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Selective Insurance Company of America Auto Insurance Review

  • 11111
Address: 26 Century Hill Drive, Suite 202
City: Latham
State: New York
ZIP: 12110
Phone Number: 518-785-5340
AM Best Rating: A+
Market Cap: $1 Billion to $1.25 Billion
Year Founded: 1926
Things to Remember...
  • Selective Insurance Company of America was established in 1926
  • Based in New York, they offer business and personal insurance products
  • Auto insurance from Selective Insurance meets the requirements of the laws of your individual state

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.

If you are looking for personal auto insurance coverage, enter your zip code in the free box above to compare auto insurance quotes from top companies, now!

Selective Insurance Traditional Personal Insurance ProductsAdobeStock_86689418-1600x1600

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 ProductsAdobeStock_78819447-1600x1600

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
  • Contractors
  • Golf courses
  • Hotels
  • Manufacturers
  • Municipalities
  • Private schools
  • Professional offices
  • Religious organizations

These types of organizations can choose from business owner’s policies, general liability, identity recovery policies, inland marine policies, property, surety, umbrella, and workers compensation.

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.

Reviews for Selective Insurance Company of America Auto Insurance

    • 11111

    My experience with selective auto insurance was absolutely terrible.

    A neighbor, who had Selective as his car insurance provider, forgot to put his car in park, and it rolled and smashed into my PARKED (in a private parking lot no less!) ’99 Cav. Luckily my neighbor reported the incident and a police report was filed. Even with all of this information and the person at fault stepping forward, I was forced to pay for my own car rental.

    Not only that but Selective changed their minds THREE times about whether or not they were going to have the damages repaired or total the vehicle. In addition to that, the claims adjuster they used found parts for my car that were not even available in the area I live in! I didn’t have my car for THREE weeks.

    I found out later that the insurance company called the auto shop EVERY day until it was fixed, telling them that if it was going to cost too much they were going to total it.

    I would not ever wish this experience on anyone and would never recommend this company. If they are currently your insurer, please run!

    • 11111
    Donald Leipertz says:

    Hit by a ” Selective Policy Holder ” Week has passed. Selective doesn’t call or answer calls. They assigned a Claim # on first call and said they would contact me in 24 hours.

    That was 5 days ago. Now they say claim in review process ??? What’s going on ???

    • 11111

    My car was hit by somebody who carried his insurance. They are some of the rudest people I’ve ever talked to.

    My car is in the shop and they made a mistake and were reluctant to fix the problem. I talked to one agent and was hung up on. The next person I talked to was even worse. I will admit, I have a loud voice, but I was not being rude in any way. Instead of saying he would take of it, they said what was going on is not a big deal.

    Not having a car is a big deal when you’re a full-time student and work a part-time job. After I said “Thanks for the help” (not sarcastically), he responded by saying “You are so not welcome”. Dealing with rude people is not the end of the world, but I would recommend they take some sort of class on politeness. Absolutely ridiculous!

    I have no idea how the company hasn’t gone under yet. No wonder the average rating is one star. If you ever get hit by someone who carries this insurance I am truly sorry that you have to deal with them.

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