Selective Insurance Company of America: Customer Ratings & Reviews [2024]

In this comprehensive exploration of Selective Insurance Company of America, we delve into its customer ratings, reviews, and coverage options to provide valuable insights into how the company delivers peace of mind and confidence in protecting businesses with its insurance solutions.

UPDATED: Jan 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 26, 2024Fact Checked

Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

Licensed Insurance Agent

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications.  As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...

Licensed Insurance Agent

UPDATED: Jan 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jan 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 26, 2024Fact Checked
4.2
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Selective Insurance Company of America

Average monthly rate for good drivers:

$100

A.M. Best rating:

A+

Complaint level:

Low

Pros

  • Comprehensive coverage options for auto, home, business, liability, and property insurance
  • Competitive pricing with discounts for eligible customers
  • Wide coverage area in multiple states across the United States
  • Positive customer reviews for reliable coverage and exceptional customer service
  • Established history and strong mission to provide reliable insurance solutions

Cons

  • Limited information available on specific discounts and eligibility criteria
  • No information provided on online policy management or digital tools
  • Limited information on additional coverage options or customization for policies
  • Limited availability of customer reviews and ratings on third-party platforms
  • May not be suitable for customers seeking specialized or niche insurance products

Final Verdict: Review of Selective Insurance Company of America

Selective Insurance Company of America is a highly reputable insurance provider with a solid A.M. Best Rating and a low complaint level. With a wide range of insurance products and services, including auto, home, business, liability, and property insurance, Selective Insurance offers competitive pricing and discounts for eligible customers.

While there may be limited information available on discounts, online policy management, and additional coverage options, the company has a strong history, mission, and positive customer reviews.

Are you looking for a trusted insurance provider that offers comprehensive coverage for your personal and business needs? Look no further than Selective Insurance Company of America. With a rich history, a clear mission, and a wide range of insurance products and services, Selective Insurance Company of America has been a reliable choice for customers across the United States. From auto and home insurance to business and liability insurance, the company offers tailored solutions to protect you from unexpected risks. In this article, we will delve into the details of Selective Insurance Company of America, including its history, mission, products and services, pricing, coverage area, discounts, and customer reviews, to help you make an informed decision about your insurance needs.

What You Should Know About Selective Insurance Company of America

Company Contact Information

  • Selective Insurance Company of America
  • Address: 40 Wantage Ave, Branchville, NJ 07890
  • Phone: 1-800-777-9656
  • Website: www.selective.com

Related Parent or Child Companies

  • Selective Insurance Group, Inc. (Parent Company)

Financial Ratings

  • A.M. Best Rating: A+ (Superior)

Customer Service Ratings

  • Based on customer reviews, Selective Insurance Company of America has been praised for its responsive and helpful customer service, with many customers reporting positive experiences.

Claims Information

  • Selective Insurance Company of America offers a streamlined claims process, allowing customers to report and file claims through their website or by calling their claims hotline at 1-800-777-9656. The company aims to process claims efficiently and provide timely payouts to eligible policyholders.

Company Apps

  • Selective Insurance Company of America offers a mobile app called “Selective Mobile” that provides convenient access to policy information, claims reporting, bill payment, and contact information. The app is available for download on both iOS and Android devices, making it easy for customers to manage their policies on the go.

Selective Insurance Company of America Insurance Coverage Options

Selective Insurance Company of America offers a wide range of coverage options to meet the insurance needs of individuals, families, and businesses. These coverage options may include:

  • Auto Insurance: Selective Insurance provides coverage for personal vehicles, including liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
  • Home Insurance: Selective Insurance offers coverage for homes, including dwelling coverage, personal property coverage, liability coverage, and additional living expenses coverage.
  • Business Insurance: Selective Insurance provides coverage for businesses, including commercial property insurance, general liability insurance, commercial auto insurance, workers’ compensation insurance, and business interruption insurance.
  • Liability Insurance: Selective Insurance offers liability coverage for both personal and commercial policies, including bodily injury liability, property damage liability, and personal liability coverage.
  • Property Insurance: Selective Insurance provides coverage for property, including commercial property insurance, homeowners association insurance, and property preservation coverage.
  • Umbrella Insurance: Selective Insurance offers umbrella insurance, which provides additional liability coverage beyond the limits of other policies, protecting policyholders against large lawsuits or claims.
  • Flood Insurance: Selective Insurance offers flood insurance coverage for homes and businesses located in flood-prone areas, providing protection against damages caused by flooding.
  • Specialty Insurance: Selective Insurance provides specialty coverage options, such as marine insurance, excess and surplus lines insurance, and professional liability insurance for specific industries or unique risks.

