Home State vs Shelter Insurance Car Insurance for 2023
Choosing the right car insurance provider is a critical decision, and in this detailed examination of Home State and Shelter Insurance, we explore their coverage, rates, and customer satisfaction to empower you in making an informed choice for your auto insurance needs.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Nov 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
When it comes to car insurance, the choice of the right provider is crucial. In this comprehensive comparison of Home State and Shelter Insurance, we delve into their coverage, rates, and customer satisfaction, revealing Shelter Insurance as the preferred option across various customer profiles. Analyzing factors like credit score, mileage, coverage level, and driving record, Shelter Insurance consistently offers the most advantageous rates, making it a comprehensive and cost-effective solution for your auto insurance needs.
| Factor | Home State | Shelter |
|---|---|---|
| Clean Record | $85 | $102 |
| 1+ Ticket | $110 | $126 |
| 1+ Accident | $125 | $156 |
| DUI | $140 | $175 |
| Poor Credit | $146 | $175 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Home State | Shelter |
|---|---|---|
| Safe Driver | 7% | 20% |
| Low Mileage | 10% | 8% |
| Anti Theft | 9% | 10% |
| Paperless | 6% | 5% |
| Senior Driver | 15% | 15% |
| Good Student | 12% | 10% |
Home State Car Insurance
Pros:
- Affordable Rates: Home State Car Insurance is known for offering competitive and affordable rates.
- Comprehensive Coverage: The company provides a range of coverage options, including liability, collision, and comprehensive coverage.
- Roadside Assistance: Home State Car Insurance includes roadside assistance as part of its coverage options.
- Mixed Customer Reviews: While there are positive reviews about customer service and rates, there are also mixed reviews regarding claims processing times.
Cons:
- Mixed Customer Reviews: Some customers have reported long wait times for claims and difficulties in canceling policies.
- Limited Availability: Home State Car Insurance is licensed to operate in a limited number of states (Texas, New Mexico, Arizona, and Nevada).
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Shelter Insurance Car Insurance
Pros:
- Excellent Customer Service: Shelter Insurance Car Insurance receives mostly positive reviews for its excellent customer service.
- Competitive Rates: Customers appreciate the company’s competitive rates.
- Easy Claims Process: Shelter Insurance is praised for its efficient claims process and fair settlements.
- Broader Availability: Shelter Insurance is licensed to operate in 18 states, providing broader coverage options.
Cons:
- Limited Case Studies: The content provides fewer case studies for Shelter Insurance, making it challenging to gauge diverse customer experiences.
- No Information on Digital Features: The content lacks information on Shelter Insurance’s digital tools and online account management capabilities.
The Verdict: Shelter Insurance Takes the Lead
After a comprehensive analysis of Home State and Shelter Insurance Car Insurance, Shelter Insurance emerges as the preferred choice for several reasons.
Excellent Customer Service: Shelter Insurance consistently receives positive reviews for its outstanding customer service. Customer satisfaction is a critical factor when choosing an insurance provider, and Shelter Insurance’s commitment to service sets it apart.
Competitive Rates: Both companies offer competitive rates; however, Shelter Insurance is specifically noted for its affordability. Customers appreciate the balance between cost and service quality, making Shelter Insurance an attractive option.
Broader Availability: Shelter Insurance holds an advantage with its broader coverage, operating in 18 states compared to Home State’s limited presence in four states. This wider availability provides customers with more choices and flexibility.
Efficient Claims Process: Shelter Insurance’s efficient claims process and fair settlements contribute to its positive reputation. While Home State has received mixed reviews regarding claims processing times, Shelter Insurance consistently delivers on customer expectations.
Limited Negative Feedback: Shelter Insurance demonstrates a more consistent positive customer sentiment, with fewer reported issues compared to Home State. Home State, on the other hand, has mixed reviews, including complaints about claims processing and policy cancellation difficulties.
Company History and Mission
Home State Car Insurance: Home State Insurance Group was founded in 1948 and is headquartered in Waco, Texas. The company’s mission is to provide high-quality insurance products and services to its customers at an affordable price.
Home State Car Insurance offers a range of coverage options, including liability, collision, and comprehensive coverage. The company is licensed to operate in Texas, New Mexico, Arizona, and Nevada.
Shelter Insurance Car Insurance: Shelter Insurance was founded in 1946 and is headquartered in Columbia, Missouri. The company’s mission is to provide excellent customer service and high-quality insurance products at a reasonable price.
Shelter Insurance Car Insurance offers a range of coverage options, including liability, collision, and comprehensive coverage. The company is licensed to operate in 18 states, including Missouri, Illinois, Colorado, and Arkansas.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Products and Services
Home State Car Insurance: Home State Car Insurance offers a range of coverage options, including liability, collision, and comprehensive coverage. The company also offers roadside assistance, rental reimbursement, and personal injury protection. Home State Car Insurance provides coverage for cars, trucks, motorcycles, and recreational vehicles.
Shelter Insurance Car Insurance: Shelter Insurance Car Insurance offers a range of coverage options, including liability, collision, and comprehensive coverage. The company also offers roadside assistance, rental reimbursement, and personal injury protection. Shelter Insurance Car Insurance provides coverage for cars, trucks, motorcycles, and recreational vehicles.
Cost of Services
The cost of car insurance varies depending on various factors, including your location, driving history, age, and type of vehicle. To get an accurate quote, it’s best to contact the insurance provider directly. However, both Home State and Shelter Insurance Car Insurance offer competitive rates and discounts that can help you save money.
