Home / FAQs / Save Thousands on Your Selective Car Insurance

Save Thousands on Your Selective Car Insurance

Nicholas Hinrichsen - Published: April 15, 2021

You can lower your monthly premium on your Selective car insurance and save $1,230 every year / $103 every month through getting a free quote in 2 minutes. You are a great candidate for lowering your insurance premium if (a) you haven’t changed your insurance carrier in the last 12 months and/or (b) if you improved your credit and/or (c) if you paid off your car loan.

Instead of continuing to pay your Selective policy why not get a free quote from other auto insurance companies now and save thousands in minutes without any changes to your insurance coverage.

Manage My Selective Insurance


Our goal is to help you build financial strength by comparing car insurance companies. We wrote in-depth car insurance reviews so you can compare the different carriers, lower your monthly payments and get the lowest insurance rate possible. If you’re looking for ways to manage your Selective insurance, you must be trying to achieve one of the following things:

Manage Insurance / Auto Policy

Go to 'Login' provide Username or Email and Passphrase and you’ll be able to edit, update or change your insurance settings.

File or Manage a Claim

When trying to file or manage a claim, you can select one of four options. File an auto claim, property claim, roadside assistance claim or auto glass claim. On this page, you can also find COVID-19 related questions and answers as well as general FAQs.

Explore Rideshare Coverage

If you want to use your car for ridesharing, your standard Selective auto insurance won’t apply. Through a Selective ridesharing GAP coverage policy, you can insure yourself while transporting passengers or transporting goods for delivery.

Selective insurance offers a number of different methods to manage your insurance policy or pull up your id card via a mobile app:

If you just want to stay in touch with Selective and know what’s going on, connect with Selective in one of the following engaging ways:

Cancelling your Selective Insurance Policy

You can cancel your Selective insurance policy via the iPhone / Android app, the website or over the phone through customer service at (866) 455-9969. The whole process will take no longer than 3 minutes.

You might also explain that you're leaving because you're getting lower auto insurance quotes elsewhere. Often, insurance carriers are willing to negotiate when they know they'll lose you otherwise.

Background on Selective


Headquartered in Allentown, PA, Selective Insurance provides a wide range of insurance products for businesses and individuals across 27 states. Selective works together with its independent agency partners to create and deliver business and personal insurance solutions that best fit customers’ needs.

Selective Insurance Products


Selective has a variety of insurance products meant for the benefit of its members/customers and policyholders. These primarily span across the following categories:

Automobile Insurance: These policies are meant to cover both liability and property damage for owned vehicles. The policies vary widely with regard and you need to pick whatever suits your needs best, e.g. number of miles you drive, whether or not you want collision coverage and comprehensive coverage, whether or not you want rental reimbursement and whether or not you want coverage for underinsured or uninsured motorists. We’ll go into more details and how to obtain car insurance quotes below.

Home and Property Insurance: These policies are meant to cover both liability and property damage for a residents primary dwelling. This includes both renters insurance and homeowners insurance/home insurance, condo insurance as well as coverage for personal property or rental properties including but not limited to boat insurance, personal property insurance, valuable personal property, umbrella insurance etc.

Business Insurance: Business insurances include but are not limited to general liability insurance, commercial auto insurance, commercial property insurance, business owner's policy, professional liability insurance (aka errors and omissions), worker's compensation insurance, inland marine insurance, key person life insurance, home-based business insurance and business interruption insurance.

Other Insurance: Under other insurance, we often find umbrella policies to widen your protection above and beyond your primary coverage as well as flood insurance.

Insurance Contact Selective


Should you need to contact Selective’s customer service team (be it for to file insurance claims or for general customer service related questions), you have three options to proceed:

  • You can call Selective toll-free at (866) 455-9969
  • You can email Selective by using the email form at the bottom of the Contact US page at https://www.selective.com
  • You can send Selective a letter to Selective, 40 Wantage Ave, Branchville NJ 07890, United States

A Selective representative will get back to you within 24 - 48 hours.

Selective Ratings, Reviews and Complaints


Selective has a number of ratings and reviews. The most reliable resources to an independent and unbiased description from customers and employees can be found on the following four pages:


We find that consumers should take these reviews and complaints with a grain of salt. Usually, primarily upset customers feel the necessity of going through the effort of leaving a written review. We therefore recommend looking for patterns within Selective’s customer reviews more so than interpreting individual reviews too deeply.

Have you had a negative or positive experience worth sharing? If so, we encourage you to document your Selective experience on one of the above pages. Other prospective customers and Selective employees will thank you for the transparency and generous use of your time.

Insurance Costs, Quotes and Discounts from Selective


Getting a Quote: To get a quote, you can apply directly through Selective here. Filling out a quote requires having a Selective login and then answering a few basic questions about you, the members in your household, your vehicles, and your driving record. You can receive a quote either online, on the phone, or through a local branch.