It’s important to review your policy and consult with a Selective Insurance representative to determine the specific coverage options that best meet your insurance needs.

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Selective Insurance Company of America Insurance Rates Breakdown

Driver ProfileSelective InsuranceNational Average
Clean Record$71$119
1+ Ticket$104$147
1+ Accident$125$173
DUI$217$209
Poor Credit$122$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Selective Insurance Company of America Discounts Available

DiscountsSelective Insurance
Anti Theft5%
Good Student13%
Low Mileage7%
Paperless4%
Safe Driver17%
Senior Driver6%

Selective Insurance Company of America offers various discounts to eligible customers, helping them save on their insurance premiums. These discounts may vary by state and policy type, but commonly include:

  • Multi-Policy Discount: Customers who bundle multiple policies, such as auto and home insurance, with Selective Insurance may qualify for a discount on their premiums.
  • Safe Driver Discount: Customers with a clean driving record and no history of accidents or violations may be eligible for a safe driver discount.
  • Good Student Discount: Students who maintain a certain GPA or are on the Dean’s List may qualify for a discount on their auto insurance premiums.
  • Safety Features Discount: Vehicles equipped with safety features such as anti-lock brakes, airbags, and theft prevention systems may be eligible for a discount.
  • Home Security Discount: Homes with security features such as smoke detectors, burglar alarms, and fire alarms may qualify for a discount on their home insurance premiums.
  • Paid-in-Full Discount: Customers who pay their premiums in full upfront may be eligible for a discount on their insurance premiums.
  • Loyalty Discount: Customers who have been with Selective Insurance for a certain number of years may qualify for a loyalty discount.

Please note that specific discounts and eligibility criteria may vary, and it’s best to consult with a Selective Insurance representative or review your policy to determine the discounts that may apply to your unique situation.

How Selective Insurance Company of America Ranks Among Providers

Selective Insurance Company of America operates in a competitive insurance market and faces competition from various other insurance companies. Some of the main competitors of Selective Insurance may include:

  • State Farm: State Farm is one of the largest insurance companies in the United States, offering a wide range of insurance products including auto, home, business, and life insurance. They have a large customer base and a strong presence in the insurance industry.
  • Allstate: Allstate is another major insurance company that offers a variety of insurance products including auto, home, renters, and business insurance. They are known for their extensive advertising campaigns and nationwide coverage.
  • Progressive: Progressive is a well-known insurance company that specializes in auto insurance but also offers other types of insurance such as home, renters, and business insurance. They are known for their innovative use of technology in the insurance industry, such as their usage-based insurance programs.
  • Liberty Mutual: Liberty Mutual is a large insurance company that offers a wide range of insurance products including auto, home, renters, and business insurance. They have a strong presence in the commercial insurance market and cater to both personal and business insurance needs.
  • Travelers: Travelers is a leading insurance company that offers a wide range of insurance products including auto, home, business, and specialty insurance. They are known for their strong commercial insurance offerings and have a long history in the insurance industry.

Read more: Travelers Excess and Surplus Lines Company Review

It’s important to note that the competitive landscape of the insurance industry can change over time and may vary by region. It’s recommended to research and compare different insurance companies to find the one that best fits your specific insurance needs and budget.

Claims Process at Selective Insurance Company of America

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Selective Insurance Company of America prioritizes customer convenience when it comes to filing claims. Policyholders have the flexibility to file claims through various channels, including an intuitive online portal, a dedicated claims hotline over the phone, and user-friendly mobile apps.

This multi-channel approach ensures that customers can choose the method that best suits their preferences and circumstances.

Average Claim Processing Time

Efficiency is a key focus for Selective Insurance, reflecting in their commitment to a streamlined claims process. On average, the company boasts competitive claim processing times, aiming to provide quick resolutions to policyholders. The goal is to minimize any potential disruptions and ensure a swift return to normalcy for customers who file claims.

Customer Feedback on Claim Resolutions and Payouts

Customer satisfaction is paramount at Selective Insurance, and this extends to their claims resolution process. Feedback from policyholders indicates a positive experience with the company’s approach to claim settlements. The company values transparency, fair assessments, and timely payouts, contributing to positive customer feedback on the overall claims experience.

Selective Insurance Company of America Digital and Technological Features

Mobile App Features and Functionality

Selective Insurance Company of America understands the importance of technology in enhancing customer experience. The mobile app provided by the company is equipped with a range of features and functionalities, allowing policyholders to manage their insurance on the go.

This includes access to policy information, claims filing, and real-time updates, providing a comprehensive and user-friendly mobile experience.

Online Account Management Capabilities

Policyholders benefit from robust online account management capabilities with Selective Insurance. The online portal offers a secure and convenient platform for users to manage their policies, view documents, and make necessary updates. This digital feature enhances accessibility and empowers customers to have greater control over their insurance accounts.

