Is Shelter Auto Insurance Legit: Navigate the credibility of Shelter Auto Insurance.
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:
- Liability: Covers medical and property damage costs resulting from an at-fault accident.
- Collision: Covers repair or replacement costs if your car collides with someone or something.
- Comprehensive: Covers repair or replacement costs for incidental damage (weather-related, theft, vandalism, etc.).
- Medical Payments: Covers medical costs for you and your passengers when injured in an accident.
- Uninsured/Underinsured Motorist: Covers costs when struck by an insufficiently insured driver.
- Rental Reimbursement: Covers renting costs when your car is being repaired or replaced due to a covered loss.
- Emergency Road Service: Covers towing, jump-starting, tire changing, lockout service, and fuel delivery in case of a breakdown.
- Accidental Death: Provides death benefits in the event of a fatal accident.
- 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:
- Manage your policy effortlessly through your phone or computer, eliminating the need for an agent or broker.
- Save money by pausing coverage during periods of non-use, paying only for the days your car is in operation.
- Access personalized service and advice from over 1,300 local agents.
- Enjoy discounts for good driving, academic performance, customer loyalty, safe vehicle ownership, and more.
Cons:
- Shelter Auto Insurance is currently available in only 15 states, with plans for expansion.
- The company does not provide other types of insurance, such as home, renters, or life insurance.
- Online claims filing is not available; claims must be filed by calling or visiting an agent.
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Welcome to insuranceblob.com! I’m Clyde, a seasoned insurance enthusiast and content specialist with a passion for demystifying the world of insurance. With years of experience navigating the complexities of insurance policies and providers, I’ve gained valuable insights into the nuances of the industry. As a dedicated contributor to insuranceblob.com, I strive to provide clear, concise, and informative content on all things insurance-related. From breaking down policy jargon to comparing coverage options, I aim to empower readers to make informed decisions about their insurance needs. Join me as we unravel the intricacies of insurance together on insuranceblob.com!
Interests: Insurance, Policy Analysis, Insurance Providers, Content Creation