How is the customer service and claims handling at Shelter Insurance Company? How good is Shelter‘s auto insurance & homeowners insurance? This blog entry helps you answer these important questions and decide if Shelter Insurance Company is best for you!
Update 4/27/2013: I have posted the latest Shelter complaint statistics for 2011, 2010, & 2009 (2012 will be available Aug 2013) which you can see here.
Auto insurance & home insurance customers do not have a lot of objective information available to them to evaluate how well their insurance company will provide customer service & handle claims.
Unfortunately, paying more for auto & home insurance does not mean better service or a fair claims settlement, so the price you pay is not an indication of whether you will have a problem with your insurance and feel ripped off.
There are plenty of individual stories on the Internet of problems with claims or service for every insurance company. But reading a lot of complaints on the Internet does not inform you if the majority of customers are happy with the insurance company, since they don’t write about it on the Internet.
Even a website full of complaint stories are anecdotal and not statistically significant. You need to look at large numbers to really spot a trend in poor service.
This is why my website shows complaint ratios based on an insurance company’s market share, so you can easily compare insurance companies for customer service & claims.
However, number scores may not be simple and easy for people to interpret, even though I explain them on my website.
So, I am doing a series of blog posts giving letter grades based on the complaint ratios, to make it as easy as possible to find the best auto & home insurance companies and avoid the worst insurance companies.
Here are my letter grades:
Note: After a few years of reviewing complaint statistics, I’ve changed my rating system to a better than average, average, and worse than average rating scale, which I think is more useful & fair in assessing an insurance company’s complaint record. A small difference in the number of complaints can make an “A” company go to a “C” company from year to year, so I think my old rating system is not helpful for understanding a positive or negative trend in complaints for a company. Please click here to see my new 2011, 2010, 2009 (2012 coming in Aug 2013) Shelter complaint ratings.
A+ = Insurance companies with complaints 25% or less than the average insurance company.
A = Insurance companies with complaints 50% or less than the average insurance company.
It is widely available as ‘Pfizer cialis without prescriptions mastercard‘ at any authorised medical store. Symptoms of Fibromyalgia: Widespread muscle and skeletal pain, which diffuse tender points Chronic fatigue greyandgrey.com order cheap viagra Headaches Sleep disturbances Memory loss Cognitive delays Reduced ability to complete activities of daily living Possible causes of Fibromyalgia: Altered brain anatomy resulting in abnormal volumes of gray matter Mitochondrial dysfunction Increased oxidative stress Chronic infection Abnormal immune functioning Increased systemic inflammation Fibromyalgia treatments are difficult to implement for a number of reasons, usually due to. Kamagra soft performs faster and a small dose of levitra sale on a regular nightly basis works as a preventive measure to keep impotency at bay. Where to get the Impotence treatment? If you want any information regarding male enhancement then you tadalafil online can certainly read the articles, views and opinions of people present over the internet. B = Insurance companies with complaints 90% or less than the average insurance company.
C = Insurance companies with complaints from 90% to 110% of the average insurance company.
D = Insurance companies with complaints from 110% to 200% of the average insurance company.
F = Insurance companies with complaints over 200% of the average insurance company. Over twice as much as average!
Consider these grades, along with price and other factors (as listed on my website), when choosing an auto insurance company.
Shelter Insurance has several subsidiary homeowners insurance and auto insurance companies. Make sure you know the correct name of the Shelter Insurance subsidiary company quoting or insuring you, to check the proper complaint grade.
Shelter Insurance Company’s 2010 Complaint Ratings for Auto Insurance
Update 4/27/2013: I have posted the latest Shelter complaint ratings for 2011, 2010, & 2009 (2012 will be available Aug 2013) which you can see here.
Haulers Insurance Company, Inc. = A
Shelter General Insurance Company = B
Shelter Mutual Insurance Company = B
Shelter Insurance Company’s Complaint Ratings for Homeowners Insurance
Haulers Insurance Company, Inc. = A+
Shelter Mutual Insurance Company = B+
Now you know the complaint ratings for Shelter Insurance subsidiary companies. The next step is to get price quotes. By shopping your auto insurance or homeowners insurance with ALL the leading insurance companies, you can get a great price AND great customer service & claims handling. Use my website to find all the leading insurance companies, evaluate their customer service, and find the best price for you.
Do you have any experience with Shelter Insurance Company? Tell me about it. Comment on my facebook page. Email me at help@smartshopyourcarinsurance.com if you have questions and would like my help. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.