Haulers Car Insurance Review & Ratings (2024)

What You Should Know About Haulers Insurance Company, Inc.

Welcome to our comprehensive guide on Haulers Car Insurance, where we delve into the essential aspects of this insurance provider. In this article, we cover everything you need to know about Haulers Car Insurance, including ratings, coverage options, discounts, and more. Whether you’re looking for personal or commercial auto insurance, we’ve got you covered.

• Haulers Insurance offers personal and commercial auto insurance
• Haulers Insurance has been rated an A+ by A.M. Best
• Haulers Insurance only sells products through independent agents

To ensure you find the best rates and coverage for your needs, we encourage you to enter your zip code and compare quotes from the top insurance providers in your area. Don’t miss out on the opportunity to secure the ideal insurance policy that suits your requirements.

What is the Haulers Insurance Company history?

The Haulers Insurance Company, Inc. started in 1986 as a regional property and casualty insurance company. Headquartered in Columbia, Tennessee, the company initially only served that state. However, it has grown to provide coverage in seven states.

In 2008, the Shelter Insurance Group acquired Haulers Insurance. The parent company was founded in 1946, providing a wide array of services, and has allowed Haulers Insurance to increase its reach.

How is Haulers Insurance rated?

Credit rating agencies regularly review and rate auto insurance companies on financial strength. The ratings indicate the likelihood that companies are able to provide a payout. The most trusted of these companies is A.M. Best, who has reviewed and rated Haulers.

Haulers Insurance has been rated an A by A.M. Best. This rating is considered excellent and indicates that Haulers will provide a payout whenever customers file a claim.

The Better Business Bureau (BBB) also rates companies based on their business practices and complaint history. The BBB has given Haulers Insurance an A+ rating, the highest possible. This rating shows that the company has transparency and few customer complaints.

How can you make Haulers Insurance payments?

Customers can complete Haulers Insurance bill pay through the quick pay portal on the company website. Your policy number is required to access the portal, allowing you to make online payments.

In most cases, the company processes payments the following business day. However, the company doesn’t process payments made on Saturday and Sunday until Tuesday. The Haulers Insurance website provides a complete payment processing schedule.

Haulers Insurance Company, Inc. Insurance Coverage Options

The Haulers car insurance company doesn’t provide specific information on the coverages that they provide. However, the website does mention that the company has both personal and commercial auto insurance plans for customers.

Choosing the right car insurance coverage is pivotal to safeguarding your vehicle and ensuring peace of mind on the road. Haulers Car Insurance, a subsidiary of the reputable Shelter Insurance Group, offers a range of comprehensive coverage options tailored to meet the diverse needs of drivers.

From personal auto insurance plans to specialized commercial coverage, Haulers aims to provide quality protection across seven states. Let’s explore the coverage options that Haulers Car Insurance has to offer.

• Liability Coverage: Covers bodily injury and property damage if you’re at fault in an accident.
• Collision Coverage: Pays for damage to your car in case of a collision, regardless of fault.
• Comprehensive Coverage: Covers non-collision incidents like theft, vandalism, or natural disasters.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re in an accident with a driver who has little or no insurance.
• Medical Payments Coverage: Covers medical expenses resulting from an accident, regardless of fault.
• Personal Injury Protection (PIP): Provides broader coverage for medical expenses and other costs after an accident.
• Rental Reimbursement: Covers the cost of a rental car while your vehicle is being repaired after a covered incident.
• Roadside Assistance: Provides services like towing, fuel delivery, and tire changes if your vehicle breaks down.

While Haulers’ coverage information is unavailable online, the company is a subsidiary of the Shelter Insurance Group, which provides information on their auto policies. Therefore, knowing the coverages offered by Shelter indicates policies offered by Haulers.

The best insurance companies provide basic auto insurance coverages. Some of these coverages ensure that drivers comply with their state’s minimum auto insurance requirements, and others offer more extensive protection.

The following chart shows the basic auto insurance coverages that you can expect from Haulers car insurance.

Commercial auto insurance is similar to personal auto insurance. However, the rates for a commercial auto insurance plan might differ due to the size and use of the vehicle. In addition to these policies, most companies offer options that can be added, like roadside assistance. These optional coverages will increase your Haulers car insurance quotes.

