinely trustworthy?

This blog post delves into the history, products, services, merits, drawbacks, and other facets of Shelter Auto Insurance to assist you in determining if it aligns with your needs.

Company Overview

Established in 1946 by seven forward-thinking farmers, Shelter Auto Insurance emerged as MFA Mutual Insurance Company.

Originating from a desire to create a mutual insurance entity, the founders aimed to offer cost-effective and dependable coverage for vehicles and properties.

Evolving over time, the company expanded its offerings to include life, health, and business insurance.

Headquartered in Columbia, Missouri, Shelter Auto Insurance operates as part of the Shelter Insurance Companies, alongside Shelter Life Insurance Company, Shelter Reinsurance Company, and Shelter General Insurance Company.

At the helm are Matt Moore, serving as the President and CEO, and Rick Means, as the Executive Vice President and COO.

Contact Information

Here are essential details about Shelter Auto Insurance:

  • Phone Number: (800) 743-5837
  • Address: 1817 West Broadway, Columbia, MO 65218
  • Customer Service Contact: service@shelterinsurance.com
  • Policy Details: Manageable on the Shelter website or app
  • Email Address: info@shelterinsurance.com
  • Fax Number: (573) 214-4595
  • Operating Hours: Monday-Friday, 7 am-10 pm CST; Saturday, 8 am-6 pm CST

Services & Products

Shelter Auto Insurance offers car insurance with user-friendly control through the Shelter website or app.

From obtaining a quote to adjusting policies, filing claims, requesting roadside assistance, and even pausing coverage—all are easily accessible at the tap of a button.

The innovative Shelter Pause feature allows you to suspend coverage when your car is not in use, potentially saving up to 40%.

This unique feature permits you to pay only for the days you are actively driving.

The pause and resume process are swift, taking as little as 15 seconds.

Coverage

Coverage options for your car include:

  1. Liability: Covers medical and property damage costs resulting from an at-fault accident.
  2. Collision: Covers repair or replacement costs if your car collides with someone or something.
  3. Comprehensive: Covers repair or replacement costs for incidental damage (weather-related, theft, vandalism, etc.).
  4. Medical Payments: Covers medical costs for you and your passengers when injured in an accident.
  5. Uninsured/Underinsured Motorist: Covers costs when struck by an insufficiently insured driver.
  6. Rental Reimbursement: Covers renting costs when your car is being repaired or replaced due to a covered loss.
  7. Emergency Road Service: Covers towing, jump-starting, tire changing, lockout service, and fuel delivery in case of a breakdown.
  8. Accidental Death: Provides death benefits in the event of a fatal accident.
  9. Gap Insurance: Covers the gap between your car loan or lease and the car’s worth when totaled.

Pros and Cons of Shelter Auto Insurance

Consider the following advantages and disadvantages before choosing Shelter Auto Insurance:

Pros:

  1. Manage your policy effortlessly through your phone or computer, eliminating the need for an agent or broker.
  2. Save money by pausing coverage during periods of non-use, paying only for the days your car is in operation.
  3. Access personalized service and advice from over 1,300 local agents.
  4. Enjoy discounts for good driving, academic performance, customer loyalty, safe vehicle ownership, and more.

Cons:

  1. Shelter Auto Insurance is currently available in only 15 states, with plans for expansion.
  2. The company does not provide other types of insurance, such as home, renters, or life insurance.
  3. Online claims filing is not available; claims must be filed by calling or visiting an agent.

Filing a Claim with Shelter Auto Insurance

Should you need to file a claim with Shelter Auto Insurance, you have two options:

  1. Phone: Reach out to the Shelter Claims Team at (800) 743-5837 to provide the necessary information for filing a claim over the phone. Alternatively, you can contact your local agent for assistance.
  2. App: Utilize the Shelter app, navigate to the “Claims” tab, and click “File a claim.” Follow the instructions to submit your claim online.

For a successful claim submission, you’ll need to furnish details about the accident, including the date, time, location, and a comprehensive account of what transpired.

Additionally, you’ll be required to provide contact and insurance information for other involved parties, if applicable.

Supporting documentation, such as photos or videos of the damage to your vehicle and the accident scene, may also be requested.

Once your claim is submitted, Shelter Auto Insurance will review it and subsequently contact you with the next steps.

You can conveniently track the status of your claim on the Shelter website or app.

Policy Procedures

To secure a policy with Shelter Auto Insurance, follow these steps:

  1. Visit the Shelter website or app and create an account.
  2. Enter essential information about yourself and your vehicle, including name, address, date of birth, driver’s license number, vehicle identification number (VIN), and mileage.
  3. Choose coverage options and limits that align with your specific needs and budget.

Upon completing these steps, Shelter Auto Insurance will provide you with a quote and request confirmation of your chosen payment method.

Payments can be made using a credit card, debit card, or bank account, and you have the flexibility to opt for monthly or annual payments.

Upon payment completion, you will receive your policy documents and proof of insurance on the Shelter website or app.

These documents are accessible at any time on the platform, and you can also request them to be emailed to you.

Modifying or canceling your policy can be done at your convenience through the Shelter website or app, and no fees or penalties apply.

Furthermore, you have the flexibility to pause and resume your coverage as frequently as needed based on your driving habits.

Customer Reviews

Shelter Auto Insurance boasts predominantly positive reviews from satisfied customers who value its flexibility, convenience, and reliability.

Testimonials can be found on the Shelter website or app, and independent reviews are available on platforms like Consumer Affairs or Consumer Insurance Report.

FAQs

Q: How does Shelter Pause work?

A: Shelter Pause is a feature enabling you to suspend coverage when your car is not in use.

Accessed via the Shelter website or app by tapping the “Pause” button, this feature maintains liability coverage while temporarily excluding collision or comprehensive coverage.

You will also receive a refund for the days your vehicle remains unused, applied to your subsequent payment.

To resume coverage, simply tap the “Resume” button on the website or app.

Spread the love