Selective Auto Insurance

I'm rather new to Selective Auto Insurance and, in fact, hadn't really heard of the Selective Insurance Group until early this year.

The insurance company I used last year for my auto insurance needs increased my rates (for no apparent reason) so, just like I always encourage my readers to do, I decided to shop around to see if I could get a better deal elsewhere.

I was slightly skeptical when my search resulted in the best rates coming from the Selective Insurance Company of America, because I wasn't familiar with them and I didn't want some "fly by night" company who could potentially take my money and run at an inconvenient moment.

It turns out that my worries were completely unfounded.


Although Selective is lesser known, they've been around quite a long time (from the 1920's).

They've received numerous awards over the last couple of decades that attest to the stability and quality of the Selective Insurance Group

The BBB and the major financial rating companies all give them a good score, too.

Having that settled, we decided to give them a try. 

I rarely have to deal with my own insurance company beyond paying my premium bill annually because, thankfully, I've not been in an accident in decades. 

This year has been an exception.  Keep reading to find out why...

My Review Of Selective Auto Insurance

Although I wasn't personally in a car accident, I was able to discover first hand how Selective deals with their clients.

While I was overseas I left my car with my mother-in-law to drive in my absence.  She was driving not far from her home when another driver failed to yield at a stop sign and collided into the rear passenger door of my car.

Incidentally, I only had liability coverage on the vehicle because although it is still a nice car in excellent condition, it is 13 years old and not worth carrying full coverage.

Regardless, my mother-in-law reported the accident and a Selective insurance agent called her the very next day to take down her version of events.  He then emailed us to let us know that he would be pursuing the claim for us and putting my mother-in-law in touch with the other driver's insurance company (Indiana Farm Bureau) for them to take her statement and send out an adjuster.

I'm happy to say that the guy from Indiana Farm Bureau Insurance also did a good job, came the very next day, and we had a check by the end of the week.  Impressive!

It remains to be seen as to whether or not Selective will penalize me for an accident that was not my fault and which cost them nothing.  I guess I'll know when my next Selective insurance payment is due upon the policy renewal.

For now, I am quite impressed with the way they immediately took action, handled everything for us while we were out of the country, and helped make the whole process much less stressful than it could have been for my mother-in-law. 

I'd love to hear what you think about the Selective Insurance Group or whatever insurance company you've dealt with.  Add your views here.

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