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Shelter vs. Cincinnati Insurance
Which insurance company is right for you? Compare products, premiums, and quotes from Shelter and Cincinnati.
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Shelter vs. Cincinnati: What You Need to Know
Shelter Insurance company is a mutual insurance company that focuses on auto, property, business and life insurance. In, when the company was founded and called MFA Mutual Insurance Company. Its focus was to provide farmers access to reliable insurance protection at prices that they could afford.
With an A+ rating from the BBB and A.M Best, Cincinnati Insurance Company has been serving its customers since 1950. The Cincinnati Insurance company was founded in 1950 by four independent agents, two of whom were brothers, John Jack Schiff and Robert Cleveland Schiff. The company operates in 13 states through nearly 1,000 selected independent agencies.
Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Shelter Overview and Cincinnati Insurance Overview.
Shelter vs. Cincinnati Insurance: How much are the Average Rates?
Shelter vs. Cincinnati Insurance: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Shelter and Cincinnati Insurance typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Shelter | Cincinnati Insurance |
|---|---|---|
| 1 Vehicle | $231.71 | $195.60 |
Shelter vs. Cincinnati Insurance: Rates by Homeownership
What is Shelter and Cincinnati Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Shelter and Cincinnati ranked among the industry ratings.
| Comparison | Shelter | Cincinnati |
|---|---|---|
| Year Founded | 1946 | 1950 |
| A.M. Best Rating | A | A+ |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | Excellent |
| Moody's Rating | A1 | |
| NAIC Complaint Index | 0.22 | |
| NAIC Complaint Ratio | 0.36 (2013) | |
| S&P Rating | A+ |
Shelter or Cincinnati: Insurance Products Offered
What coverage is available through Shelter and Cincinnati? Both insurance companies offer Auto, Home, Life, and Umbrella insurance. Additional products from Shelter insurance also includes Commercial, Condo, Farm, Motorcycle, Renters, and RV insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Shelter and Cincinnati Insurance Insurance page.
| Insurance | Shelter | Cincinnati |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | |
| Condo Insurance | ✔ | |
| Farm Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | ✔ |
| Motorcycle Insurance | ✔ | |
| Renters Insurance | ✔ | |
| RV Insurance | ✔ | |
| Umbrella Insurance | ✔ | ✔ |
Shelter or Cincinnati: Ways To Save
Cincinnati offers a wide range of discounts to its policyholders, including Good Student, Healthy Living (Life Insurance), and High Deductible discounts. In contrast, Shelter also offers a few discounts that Cincinnati doesn’t, including Window Identification System – Louisiana Residents, Safe Driver, and Pay in Full discounts. Start taking advantage of discounts offered by insurance providers like Cincinnati and Shelter insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Shelter | Cincinnati |
|---|---|
| Accident Prevention Course Discount | Good Claim History Discount |
| Anti-Theft Discount - Kentucky and Illinois Residents | Good Student Discount |
| Companion Life Discount | Healthy Living Discount (Life Insurance) |
| Companion Policy Discount | High Deductible Discount |
| Driver Training Course Discount | Multi-car Policy Discount |
| Good Student Discount | Multi-policy Discount |
| Military Discount | New Home Discount |
| Multi-car Discount | Safety Equipment Discount (Auto, Home, Business) |
| Multi-coverage Discount - Nevada Residents | Safety Features Discount |
| Passive Restraint Discount | |
| Pay in Full Discount | |
| Safe Driver Discount | |
| Window Identification System Discount – Louisiana Residents |
Pros & Cons of Shelter & Cincinnati
Pros
Shelter
- Shelter Insurance offers personalized service through a network of more than 1,400 agents.
- The company has a few customer's complaints, which indicates high satisfaction.
- You can start your claims online or by phone.
Cincinnati
- Cincinnati Insurance Company is dedicated to superior customer service.
- Cincinnati has the highest ratings for financial strength.
- For antique or collector car owners whose cars are less than 25 years old, Cincinnati Insurance is the best of very few options out there.
Cons
Shelter
- The company covers only 15 states. If you don’t live in the Midwest, you’ll need to look for another carrier.
Cincinnati
- Cincinnati Insurance Company only operates in 13 states.
Shelter or Cincinnati Mobile Apps Options
The Shelter Insurance Mobile app is available for iOS and Android. With the app, you can access your ID cards, report a claim and upload photos, view coverages and policy details, obtain roadside assistance, get in touch with your agent and pay your bill by credit or debit card.
The Cincinnati Insurance Mobile app is available for android and iPhones and iPads. This insurance tool is where you can manage payments, view auto policy information, download ID cards, submit glass claims, request roadside services and more.
| Shelter Mobile App | ||
|---|---|---|
| iOS | 2.3 | 35 user reviews |
| Android | 2.3 | 240 user reviews |
| Cincinnati Mobile App | ||
|---|---|---|
| iOS | 4.6 | 5 user reviews |
| Android | 3.1 | 11 user reviews |
Shelter & Cincinnati Contact Info
| Shelter Contact Info | |
|---|---|
| Address | 1817 West Broadway - Columbia, MO 65218 |
| Phone | 1-800-743-5837 |
| Website | https://www.shelterinsurance.com/ |
| https://www.facebook.com/ShelterInsurance/ | |
| https://twitter.com/Shelter_ins/ | |
| https://www.linkedin.com/company/shelter-insurance-companies/ | |
| Youtube | https://www.youtube.com/user/ShelterIns |
| https://www.instagram.com/shelter_ins/ | |
| https://www.pinterest.com/shelterins/ | |
| Vimeo | https://vimeo.com/user48805731 |
| Cincinnati Contact Info | |
|---|---|
| Address | 600 S. Gilmore Road, Fairfield, OH 45014-5141 |
| Phone | (888) 242-8811 |
| Website | https://www.cinfin.com/ |
| https://www.facebook.com/CincinnatiInsurance/ | |
| Youtube | https://www.youtube.com/channel/UCrqm2BGqGoKndbr6D8oRlcg |
| https://www.linkedin.com/company/the-cincinnati-insurance-companies/ | |
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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