Selective Auto Insurance Costs: Selective proposes to save members/customers an average of $719 when compared to other insurance providers. When independently compared to other insurers (e.g. via US News) Selective saved the average member $264 compared to the next best national insurer (Geico). Depending on your driving record, the table below is a great reflection of what costs to expect on average.

6 Month Average Premium Monthly Average Premium
Average Price $598 $50
Driver w/ At-fault Accident $719 $60
Driver w/ Good Credit (670+) $612 $51
Driver w/ Bad Credit (<580) $1,136 $95
Driver w/ Speeding Ticket $614 $51

Insurance Discounts Available: There are several discounts Selective offers drivers for the auto insurance policy:

  • A current homeowners, condominium or renters policy with Selective
  • Quoted your business 8 days in advance of your renewal (Advanced Quote discount)
  • A commercial vehicle in the household
  • Completed an approved defensive driver course
  • Young drivers who have completed approved driver training and/or maintain good grades
  • A vehicle(s) with specific qualifying safety or anti-theft features
  • Consistently paid your insurance bill on time

Selective Bundling Discounts: Selective proclaims to offer a discount to members who bundle home and auto insurance policies. To qualify the auto policy must be in place prior to the home policy. It should be noted that some other national insurance companies (such as Allstate) offer discounts of up to . Yet when independently reviewed, Selective still often had the lowest cost for bundled home and auto policies.

Other Insurance Brands Related to Selective


Selective has grown into a huge financial services conglomerate. Brands related to Selective include but are not limited to the following:

Selective Insurance Company of America (“SICA”)

  • Selective Insurance Company of New England (“SICNE”)
  • Selective Insurance Company of New York (“SICNY”)
  • Selective Insurance Company of South Carolina (“SICSC”)
  • Selective Insurance Company of the Southeast (“SICSE”)
  • Selective Way Insurance Company
  • Selective Auto Insurance Company of New Jersey
  • Mesa Underwriters Specialty Insurance Company
  • Selective Casualty Insurance Company (“SCIC”)
  • Selective Fire and Casualty Insurance Company (“SFCIC”)

Questions People also ask about Selective


Our goal has been to provide you with a wide range of content so you can learn more about Selective without having to browse through different websites. While talking to our insurance customers, we frequently heard and answered the following question about Selective:

Who Qualifies for and Should Get Selective Car Insurance?


Selective membership is to the public. The following list summarize who can join Selective auto insurance:

  • Unless you live outside of one of the states where Selective Insurance offers coverage, we have not seen any restrictions.

The obvious next question is, who should get Selective car insurance? If you are looking a ton of optionality in your coverage and want to bundle your home and auto Selective Insurance is worth exploring. For residents in the 27 states where they offer coverage you should get a quote and reviews to determine if Selective Insurance is for you.

Is Selective good insurance?


Overall, Selective is a top insurance carrier. Selective's customer base is known for being very loyal to the brand and taking advantage of the wide range of Selective's products and services. Selective is a premium product with premium service. If you’re trying to get the best deal on insurance possible, Selective is probably not your best choice.

Is Selective Flexible With Payments?


The answer is short and sweet: yes, Selective offers flexible payment plans. Life can happen and especially during the COVID-19 pandemic, a lot of Americans face competing financial obligations. Selective’s flexible payment plans can be tailored to your personal salary or pay-schedule so you never miss a payment.

Selective’s standard payment plans are the Six-Month Policy and the 12-Month Policy. On both of these policies, you can choose to either pay 100% of the premium upfront against a discount or pay your premium in monthly installments.

Does Selective Offer Accident Forgiveness?


Selective will not raise your premium after an at-fault accident if you have been accident free for five consecutive years. Selective’s accident forgiveness program is rather generous. Sadly, Selective does not offer its accident forgiveness program nation-wide. The following states are excluded from the program, likely for regulatory reasons: California, Connecticut, Delaware, New York and North Carolina.

Other insurance carriers raise your premium significantly when you are involved in an accident caused by negligence. Other insurance carriers are even worse: they won’t accept you as a customer if you don’t have a completely clean accident history.

Compare to other insurance carriers


To make it easy for you, we reviewed a number of carriers in the same format. We find it very hard to compare insurance companies apples-to-apples. Therefore, take a look at our reviews:


Saved money on Selective done! Now save on your loan!

undefined

Haven't explored refinancing yet? Take a look at our exhaustive article about all the auto refinance companies and you will realize,
WithClutch.com is the only fully digital platform that lets car owners like you do so from the comfort of their own home. No need to set a foot in a bank or credit union. You can lower your rate or get cash in as little as 20 seconds.

Follow three simple steps to refinance your auto loan, get approved in seconds and save thousands in minutes.

Consumer Solutions

Commercial Solutions

Developer Tools

Address

WithClutch Inc

830 Avenue Balboa

Half Moon Bay, CA 94019

Contact

Legal

© 2020 WithClutch. All rights reserved.