Haulers Car Insurance Review & Ratings (2023)

The Haulers Insurance Company provides car insurance to customers in seven states. The company doesn’t show Haulers car insurance rates online but offers personal and commercial car insurance coverage. However, the company has been rated well by the Better Business Bureau and A.M. Best. Learning more about Haulers Insurance will help you determine if it’s the right fit.

UPDATED: Jun 28, 2022Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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Company Details
Address: 1101 New Highway 7
City: Columbia
State: Tennessee
ZIP Code: 38401
Phone Number: 931-388-3156
Year Founded: 1986
AM Best Rating: A
Company Rating 0 (0 reviews)

The Rundown

  • 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

Haulers Insurance sells car insurance to customers in seven states. The company doesn’t provide much information online but sells personal and commercial auto coverage. Additionally, the only way to purchase coverage is through independent agents.

Learning more about Haulers Insurance will help you decide if it’s the right fit for you.

Before jumping into this Haulers Insurance review, enter your ZIP code to find free auto insurance rates in your area.

What coverages are available from Haulers Insurance?

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.

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.

Haulers Insurance Auto Coverages

Auto Insurance TypesPurpose of Coverage
Bodily injury liabilityPays for medical bills if someone else suffers an injury in an accident caused by you.
Property damage liabilityLiability coverage that covers the cost of any property damage you’ve caused in an accident.
CollisionCovers damage to your car after an accident.
ComprehensiveCovers damage to your car when you’re not driving.
Personal injury protectionCovers medical expenses for you and your passengers after an accident.
Uninsured/underinsured motoristCovers the costs if you’re in an accident caused by a driver will little or no car insurance.
Medical paymentsCovers medical costs caused by an accident regardless of who is at fault.
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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.

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What discounts are available from Haulers Insurance?

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.

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.

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

Haulers Insurance Auto Discounts

Auto DiscountDiscount Eligibility
Accident prevention courseCompleted approved defensive driving course.
Anti-theftCars include anti-theft devices, like alarms, tracking systems, and kill switches.
Good studentHigh school or college students with at least a 3.0 grade point average.
MilitaryActive military personnel and veterans.
Multi-car policyInsure more than one car on a single auto insurance policy.
Paid in fullPolicy is paid in one payment.
Passive restraintHaving safety devices in your vehicle.
Safe driverDisplay safe driving habits, like having passengers wear seat belts, low driving speeds, and less aggressive driving.
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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.

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.

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.

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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.

How can you file Haulers Insurance claims?

Customers looking to file a claim can call the Haulers Insurance claims phone number at 1-866-665-1003. Unfortunately, similar to other aspects of the company, Haulers Insurance doesn’t provide much information on the claims process, including whether or not the claims department is available 24/7.

The website also doesn’t indicate whether customers can file claims online. However, a customer login portal allows customers to access their accounts. Therefore, customers might be able to file claims once they log into the website.

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.

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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.

Haulers Insurance: The Bottom Line

Haulers Insurance provides car insurance coverage to customers in seven states. The Tennessee-based company doesn’t offer much information but offers personal and commercial auto insurance policies.

Learning more about Haulers Insurance will help you determine if the company is right for you.

Now that you know about Haulers Insurance, enter your ZIP code to get free auto insurance quotes in your area.

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