Last Updated: 04/18/2025
Selective Auto Insurance
Unaffiliated
in Car Insurance from Selective Insurance
Last Updated: 04/18/2025
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Financial Strength Rating
A(Verified 04/18/2025)
Selective Auto Insurance Review
Selective Insurance is a car insurance carrier based in Branchville, NJ. The insurance company was founded in 1926 and offers car insurance in 13 states in the USA.
If you're considering whether Selective auto insurance is a good option for you, read on.
Selective auto insurance Pros & Cons
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Selective auto insurance FAQ
What types of car insurance coverage options does Selective auto insurance offer?
Although we often talk about car insurance in the singular, it really includes several types of coverage options.
Selective auto insurance customers can also add the following riders or endorsements to their insurance policies:
- Accident Forgiveness: Selective Insurance offers accident forgiveness, which excuses your first accident. This means no insurance rate increase, even if it's your fault.
- Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.
- Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
Does Selective auto insurance have roadside assistance?
Emergency Roadside Service available. Yes, Selective Insurance offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.Does Selective auto insurance offer ridesharing insurance?
No, Selective auto insurance does not offer ridesharing coverage as a rider or endorsement.What benefits does Selective auto insurance offer?
Selective auto insurance offers the following benefits to its customers:
- 24/7 Phone Availability: Customer service is staffed around the clock.
- Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
- Digital Claims Reporting: Never fax or mail a document again.
- Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.
What insurance discounts does Selective auto insurance offer?
When you ask for an insurance quote with Selective auto insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.- Anti-Lock Brake System: ABS technology reduces uncontrolled skids and insurance premiums. Most cars have them but it's an insurance discount people often forget to ask for.
- Daytime Running Lights: This is an insurance discount you may not have heard of but it is becoming more commonplace. Daytime running lights make you more visible and to drivers and pedestrians, which reduces accidents.
- Internal Safety Features: Selective auto insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an inurance discount.
Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with Selective auto insurance.
How does Selective Insurance calculate insurance rates?
Car insurance companies guard their risk-assessment algorithms as a trade secret, and Selective Insurance is no exception. However, you can be confident that Selective auto insurance will take into consideration your driving record, age, gender, marital status, and address.
Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.
Does Selective auto insurance use your credit score?
It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.
- If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
- There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.
How can I get a Selective auto insurance insurance quote
- Visit the Selective Insurance website.
- Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
- Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Selective auto insurance
Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
Closed