Selective Insurance Car Insurance

4.0 1 reviews
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Discounts

The largest discounts from Selective Insurance are: Home Owner Discount, Defensive Driver Discount, Good Student Discount

Discount Type Discount %
Home Owner Discount Varies
Defensive Driver Discount Varies
Good Student Discount Varies
Youth Driving Discount Varies
Anti-lock Brake Discount Varies
Anti-Theft Device Discount Varies

Payment Methods

  • Complete Tick Online Payment
  • Complete Tick Mail Payment
  • Complete Tick Phone Payment -IVR
  • Complete Tick Credit Card Payment
  • Complete Tick Automatic Online Payments
  • Complete Tick Multi-payment Installment Plans

Features and Services

Selective has been offering its customer exceptional service for over 90 years. Their independent insurance agents are available to help you file a claim over the phone, online, through the Selective Mobile App, or at one of Selective’s claims offices. 

Selective’s website and mobile app allows customers to manage their accounts easily. Policyholders can make and track claims, make payments, and find an auto body shop. 

Selective offers accident forgiveness to their auto insurance customers which will keep your premiums rates from increasing after you’ve had an at-fault accident.

They also offer a diminishing deductible which will apply credit to your policy’s deductible for every year you are claim free for a maximum of a $500 credit. 

Selective has partnered with Safelite for your windshield and glass repair needs. You can make a claim to Safelite from Selective’s website.

  • Online account management Online account management
  • Mobile app Mobile app
  • Accident forgiveness Accident forgiveness
  • Diminishing deductible Diminishing deductible
  • Roadside assistance Roadside assistance
  • Flexible / convenient payments Flexible / convenient payments

Optional Coverage

  • Complete Tick New Car Replacement Coverage
  • Complete Tick Road Side Assistance
  • Complete Tick Pet Coverage
  • Complete Tick Electronic Key & Lock Replacement
  • Complete Tick Accident Forgiveness

Selective Insurance Insurance Products

Selective provides standard car insurance protection such as liability, property damage, comprehensive, and collision coverages. They also offer a handful of optional coverages to add further protection to your policy.

Available coverages and discounts may vary by state, but will most likely include:

  • Summit and The Selective Edge® Bundled Coverages: Covers roadside assistance  towing and labor, key replacement, pet coverage and more.

  • Newer Car Replacement: An optional coverage; will cover cash value for a car 1 model year newer with 15,000 fewer miles than your totaled vehicle.

Selective Choice Replacement Cost: Will replace your totaled vehicle with the latest model year and the choice of coverage for 2, 4, or 6 years.

Selective provides standard home insurance protection to cover the physical structure of your home. They also offer a handful of optional coverages including theft coverage for your jewelry, coverage for lock replacement, refrigerated property, water back up, lost credit cards, identity theft.

Available coverages and discounts may vary by state, but will most likely include:

  • Guaranteed Replacement Cost: Will cover rebuilding costs of your home if it’s destroyed.

  • Large Loss Deductible Waiver: Your deductible will be waived if you experience a large loss.

  • Water Back-up: Covers water damages from backed up water sump pumps.

  • Theft/Mysterious Disappearance of Jewelry, Watches and Furs: Protect your expensive property if it gets stolen or is missing.

  • Non-Building Structures: Cover replacement and repair costs of structures detached from your home, like fences, walkways, or walls.

Selective provides flood building and contents coverage for both home and business properties. Selective Insurance also offers excess flood insurance that will provide more protection than their standard policies.

Available coverages and discounts may vary by state, but will most likely include:

  • Residential Flood Insurance: Covers physical damage to your home and personal property directly caused by a flood. Building aspects of your property covered by flood insurance include:

    • The insured building and its foundation

    • The electrical and plumbing systems

    • Central air-conditioning equipment, furnaces, and water heaters

    • Refrigerators, cooking stoves, and built-in appliances such as dishwashers

    • Permanently installed carpeting over an unfinished floor

    • Permanently installed paneling, wallboard, bookcases, and cabinets

    • Window blinds

    • Debris Removal

Personal property covered under flood insurance include:

    • Personal belongings such as clothing, furniture, and electronic equipment

    • Curtains

    • Portable and window air conditioners

    • Portable microwave ovens and portable dishwashers

    • Carpets not included in building coverage

    • Clothes washers and dryers

    • Food freezers and the food in them

    • Certain valuable items such as original artwork and furs (up to $2,500)

  • Commercial Flood Insurance: Covers physical damage to your building and personal property directly caused by a flood. Building aspects of your property covered by flood insurance include:

    • Insured building and its foundation

    • Electrical and plumbing systems

    • Water heaters

    • Central air conditioning equipment, furnaces, and ventilating equipment

    • Permanently installed carpeting over an unfinished floor

    • Permanently installed paneling, wallboard, bookcases, and cabinets

    • Pumps and machinery for operating pumps

    • Awnings and canopies

    • Walk-in freezers

    • Outdoor antennas and aerials attached to buildings

    • Fire extinguishing apparatus and fire sprinkler systems



Personal property covered under flood insurance include:

    • Furniture and fixtures, machinery and equipment, and other personal property owned by you and used in your business

    • Stock such as merchandise held in storage or for sale, raw materials, and in-process or finished goods

    • Portable and window air conditioners

    • Portable microwave ovens and portable dishwashers

    • Carpets or rugs not included in building coverage

    • Clothes washers and dryers

    • Food freezers (other than walk-ins) and the food in any freezer

    • Certain valuable items such as original artwork and furs (Limited to $2,500 in total)

    • Non-licensed self-propelled vehicles if stored inside the insured building and used to service the described location (e.g., tractor) or designed to assist a person with a disability

Selective condo and townhouse insurance provides standard protection like property damage and personal liability coverage. Selective also offers a variety of optional protections that will covers things such as jewelry, lock replacement, credit cards, identity theft and much more.

Available coverages and discounts may vary by state, but will most likely include:

  • Guaranteed Replacement Cost: Will cover rebuilding costs of your home if it’s destroyed.

  • Large Loss Deductible Waiver: Your deductible will be waived if you experience a large loss.

  • Water Back-up: Covers water damages from backed up water sump pumps.

  • Theft/Mysterious Disappearance of Jewelry, Watches and Furs: Protect your expensive property if it gets stolen or is missing.

Non-Building Structures: Cover replacement and repair costs of structures detached from your home, like fences, walkways, or walls.

Selective personal umbrella insurance provides extra liability coverage beyond your auto or home insurance coverage limits. Selective umbrella covers you worldwide against personal liability losses, defense costs, loss of earnings, and more.

Available coverages and discounts may vary by state, but will most likely include:

  • Uninsured/underinsured auto insurance coverage up to $1 million

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Company History

Selective Insurance was founded in Branchville, New Jersey in 1926 and provides car, home, renters/condominiums, flood, umbrella, and business insurance. 

Selective Insurance is a regional property and casualty insurance provider with personal insurance operations in Illinois, Indiana, Iowa, Maryland, Minnesota, New Jersey, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Virginia, and Wisconsin. 

Selective Insurance is committed to offering its customers with reliable, high-tech insurance services through their 2,000 independent insurance agents; so you can trust that you’re getting local, unbiased insurance advice. 

They currently have $1.9 billion in net premiums written and are continuing to expand throughout the U.S.

 

Selective Insurance Reviews

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4 Stars
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Most Helpful Review
By Mark
January 3, 2018

Coverage cost too much

Most Critical Review
By Mark
January 3, 2018

Coverage cost too much