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Gainsco vs. Shelter Insurance
Which insurance company is right for you? Compare premiums, insights, and quotes from Gainsco and Shelter.
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- GAINSCO Auto Insurance vs Shelter
Gainsco vs. Shelter: What You Need to Know
Established in 1978 as a Texas corporation, Gainsco is a property and casualty insurance holding company, concentrating their efforts on the non-standard personal automobile market, specializing in minimum-limits personal auto insurance. They do offer full and standard coverage as well but specialize in minimum liability coverage. The company is based in Dallas, with a regional office in Miami and its operations are conducted through MGA Insurance Company Inc., a Texas corporation. Gainsco sponsors a racing team, the GAINSCO/Bob Stallings Racing team, which won the Grand-AM Rolex Sports Car Series twice with the No. 99 GAINSCO “Red Dragon” Daytona Prototype. Gainsco sells insurance through independent partner agents in the District of Columbia and 44 states that include Arizona, Florida, Georgia, New Mexico, Oklahoma, South Carolina, Texas, and Virginia. All customer service needs can be met in English or Spanish.
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.
Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit GAINSCO Auto Insurance Overview and Shelter Overview.
GAINSCO Auto Insurance vs. Shelter: How much are the Average Rates?
GAINSCO Auto Insurance vs. Shelter: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that GAINSCO Auto Insurance and Shelter typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | GAINSCO Auto Insurance | Shelter |
|---|---|---|
| 1 Vehicle | $ | $210.62 |
GAINSCO Auto Insurance vs. Shelter: Rates by Homeownership
What is Gainsco and Shelter Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Gainsco and Shelter ranked among the industry ratings.
| Comparison | Gainsco | Shelter |
|---|---|---|
| Year Founded | 1978 | 1946 |
| A.M. Best Rating | B+ | A |
| BBB Rating | A+ | A+ |
| Financial Strength | Above Average | Excellent |
| NAIC Complaint Ratio | 2.34 | 0.36 (2013) |
Gainsco or Shelter: Insurance Products Offered
What coverage is available through Gainsco and Shelter? Both insurance companies offer Auto insurance. Additional products from Shelter insurance also includes Commercial, Condo, Farm, Home, Life, Motorcycle, Renters, RV, and Umbrella insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit GAINSCO Auto Insurance and Shelter Insurance page.
| Insurance | Gainsco | Shelter |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | |
| Condo Insurance | ✔ | |
| Farm Insurance | ✔ | |
| Home Insurance | ✔ | |
| Life Insurance | ✔ | |
| Motorcycle Insurance | ✔ | |
| Renters Insurance | ✔ | |
| RV Insurance | ✔ | |
| Umbrella Insurance | ✔ |
Gainsco or Shelter: Ways To Save
Gainsco offers a wide range of discounts to its policyholders, including Agency Internal Transfer, Auto-Pay, and Homeowner discounts. Whereas, Shelter also offers a few discounts that Gainsco 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 Shelter and Gainsco insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Gainsco | Shelter |
|---|---|
| Advance Purchase Discount | Accident Prevention Course Discount |
| Agency Internal Transfer Discount | Anti-Theft Discount - Kentucky and Illinois Residents |
| Auto-Pay Discount | Companion Life Discount |
| Homeowner Discount | Companion Policy Discount |
| Length of Ownership (Loyalty Discount) | Driver Training Course Discount |
| Multi-car Discount | Good Student Discount |
| Pay-in-Full Discount | Military Discount |
| Prior Coverage Discount | Multi-car Discount |
| Prior GAINSCO Coverage Discount | Multi-coverage Discount - Nevada Residents |
| Renewal Discount | Passive Restraint Discount |
| Pay in Full Discount | |
| Safe Driver Discount | |
| Window Identification System Discount – Louisiana Residents |
Pros & Cons of Gainsco & Shelter
Pros
Gainsco
- Flexible insurance policies
- Easily customizable policies
- Affordable rates and transparent pricing.
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.
Cons
Gainsco
- High customer-complaint ratio
- The website doesn’t accept electronic payments.
Shelter
- The company covers only 15 states. If you don’t live in the Midwest, you’ll need to look for another carrier.
Gainsco or Shelter Mobile Apps Options
The Gainsco mobile app is available for iOS and Android. This mobile app offers some benefits and services including requesting a quote, making a payment, reporting a claim, requesting an agent, contacting the insurer, and getting the latest Gainsco news.
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.
| Gainsco Mobile App | ||
|---|---|---|
| iOS | 2.6 | 8 user reviews |
| Android | 2.9 | 8 user reviews |
| Shelter Mobile App | ||
|---|---|---|
| iOS | 2.3 | 35 user reviews |
| Android | 2.3 | 240 user reviews |
Gainsco & Shelter Contact Info
| Gainsco Contact Info | |
|---|---|
| Address | 3333 Lee Parkway, Dallas, TX 75219 |
| Phone | 1-866-424-6726 |
| Website | https://www.gainsco.com/ |
| https://www.facebook.com/GAINSCOInsurance/ | |
| https://twitter.com/GAINSCOAgency | |
| Youtube | https://www.youtube.com/channel/UCuoo1lEvzyJ7seCjj3NmerA |
| https://www.linkedin.com/company/gainsco/ | |
| 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 |
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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