Personal Auto Insurance
Personal auto insurance from Selective helps protect your car on and off the road. Check with your agent to see what coverage is right for your unique needs.
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Home : For Individuals : Personal Car Insurance

PERSONAL AUTO INSURANCE FROM SELECTIVE

Give your vehicles and your family the protection they deserve on and off the road with tailored coverage and optional policy enhancements.

The cars you drive, where you live, and who is driving your vehicles are all factors that help determine the type and limits of coverage you may need.

Luxury automobiles may also require coverage different from the average vehicle to match their unique risks.

Whatever your coverage needs, Selective and your independent agent can help you protect the vehicles you love—and the people who drive them—with a policy that fits your unique lifestyle.

WHAT DOES SELECTIVE'S PERSONAL AUTO INSURANCE COVER?

Personal vehicle insurance helps protect your car, truck, or SUV in the event of an accident, weather event, or a different kind of covered loss. Depending on the type of automobile insurance you choose, coverage could pay for repairs or medical bills and help you get a rental car if you're ever in a collision.

An independent agent can help you decide if you need basic liability coverage or if your vehicles may benefit from optional coverages that protect against a broader range of situations.

If you drive a vehicle for business purposes, your agent can help you determine if you need commercial car insurance.

LUXURY CAR INSURANCE FROM SELECTIVE

A standard auto insurance policy may not adequately protect your custom, classic, or limited production vehicle.

We suggest talking to your independent agent about specialized high-end vehicle insurance coverage from Selective tailored to your car’s unique value, age, and usage.

“Great communication and service with our claims.”

Personal Auto Insurance Customer

GREATER PEACE OF MIND OF THE ROAD

The Selective Edge® Personal Auto Insurance

Selective's comprehensive policy enhancement offers a variety of optional auto insurance coverage enhancements that go above and beyond standard protection:

Roadside Assistance

Key replacement

Pet injury coverage

and more

Ask your independent agent about how to enhance your auto protection with the Selective Edge.

Optional Personal Auto Coverage Enhancements

By having adequate auto insurance coverage in place, you can be confident in knowing you're protected against road risks. Selective's personalized auto insurance experience offers a variety of optional coverage enhancements to increase your protection further.

Accident Forgiveness– waive any increase in your premium due to one at-fault accident.

Agreed Value– in the event your vehicle is deemed a total loss, you will receive the predetermined insured value, without adjustment for depreciation.

Original Equipment Manufacturer (OEM) Coverage– provides repairs to your vehicle, as the result of a covered loss, with brand name original equipment manufacturer parts.

Open Daily Limit Transportation Expense– coverage with available limit options of $5,000 and $10,000.

Worldwide Coverage– extends your policy territory for Liability, Medical Payments, and Physical Damage territory globally except where a US travel ban or sanctions exist.

Allow LLC as Additional Insured– coverage for vehicles used for business purposes. Named Insured must be a member or manager of the LLC. The LLC cannot be a partnership, joint venture, corporation, or organization.

Diminishing Deductible– automatically receive a $100 credit on your deductible and additional credit for every claim-free year for up to a maximum of $500 in savings.

Newer Car Replacement– in the event of a total vehicle loss, you will receive the actual cash value for a car one model year newer with 15,000 fewer miles.

Selective Choice Replacement Cost℠– pays to replace a vehicle with the latest model year available at the time of loss and gives you the choice of coverage for 2, 4, or 6 years from the purchase date.

Some coverage enhancements have certain restrictions or may only be added to vehicles that have comprehensive and collision coverage. Talk to your local independent agent for complete details.

Exclusive Discounts with Selective

We offer a wide variety of discounts to help you save even more on your auto insurance coverage. You may qualify for available car insurance discounts if you:

Have current homeowners or condominium policy with Selective.

Received a personal auto insurance quote eight or more days before your current auto insurance policy expires (Advanced Quote discount).

Have an insured commercial vehicle in the household.

Have not experienced a personal auto insurance loss over a certain period (Loss-free discount).

Have insured drivers with Selective (up to age 25) who have completed approved driver training and maintain good grades (grades are verified annually).

Own a vehicle(s) with specific qualifying safety or anti-theft features.

Receive a "good payer" discount for consistently paying your other Selective insurance policy bill(s) on time.

Your local independent agent can help you craft a policy that meets your personal auto insurance needs.

FREQUENTLY ASKED PERSONAL AUTO INSURANCE QUESTIONS

What is auto insurance?

Auto insurance is a contract between you and an insurer that can provide financial protection if you or your vehicle are involved an accident, or if your vehicle is stolen or impacted by other events outside your control. There are a number of auto insurance coverages available. The most common coverages, however, include liability, comprehensive, collision, medical payments and personal injury protection (PIP).

What is comprehensive car insurance?

Comprehensive auto insurance is auto insurance coverage that pays to repair or replace your vehicle if it is damaged in an incident other than a collision. This may include events such as fire, vandalism, theft, or damage caused by other hazards like hail or falling trees. Comprehensive auto insurance coverage can provide added protection against damages from events beyond your control.

How to switch car insurance to Selective?

Contact one of these agents for a Selective auto insurance quote. Whether you are currently insured with another carrier or would like to purchase your first personal auto insurance policy, a Selective agent will work with you to find an auto insurance policy that fits your unique lifestyle.

For Individuals Customer Reviews

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