A Selective Insurance Company of America auto insurance review leads to Selective Insurance, a company based in New York that sells business insurance and personal insurance.
Established in 1926 as part of a general store, Selective has grown from $20,000 in assets in 1926 to $1.25 billion in 2010. It has offices located throughout the United States.
Because of the accomplishments of Selective Insurance within the insurance industry, it was recently named in Fortune Magazine as #993 among the top 1000 insurance companies in the nation.
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Selective Insurance Traditional Personal Insurance Products
Selective Insurance has a wide range of insurance products for individuals who want to protect their assets.
Auto, home, apartment, renters, condo, rental property, umbrella, and flood insurance are all available in the personal line of insurance products from Selective Insurance. Each policy is customized to meet the needs of the individual by a highly trained agent.
Auto insurance from Selective Insurance meets the requirements of the laws in the state that you live.
There are also several car insurance discounts offered by Selective Insurance, including multiple policy discounts, defensive driving course credit, good grade discounts for students, and paying your bill on time discounts.
Selective Insurance also offers homeowners insurance and renter’s insurance. All of these policies are written specifically for the individual once the needs of that individual are assessed.
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Selective Insurance Additional Personal Insurance Products
Some people do not understand the purpose of umbrella insurance. Umbrella insurance does what its name implies: it exceeds or covers all other types of insurance should something major happen.
Umbrella insurance covers the gap and exceeds the limits of other types of coverage.
Umbrella insurance is designed specifically for legal situations.
If something happens on your property, in a vehicle you own, or on a recreational vehicle that you own that results in death or severe injury, a lawsuit may be filed against you.
Many people do not know that flood insurance is not part of a traditional homeowners insurance policy. Flood insurance is a separate policy that needs to be added on to a homeowners policy.
Selective Insurance Business Insurance Products
Selective Insurance offers insurance products for businesses, but they do not cover all types of businesses.
They write policies for:
- Auto care
- Civic organizations
- Fire departments
- Golf courses
- Private schools
- Professional offices
- Religious organizations
Selective Insurance has agents who specialize in business accounts only. This way, they can obtain the training and skills needed to advise businesses concerning the insurance coverage they do and do not need.
It is very important for agents to understand the ins and outs of the particular business for which they are writing a policy.
Selective Insurance also offers safety management classes and training for its business clients. This is a loss prevention method that saves both the insurance company and the business money in the long run. The more claims that can be prevented, the lower the rates for the business.
If you are looking for personal auto insurance coverage, enter your zip code in the free box below to compare auto insurance rates from several different companies.