How can you obtain Haulers Insurance coverage?

Haulers only sells its products through local independent agents. Therefore, customers looking to buy Haulers car insurance must go through an agent. There are 700 agents in seven states, which include:

• Alabama
• Georgia
• Indiana
• Missouri
• South Carolina
• Tennessee
• Virginia

Customers looking for an agent can use the agent locator on the company website. If you prefer to speak with a representative, you can call the company at 1-800-346-6071.

Haulers Insurance Company, Inc. Insurance Rates Breakdown

Understanding the intricacies of insurance rates is fundamental when considering coverage for your vehicle. Haulers Car Insurance, a trusted entity under the Shelter Insurance Group, evaluates various factors to determine premiums that align with individual risk profiles.

Delving into these criteria sheds light on how rates are established and helps drivers make informed decisions about their coverage. Let’s explore the key determinants affecting insurance rates provided by Haulers Car Insurance.

• Driving Record: One of the most influential factors is the driver’s history of accidents, traffic violations, and claims. A clean record often leads to lower premiums, while accidents or violations may increase rates.
• Age and Experience: Younger, inexperienced drivers usually face higher rates due to statistical data suggesting a higher likelihood of accidents. Conversely, older drivers with extensive driving experience might receive lower premiums.
• Vehicle Type: The make, model, year, and safety features of the vehicle impact rates. Safer and less expensive cars might lead to lower premiums.
• Location: Urban areas with higher traffic congestion or a history of accidents might lead to increased rates compared to rural areas.
• Credit History: In some regions, credit score can influence rates, as a higher credit score might indicate a more responsible behavior, leading to lower premiums.
• Annual Mileage: The number of miles driven annually can impact rates, as more time on the road statistically increases the risk of accidents.
• Gender: Historically, insurance companies used to consider gender as a factor affecting rates, with young males often facing higher premiums due to higher accident rates. However, this practice has been changing in some regions.

From the impact of driving history and vehicle specifications to the geographical nuances affecting rates, Haulers ensures a comprehensive assessment to deliver competitive premiums.

To uncover how these criteria can influence your insurance rates and explore the coverage options available, reaching out to Haulers’ local independent agents can provide you with the guidance needed to secure the ideal coverage at favorable rates.

Haulers Insurance Company, Inc. Discounts Available

The best way to save on auto insurance is to compare quotes and combine auto insurance discounts. Many discounts are typical with auto insurance companies and depend on your vehicle, policy, and lifestyle.

Saving on insurance premiums is a priority for every driver. Haulers Car Insurance, a reputable provider operating under the Shelter Insurance Group, offers a range of potential discounts to help policyholders manage their insurance costs effectively.

• Safe Driver Discount: Reward for maintaining a clean driving record without accidents or traffic violations.
• Multi-Vehicle Discount: Reduced rates for insuring multiple vehicles under the same policy.
• Safety Features Discount: Savings for vehicles equipped with safety features like anti-theft devices, airbags, or anti-lock brakes.
• Good Student Discount: Offered to students maintaining high academic standards.
• Paid-in-Full Discount: Discount for paying the entire insurance premium upfront instead of monthly installments.
• Multi-Policy Discount: Savings for policyholders who bundle multiple insurance policies (e.g., auto and home insurance) with Haulers.
• Low Mileage Discount: Reduced rates for policyholders who drive fewer miles than average.
• Loyalty Discount: Incentives for long-term policyholders who renew their policies with Haulers.
• Occupational Discounts: Some professions or occupations may qualify for specific discounts.
• Affinity Group Discounts: Discounts for being a member of certain organizations or groups affiliated with Haulers.

Haulers Insurance doesn’t provide specific information on their available discounts. However, the parent company does provide information on savings. Looking at Shelter’s auto discounts and those available from most companies will give you an idea of what you can expect from Haulers.

Read more: Shelter Insurance Car Insurance Discounts

The following chart shows some of the discounts from Shelters and those commonly offered by auto insurance companies.

Combining as many discounts as possible will allow you to find the most affordable Haulers car insurance rates. When speaking with an agent, asking about available discounts will help you get a more accurate quote.

