Selective Car Insurance Review: Is It Worth the Hype?

Have a Closer Look at the Selective Car Insurance!

### Key points:

* Selective Auto Insurance is available in 15 states.
* There are multiple discounts and other benefits to enjoy, thanks to their mobile app.
* Before you purchase coverage, be aware of some crucial information about Selective Car Insurance.

### Hot Take:

If you live within one of the 15 states where Selective originates, then their auto insurance policies could be the ticket to a stress-free driving experience. But if a hands-off, digital application process is what you fancy, you might want to look elsewhere.

Selective Auto Insurance: Here’s What You Should Know

Now, let’s dive deeper into each of these points.

Selective Auto Insurance is a unique and robust platform that’s leveraging a network of agents to offer you all sorts of fabulous discounts. Managed through a carefully constructed well-reviewed mobile app, it allows you to file a claim, view your coverage cards, and even make payments. You don’t often find an insurance provider that wraps up all these services neatly in an app. However, keep in mind that it’s only available in 15 states for now.

Beyond the Basics: Additional Benefits

Like most car insurance companies, it does offer liability, comprehensive, and collision insurance. Over and above that, it introduces a range of optional (yet handy) benefits into the mix:

* Accident Forgiveness – Oops, you had an at-fault accident? Not a problem! They’ll waive any premium increases from one accident.
* Diminishing Deductible – Enjoy a $100 credit on your deductible automatically, plus an additional credit every year you don’t submit a claim!
* Newer Car Replacement – If your car is a total loss, this benefit ensures you replace it with one that is a year newer with 15,000 fewer miles.
* Coverage Areas – Unfortunately, though, it only services 15 states (for now). If you’re a resident of any other state, you’ll need to find an alternative insurance company to meet your needs.

What’s the Catch?

Their online policy information is a bit limited, making it somewhat challenging to compare coverage limits, benefits, or deductibles to other companies. Also, they don’t provide online quotes, meaning you’ll need to contact an insurance agent directly to get the information you need. This may not be convenient for, say, the busy businessman on the run or the millennial who hates phone calls.

Discounts, Discounts, Discounts!

Selective car insurance could get your motor running if you live in the 15 states it services and if you’re on board with their discount programs. Selective offers a host of discounts that might appeal to your savvy side. For instance, if you’re already a policyholder for their home, condo, or renter insurance, you may enjoy a multi-policy discount.

Are You Fit for Selective?

If the shoe fits, wear it. And the Selective car insurance policy might be a perfect fit for you, especially if you live in the right state and enjoy discount programs. But be warned: if you prefer a more digital experience that requires less communication, you might not find Selective to your liking.

Quoting a Quote from Selective

To get a quote from Selective, you’ll have to put in a bit of legwork since they don’t offer online quotes nor coverage purchases through their website. You’ll need to go old-school and reach out to a local independent insurance agent directly. Your premium will depend on several factors, including your age, gender, location, driving record, and the value of your vehicle. So it might be worth giving it a shot!

Not Totally Sold on Selective? Check These Out!

If you’re not located within Selective’s coverage area or you’re looking for potentially lower auto insurance premiums, consider some alternatives:

* Geico – They offer a range of insurance products and services nationwide. It’s one of the most well-known insurance brands and could be worth checking out.
* Progressive – With the Snapshot tool, your good driving habits might earn you discounts.

And so, there you have it — the breakdown of Selective Car Insurance. Even though it might not be perfect for everyone, it certainly has its strong points, especially for those in their 15-state coverage area.

Wrapping Up

In conclusion, Selective car insurance offers a robust system of benefits and discounts tightly wrapped within a well-reviewed mobile app. These personalised features make it an appealing option for residents of the 15 states they currently service. Their service does lean heavily on direct contact with their insurance agents, so bear that in mind. But most importantly, they may offer a bit of peace in a world that can sometimes feel like you’re driving in reverse. Drive safely!

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