Selective Insurance Company of New York Review (2024)
Selective Insurance Company of New York, a distinguished name in the insurance industry, garners trust with its stellar A.M. Best rating and competitive rates, offering a comprehensive array of coverage options for individuals and businesses alike.
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
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: Apr 23, 2024
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.
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Selective Insurance Company of New York
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A (Excellent)Complaint Level:
LowPros
- Comprehensive range of insurance options
- Strong reputation for customer service
- Competitive rates
- Customizable policies to suit individual needs
- Impressive history of growth and reliability
Cons
- Limited availability in certain regions
- Fewer online account management features compared to some competitors
- Discounts may vary depending on the policy and location
- Limited coverage for certain niche industries
The Selective Insurance Company of New York, a trusted name in the insurance industry. With an excellent A.M. Best rating and competitive average annual rates, this insurer offers a diverse range of coverage options, from property and liability insurance to workers’ compensation and commercial auto insurance.
We delve into their rich history, growth trajectory, and exemplary customer service, highlighting both the pros and cons of choosing Selective Insurance. Furthermore, the article unveils the enticing discounts available for policyholders, making insurance more affordable without compromising quality.
By providing insights into Selective Insurance’s coverage, competitive advantages, and notable competitors, this piece equips readers with valuable information to make informed decisions about their insurance needs.
Selective Insurance Company of New York Insurance Coverage Options
When it comes to safeguarding your assets and mitigating risks, Selective Insurance Company of New York has you covered. They offer a wide array of insurance options tailored to meet the diverse needs of their clients.
Here, we’ll explore the coverage options this reputable insurer provides to help you make an informed decision about protecting what matters most to you.
- Property Insurance: Selective Insurance Company of New York offers comprehensive property insurance, ensuring that your home, rental property, or business location is protected against various risks, including fire, theft, and natural disasters.
- Liability Insurance: Protect yourself and your business from legal and financial liabilities with liability insurance. Selective Insurance offers liability coverage that can safeguard you in the event of accidents or lawsuits.
- Workers’ Compensation: If you’re a business owner, workers’ compensation insurance is crucial. This coverage ensures that your employees are taken care of in case of workplace injuries or illnesses, covering medical expenses and lost wages.
- Commercial Auto Insurance: Whether you have a single company vehicle or an entire fleet, Selective Insurance provides commercial auto insurance options to keep your business on the road with peace of mind.
- Umbrella Insurance: Sometimes, standard insurance policies may not provide enough coverage. Umbrella insurance from Selective Insurance Company of New York acts as an additional layer of protection, offering higher liability limits for your personal and business assets.
Selective Insurance Company of New York’s diverse coverage options reflect their commitment to meeting the unique insurance needs of individuals and businesses. From protecting your property and assets to ensuring your peace of mind on the road, they offer a comprehensive suite of policies designed to provide security in an unpredictable world.
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Selective Insurance Company of New York Insurance Rates Breakdown
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| Driver Profile | Selective Insurance | National Average |
|---|---|---|
| Clean Record | $73 | $119 |
| 1+ Ticket | $108 | $147 |
| 1+ Accident | $125 | $173 |
| DUI | $250 | $209 |
| Poor Credit | $125 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Selective Insurance Company of New York Discounts Available
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| Discounts | Selective Insurance |
|---|---|
| Anti Theft | 6% |
| Good Student | 15% |
| Low Mileage | 8% |
| Paperless | 5% |
| Safe Driver | 18% |
| Senior Driver | 7% |
Selecting the right insurance policy not only involves finding the coverage you need but also ensuring it fits your budget. Selective Insurance Company of New York understands this, and they offer a range of discounts to help you save on your premiums without compromising on quality.
In this section, we’ll explore the discounts you can take advantage of when you choose Selective Insurance.
- Multi-Policy Discount: Combining multiple insurance policies, such as home and auto, can lead to significant savings. Selective Insurance rewards policyholders who bundle their coverage.
- Safe Driver Discount: If you have a clean driving record and a history of safe driving, Selective Insurance offers discounts to reward your responsible behavior on the road.
- Good Student Discount: Families with young drivers in school can benefit from this discount. If your student maintains good grades, you may be eligible for reduced premiums.
- Anti-Theft Discount: Installing anti-theft devices in your vehicle can deter theft and also earn you a discount on your auto insurance policy.
- Home Safety Features Discount: Protecting your home with security features like alarm systems and smoke detectors can result in lower home insurance premiums with Selective Insurance Company of New York.
- New Homebuyer Discount: If you’ve recently purchased a new home, Selective Insurance offers discounts to new homebuyers, helping you save on your homeowners’ insurance.
- Pay-in-Full Discount: Paying your premium in full, rather than in installments, can qualify you for a discount, reducing the overall cost of your insurance.
- Loyalty Discount: Staying with Selective Insurance over the years can pay off. They offer loyalty discounts to long-term policyholders as a token of appreciation.
Selective Insurance Company of New York values its customers and understands the importance of making insurance coverage affordable. These discounts not only help you save money but also ensure that you get the protection you need without breaking the bank.
By tailoring their discounts to various aspects of your life, Selective Insurance demonstrates its commitment to offering cost-effective and comprehensive insurance solutions.