Gaining Insight Into Haulers Car Insurance Claims Procedure

Ease of Filing a Claim

Haulers Insurance offers multiple options for filing a claim, providing convenience to policyholders. Customers can initiate the claims process through a phone call to the Haulers Insurance claims phone number at 1-866-665-1003. While the website doesn’t explicitly mention online claim filing, it does have a customer login portal, suggesting the possibility of online claims submissions.

This flexibility allows policyholders to choose the method that suits them best, whether it’s over the phone or online.

Average Claim Processing Time

Haulers Insurance does not provide specific information regarding their average claim processing time on their website. The absence of such information may make it challenging for potential policyholders to gauge how quickly the company processes claims.

To ensure a seamless claims experience, it is recommended to reach out to Haulers Insurance directly or consult with a local independent agent for more detailed information on claim processing times.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts is a critical aspect of evaluating an insurance company’s performance. Haulers Insurance, however, does not share customer reviews or testimonials related to their claims process on their website.

To gain insights into the satisfaction levels of policyholders in this regard, individuals may need to rely on external sources or reach out to current Haulers Insurance customers for their experiences.

Haulers Car Insurance Tech-Forward Approach: Redefining Insurance Standards

Mobile App Features and Functionality

Haulers Insurance provides a mobile app that allows policyholders to access their insurance accounts and manage their policies on the go. Unfortunately, the website does not provide detailed information about the specific features and functionality of the mobile app.

To assess the app’s capabilities, users may need to download it and explore its features firsthand, or reach out to Haulers Insurance for a comprehensive overview.

Online Account Management Capabilities

With Haulers Insurance, policyholders have access to online account management tools, although the website does not elaborate on the extent of these capabilities. Policyholders can likely perform tasks such as viewing policy details, making payments, and possibly filing claims online.

For a comprehensive understanding of the online account management features, users are encouraged to log in to their accounts or contact Haulers Insurance for more information.

Digital Tools and Resources

While Haulers Insurance offers digital tools and resources, the website does not provide specific details about what these tools entail. Digital tools in the insurance industry often include calculators, educational resources, and information for policyholders. To fully utilize the available digital resources, policyholders can explore the company’s website or contact Haulers Insurance for additional information.

How Haulers Insurance Company, Inc. Ranks Among Providers

Haulers Car Insurance operates within a dynamic landscape where several key competitors vie for the attention of drivers seeking reliable coverage. Among these contenders are prominent names that offer a spectrum of insurance solutions catering to various customer needs. Understanding the competitive field surrounding Haulers Car Insurance sheds light on the diverse options available to drivers.

• State Farm: A leading insurance provider offering a wide range of coverage options for auto, home, and life insurance. State Farm is known for its extensive network of agents and customer-centric approach.
• Allstate: Another major player in the insurance industry known for its comprehensive coverage options and innovative tools like Drivewise that monitor driving habits for potential discounts.
• Progressive: Renowned for its competitive rates and user-friendly online tools, Progressive offers a variety of discounts and has a strong emphasis on technology-driven solutions.
• Geico: Recognized for its humorous advertising and competitive pricing, Geico is known for providing affordable auto insurance with a straightforward approach.
• Farmers Insurance: Farmers Insurance offers various insurance products, including auto, home, life, and business insurance. It emphasizes personalized service through its network of agents.
• Nationwide: Provides a range of insurance options including auto, home, and life insurance. Known for its highly rated customer service and bundling discounts.
• Liberty Mutual: Offers a broad spectrum of insurance products, focusing on personalized coverage options and innovative tools for policy management.

Navigating the realm of auto insurance involves considering the offerings and strengths of multiple competitors. From the comprehensive coverage of established industry leaders to the innovation-driven approaches of emerging players, the competitive landscape surrounding Haulers Car Insurance presents a myriad of choices for drivers.

Does Haulers Insurance have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow insurance customers to list complaints on their websites. The two trusted organizations have completed Haulers Insurance reviews.

At the time of this review, the BBB has received two complaints about Haulers Insurance during the past three years. One of these complaints is about the company’s service, and the other is about the company’s advertising. The NAIC lists Haulers’ complaint index ratio at 0. This number indicates that Haulers Insurance has far fewer complaints than the average competitor of a similar size.