Loya vs Shelter Insurance Car Insurance for 2023

Car insurance is a must-have for anyone who owns a car, but with so many options available, it can be hard to know which insurance company to choose. Two of the most popular car insurance companies are Loya car insurance and Shelter car insurance. In this review, we’ll take a closer look at these companies to help you decide which one is the best fit for your needs. We’ll compare the companies’ histories, products and services, discounts, and customer reviews to give you a comprehensive understanding of what each company has to offer.

History and Mission:

Loya Insurance was founded in 1974 and is based in El Paso, Texas. The company’s mission is to provide affordable car insurance to customers across the country. They pride themselves on their low down payments and monthly payments, which they believe makes car insurance more accessible to everyone.

Shelter Insurance was founded in 1946 and is headquartered in Columbia, Missouri. The company’s mission is to provide high-quality insurance products and services to customers in a friendly and professional manner. They have a strong focus on customer service and believe that their comprehensive claims process sets them apart from other insurance companies.

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Products and Services:

Both Loya and Shelter Insurance offer a wide range of car insurance products and services, including liability insurance, collision insurance, and comprehensive insurance. Loya also offers uninsured motorist coverage, personal injury protection, and roadside assistance. Shelter Insurance offers additional services such as rental car coverage and pet injury coverage.

The cost of insurance varies depending on a variety of factors, including the type of coverage, the make and model of the car, and the driver’s record. To get an accurate quote, you’ll need to provide information about your car and your driving history.

Loya offers insurance services in 12 states, including California, Texas, and Illinois. Shelter Insurance is available in 18 states, primarily in the Midwest and South.

Discounts Available for Customers:

Both companies offer a variety of discounts to help customers save money on their car insurance. Loya offers discounts for safe driving, multiple cars, and paying in full. They also offer a low mileage discount for drivers who don’t use their car frequently.

Shelter Insurance offers discounts for safe driving, multiple cars, and completing a defensive driving course. They also offer a discount for customers who have multiple policies with the company.

Customer Reviews:

Customer reviews of Loya and Shelter Insurance are mixed. Some customers praise the companies for their affordable prices and excellent customer service, while others criticize them for slow claims processing and poor communication.

One common complaint about Loya is that their claims process can be slow and frustrating. Customers have reported long wait times on hold and difficulty getting a response from the claims team.

Shelter Insurance has received praise for their comprehensive claims process and dedicated claims team. Customers appreciate the 24/7 claims reporting hotline and the fact that they can work with the same claims adjuster throughout the process.

FAQ:

Q: Can I get a quote online?

A: Yes, both Loya and Shelter Insurance offer online quote tools that allow you to get a quote quickly and easily.

Q: How can I qualify for discounts?

A: To qualify for discounts, you’ll need to meet certain criteria. For example, to qualify for Loya’s safe driving discount, you’ll need to have a clean driving record for a certain period of time.

Q: How long does it take to process a claim?

A: The length of time it takes to process a claim can vary depending on the complexity of the claim and the company’s claims process. Both Loya and Shelter Insurance strive to process claims as quickly as possible, but it’s important to note that the process may take longer for more complicated claims.

Q: What types of car insurance does each company offer? A: Both Loya and Shelter Insurance offer liability insurance, collision insurance, and comprehensive insurance. Loya also offers uninsured motorist coverage, personal injury protection, and roadside assistance. Shelter Insurance offers additional services such as rental car coverage and pet injury coverage.

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