How Selective Insurance Company of New York Ranks Among Providers
In the highly competitive insurance industry, Selective Insurance Company of New York faces several formidable competitors, each vying for a share of the market. Understanding who these competitors are can help consumers make informed choices. Here are some of Selective Insurance’s main competitors:
- State Farm: State Farm is one of the largest and most well-known insurance providers in the United States. They offer a wide range of insurance products, including auto, home, and life insurance. With a massive customer base and a strong online presence, State Farm is a significant player in the industry.
- Allstate: Allstate is another major player in the insurance sector, known for its extensive advertising campaigns and diverse coverage options. They provide various insurance products, including auto, home, and renters insurance. Allstate’s name recognition and national reach make it a key competitor.
- Progressive: Progressive is renowned for its innovative approach to auto insurance, including the use of technology to offer competitive rates. They are known for their quirky advertising campaigns and user-friendly online tools, making them a top choice for many auto insurance shoppers.
- Geico: Geico, famous for its gecko mascot and catchy commercials, specializes in providing affordable auto insurance. They have a strong online presence and offer a range of discounts to attract customers.
- Liberty Mutual: Liberty Mutual is a diversified insurance company offering various insurance products, including auto, home, and life insurance. They focus on personalized service and have a significant presence in the market.
- Nationwide: Nationwide is known for its broad range of insurance options and financial services. They provide coverage for auto, home, and specialty products. Nationwide’s long history in the industry and extensive agent network make it a notable competitor.
- Travelers: Travelers is a leading insurance provider with a strong emphasis on commercial insurance. They offer a wide array of business insurance solutions, making them a significant rival in the commercial insurance sector.
- Farmers Insurance: Farmers Insurance provides a variety of insurance products, including auto, home, and business insurance. They have a robust network of agents and a reputation for personalized service.
These competitors, along with others in the insurance industry, continually strive to attract and retain customers through various marketing strategies, coverage options, and discounts. When selecting an insurance provider, it’s essential for consumers to compare offerings, rates, and customer reviews to find the best fit for their specific needs.
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Claims Process at Selective Insurance Company of New York
Filing a Claim: Convenience at Your Fingertips
When it comes to filing an insurance claim, convenience is key. Selective Insurance Company of New York understands this well and has streamlined the process to ensure policyholders have multiple user-friendly options at their disposal.
Whether you prefer the ease of filing a claim online, the personal touch of a phone call, or the efficiency of a mobile app, Selective Insurance has you covered. This variety of options empowers you to choose the method that suits your preferences, making the claims process a hassle-free experience.
Swift Resolution
In the world of insurance, time matters. Selective Insurance Company of New York is committed to delivering prompt service, especially when it comes to processing claims.
While the specific processing time may vary depending on the complexity of the claim, Selective Insurance’s goal is to provide efficient processing while keeping policyholders informed throughout the entire process. This commitment to speed and transparency ensures that your claims are handled as swiftly as possible.
Customer Satisfaction
The true measure of an insurance company’s performance is the feedback from its customers. Selective Insurance Company of New York consistently receives positive reviews for its handling of claim resolutions and payouts.
This positive feedback is a testament to the insurer’s dedication to providing fair and satisfactory outcomes for policyholders. It reflects their commitment to customer satisfaction and their ability to deliver on their promises.
Digital and Technological Features at Selective Insurance Company of New York
Empowering Mobile App
In today’s digital age, having access to insurance information on the go is essential. Selective Insurance Company of New York’s mobile app is designed to empower policyholders with a host of features and functionalities. This user-friendly app allows you to manage your policies, file claims, and even access digital ID cards with ease.
It’s a powerful tool that simplifies the insurance experience, ensuring that you have convenient access to essential services right at your fingertips.
Seamless Online Account Management
Managing your insurance policies and accounts online has never been more accessible and efficient than with Selective Insurance Company of New York. Their online account management platform offers a user-friendly interface that allows you to review policies, make payments, and update your information with ease.
This digital convenience not only enhances accessibility but also streamlines the management of your insurance portfolio, putting you in control.
Knowledge at Your Fingertips
Understanding insurance options and making informed decisions are crucial. Selective Insurance Company of New York provides a wealth of digital tools and resources to help you along the way.
These resources include educational materials, frequently asked questions (FAQs), and handy calculators. By offering these digital assets, Selective Insurance empowers its customers to navigate the world of insurance effectively, ensuring they have the knowledge they need to make the right choices for their coverage.
Frequently Asked Questions
What types of property insurance does Selective Insurance Company of New York offer?
Selective Insurance Company of New York provides various property insurance options, including coverage for homeowners, renters, and commercial property.
Does Selective Insurance Company of New York offer liability insurance for businesses?
Yes, Selective Insurance Company of New York offers liability insurance specifically designed to protect businesses against legal and financial liabilities.
Can I find workers’ compensation insurance for my employees through Selective Insurance Company of New York?
Selective Insurance Company of New York offers workers’ compensation insurance, ensuring that your employees are covered in case of workplace injuries or illnesses.
What commercial auto insurance options are available from Selective Insurance Company of New York?
Selective Insurance Company of New York provides commercial auto insurance, catering to businesses with one vehicle or an entire fleet, ensuring protection on the road.
Does Selective Insurance Company of New York offer umbrella insurance for additional liability coverage?
Yes, Selective Insurance Company of New York offers umbrella insurance, which acts as an additional layer of protection, providing higher liability limits for both personal and business assets.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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.
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