Haulers Car Insurance Review & Ratings (2024)

Discover the advantages of Haulers car insurance and explore the coverage options that suit your needs. This comprehensive review provides insights into Haulers' ratings, including customer satisfaction, claims handling, costs, and billing. As a subsidiary of Shelter Insurance Group, Haulers offers personal and commercial auto insurance plans.

UPDATED: Nov 28, 2023Fact Checked

Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Licensed Insurance Agent & Agency Owner

Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

UPDATED: Nov 28, 2023

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Nov 28, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Nov 28, 2023Fact Checked
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Haulers Car Insurance

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A (Excellent)

Complaint level:

Low

Pros

  • Strong financial rating (A.M. Best Rating: A+)
  • Diverse coverage options for both personal and commercial auto insurance
  • Affiliation with Shelter Insurance Group, providing stability and experience in the industry

Cons

  • Limited availability in only seven states
  • Lack of detailed online information about coverage options and discounts
  • The necessity to purchase insurance through local independent agents, limiting direct online purchases

Final Verdict: Review of Haulers Car Insurance

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.

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.

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.

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.

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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.

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.

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.

Frequently Asked Questions

What types of insurance does Haulers offer?

Haulers Insurance offers personal and commercial auto insurance plans to customers in seven states. They do not provide specific information on the coverages they offer, but their policies are similar to those offered by Shelter Insurance, their parent company.

What discounts are available from Haulers Insurance?

Haulers Insurance does not provide specific information on their available discounts. However, the parent company, Shelter Insurance, does offer discounts, and customers can expect common discounts offered by other auto insurance companies.

How is Haulers Insurance rated by credit rating agencies?

Haulers Insurance has been rated an A by A.M. Best, which is considered excellent and indicates that Haulers will provide a payout whenever customers file a claim. The Better Business Bureau (BBB) has also given Haulers Insurance an A+ rating, which shows that the company has transparency and few customer complaints.

Can I purchase Haulers Insurance directly from the company?

No, the only way to purchase coverage from Haulers Insurance is through independent agents.

Where does Haulers Insurance sell car insurance?

Haulers Insurance sells car insurance to customers in seven states, including Indiana, Iowa, Missouri, Ohio, Tennessee, Virginia, and Wisconsin.

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Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Licensed Insurance Agent & Agency Owner

Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Reviews
for Haulers Insurance Company, Inc.

3.49 (17 reviews)
4
March 29, 2019

whitnictrent

Good Company. Good Coverage.

Only having this insurance company for a little over a year, we have had no issues. Thankfully we have not needed to use the insurance but our coverage is better than what we had with our previous insurance company. Our premium is a little bit higher than it was with our previous insurance company, but with better coverage I guess that is to be expected.
5
January 9, 2019

natalie74

affordable

I've been very happy with this company due to the affordable rates. Most companies I had called wanted 400-500$ for 6 months of liability. This company has me covered for about 250.
3
April 18, 2018

PP71

HICI

Best I could fine for one vehicle policy; no homeowners, or renters, etc. For drivers with NO violations, NO claims, and HIGH credit score.
5
March 7, 2018

craftygram1

Pleased

I have been very pleased with the service from this company They have great service, personable representatives
4
February 7, 2018

mmichaud2

Haulers

Good experience with this company. Good response to claims. Not experienced any problems. National company with local agent. Low price. However, not good for new young (teen) drivers.
5
December 10, 2017

logansolds13

Great rates, great customer service, loyal

These folks are awesome! My rate has went up over the years, despite no accidents or tickets, but it has not been much. I would happily recommend this company to anyone.
4.5
July 25, 2017

realj24333

great

great fast customer service,towing ect.the best quotes..Towing insurance is the best they are quickk
4
July 21, 2017

Alax

No problems here

I've had no problems with them. They've responded to my claims in a timely manner with out any issues.
2
July 12, 2017

Shermaninmo

Angie

They are cheep but don't want to pay out if you have an accident they don't want to pay what they should. Also they are very rude.
5
July 10, 2017

BrandiR

Great company

Great company and a very friendly and knowledge younger agent. My agency I use is Clark's Insurance Center of Talladega in Talladega, al. 35160! And again it's a great company with great rates with great limits! 
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