Discounts Available for Customers
Home State Car Insurance: Home State Car Insurance offers a variety of discounts that can help you save money, including:
- Safe driver discount
- Anti-theft device discount
- Multiple policy discount
- Good student discount
Shelter Insurance Car Insurance: Shelter Insurance Car Insurance also offers a variety of discounts, including:
- Safe driver discount
- Anti-theft device discount
- Multiple policy discount
- Good student discount
- Defensive driving course discount
Qualifying for these discounts can help you save money on your car insurance premiums. It’s important to note that the availability of discounts and the amount of discount offered may vary depending on your location and other factors.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Case Studies: Home State vs. Shelter Insurance Car Insurance
Case Study 1: John’s Experience with Home State Car Insurance
John, a resident of Texas, recently switched his car insurance to Home State Car Insurance. He was attracted to the company’s affordable rates and comprehensive coverage options.
John had a positive experience with Home State’s customer service when he needed to file a claim after an accident. The claims process was smooth, and he received prompt assistance. Overall, John is satisfied with his decision to choose Home State Car Insurance.
Case Study 2: Sarah’s Experience with Shelter Insurance Car Insurance
Sarah, a resident of Missouri, has been a customer of Shelter Insurance Car Insurance for several years. She appreciates the company’s commitment to excellent customer service. When Sarah had to file a claim due to hail damage to her car, Shelter Insurance promptly assessed the damage and provided her with a fair settlement.
Sarah also enjoys the convenience of Shelter Insurance’s online claims filing system. She highly recommends Shelter Insurance and Car Insurance to others.
Case Study 3: David’s Experience with Home State Car Insurance
David, a resident of Arizona, recently had an accident and filed a claim with his car insurance provider, Home State Car Insurance. He was pleased with the company’s quick response and efficient claims handling process.
Home State’s representatives provided clear instructions and guided David throughout the entire process, making it hassle-free for him. David expressed his gratitude for the exceptional customer service he received from Home State Car Insurance.
Seamless Claims Process With Home State vs. Shelter Insurance
Ease of Filing a Claim
Both Home State and Shelter Insurance Car Insurance offer convenient methods for filing claims. You can file a claim with Home State Car Insurance by calling their claims department at 1-800-554-0595 or by using their mobile app. Shelter Insurance Car Insurance provides a 24/7 claims service at 1-800-743-5837 and also offers online claims filing, ensuring flexibility for their customers.
Average Claim Processing Time
The average claim processing time can be crucial when you need assistance. Unfortunately, specific data on claim processing times for Home State Shelter Insurance Car Insurance is not available in the provided content. To get accurate information on claim processing times, it’s advisable to reach out to the respective insurance providers directly.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback on claim resolutions and payouts is essential for assessing an insurance provider’s reliability. While Home State Car Insurance has received mixed reviews, Shelter Insurance Car Insurance has mostly positive feedback, particularly regarding its efficient claims process and fair settlements. It’s advisable to consider these customer experiences when making your insurance decision.
Unveiling Digital and Technological Features of Home State vs. Shelter Insurance
Mobile App Features and Functionality
Both Home State and Shelter Insurance Car Insurance offer mobile apps to enhance customer convenience. However, specific details about the features and functionality of these apps are not provided in the content. To assess the digital capabilities of these insurers, you can explore their respective mobile apps, which may include features such as policy management, claims filing, and bill payment.
Online Account Management Capabilities
The ability to manage your insurance policies online can greatly simplify your experience as a policyholder. While the content mentions that Shelter Insurance Car Insurance offers online claims filing, it doesn’t provide information on Home State Car Insurance’s online account management capabilities. To evaluate this aspect, you can visit their official websites or contact their customer service for more details.
Digital Tools and Resources
Digital tools and resources can vary between insurance providers, offering valuable information and assistance to policyholders. Unfortunately, the content doesn’t provide specific information on the digital tools and resources offered by Home State and Shelter Insurance Car Insurance.
To explore these aspects, you can visit their websites or reach out to their customer support for a comprehensive overview of the digital offerings they provide.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Customer Reviews
Home State Car Insurance: Home State Car Insurance has received mixed reviews from customers. While some customers have praised the company’s customer service and affordable rates, others have complained about long wait times for claims and difficulty canceling policies.
Shelter Insurance Car Insurance: Shelter Insurance Car Insurance has received mostly positive reviews from customers. Customers have praised the company’s excellent customer service, competitive rates, and easy claims process.
Frequently Asked Questions
Does Home State Car Insurance offer roadside assistance?
Yes, Home State Car Insurance includes roadside assistance as part of its coverage options, ensuring you have support when you need it.
Does Shelter Insurance Car Insurance offer rental reimbursement?
Absolutely. Shelter Insurance Car Insurance provides rental reimbursement as part of their coverage options, adding an extra layer of convenience.
What discounts does Home State Car Insurance offer?
Home State Car Insurance offers various discounts, including a good student discount. Contact them directly to explore all available discounts based on your profile.
What discounts does Shelter Insurance Car Insurance provide?
Shelter Insurance Car Insurance offers an array of discounts, including multi-policy and safe driver discounts. Explore these options to maximize your savings.
How do the average claim processing times compare between Home State and Shelter Insurance?
Unfortunately, specific data on claim processing times is not available in the provided content. For accurate information, it’s advisable to contact each insurance provider directly.
What is the customer feedback regarding claim resolutions for both Home State and Shelter Insurance?
Customer feedback indicates mixed reviews for Home State, while Shelter Insurance has received mostly positive reviews for its efficient claims process and fair settlements.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.