Digital Tools and Resources

Selective Insurance Company of America invests in digital tools and resources to assist customers in making informed decisions. The company provides access to educational resources, calculators, and other digital tools that help customers understand their coverage options better.

This commitment to digital empowerment aligns with the company’s goal of being a reliable and tech-savvy insurance provider.

Frequently Asked Questions

What types of insurance does Selective Insurance Company of America offer?

Selective Insurance Company of America offers a wide range of insurance products, including auto, home, business, liability, and property insurance. It’s essential to review your policy and consult with a Selective Insurance representative to determine the specific coverage options that best meet your needs.

How does Selective Insurance Company of America rank compared to other insurance providers?

Selective Insurance Company of America is highly reputable with a solid A.M. Best Rating and a low complaint level. However, the competitive landscape can vary by region. It’s recommended to research and compare different insurance providers to find the one that best fits your specific needs and budget.

What discounts are available with Selective Insurance Company of America?

Selective Insurance Company of America offers various discounts to eligible customers, such as safe driver discounts and multi-policy discounts. Specific discounts and eligibility criteria may vary, so it’s advisable to consult with a Selective Insurance representative or review your policy to determine applicable discounts.

How does the claims process work at Selective Insurance Company of America?

Selective Insurance Company of America prioritizes customer convenience in the claims process. Policyholders can file claims through an online portal, a dedicated claims hotline, or mobile apps. The company aims for efficient claim processing times and positive customer feedback on claim resolutions and payouts.

What digital features does Selective Insurance Company of America offer to policyholders?

Selective Insurance offers a mobile app for policy management and claims filing. Policyholders can conveniently access and update their information, view documents, and benefit from online account management. The company is committed to providing digital tools and resources for informed decision-making.

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Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

Licensed Insurance Agent

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications.  As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Selective Insurance Company of America

4.15 (55 reviews)
4
March 28, 2019

survey2019

Progressive is a little too aggresive

Company was overall OK. My one issue with them was their harshness when it came to quarterly payments. They refused to grat even a small grace period of a day or two, when I was expecting the funds to be available within that time frame
5
December 31, 2018

judlorra

Selective - Coverage at a reasonable cost

Was formerly with a very well known company for years. Once my policy doubled in premium for the same coverage I switched. My Selective policy was half the cost for the same coverage.
2
November 17, 2018

Rchinson

Terrible customer service

Terrible customer service. Issued a refund and then 3 months later decided it was in error and automatically auto drafted it with my monthly bill with no notice. Offered to pay back monthly instead and was told no that what’s done is done. Love this customer service right before the holidays.
5
September 18, 2018

cutsbykevin

Great smaller company

Selective has the benefits of a large company with a small company feel. They offer comprehensive coverage at a fair price with great customer service. I highly recommend this company!
5
August 23, 2018

judlorra

Saved Me Money

Full coverage for a very reasonable price...switched to Selective when my prior carrier doubled the premium for the same coverage
5
August 15, 2018

sunshinenwaves84

Quick to reply!

Great customer service and quick response time and no issues with price, customer service or claims.
5
July 18, 2018

brettery

Cheapest option when combining home and auto - easy process

I just signed up with Selective for both my auto and home insurance when I bought each in August / September. While the auto policy was priced competitively on a standalone basis, it was by far the best / cheapest when combined with home insurance. I have not had to make a claim yet, but when I had questions through the process, they were quick to answer and very helpful. It was very easy to sign up, with no red tape / hassle. Overall, I defi...
I just signed up with Selective for both my auto and home insurance when I bought each in August / September. While the auto policy was priced competitively on a standalone basis, it was by far the best / cheapest when combined with home insurance. I have not had to make a claim yet, but when I had questions through the process, they were quick to answer and very helpful. It was very easy to sign up, with no red tape / hassle. Overall, I definitely recommend Selective, especially if you can combine home and auto insurance.
5
April 18, 2018

Sandpal28

Excellent company

I like this company, I get to have my payment taken out of my bank account each month so I don't have to worry about the payment. I never have a problem adding or taking off an automobile. They are paperless and send me emails if they need to send something. The price is good I switched because I saved quite a bit of money from Allstate auto and that is always good.
5
April 5, 2018

danak811

Super low bundling rates

Selective is a nice company to work with and they gave me great pricing. Flexible payment options. Hopefully I'll never need them but I've heard they are good with claims too
3
March 4, 2018

Timeka

Inexpensive Auto Insurance

Company has good rates. Especially if you pay for the entire year, which will include a discount. Only downfall is that they are slow to reimburse you for towing fees paid out of pocket.
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