SelectQuote Auto Insurance Review
Shopping for insurance is never a joyful experience. With so many companies out there and so many variables with every insurance plan, where do you start?
We recommend that you consider SelectQuote Auto Insurance. This company will do the insurance shopping for you and get you set with the perfect coverage for your specific needs.
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History of SelectQuote Auto Insurance
Founded in 1985, SelectQuote Auto Insurance offers comparison prices for various types of insurance, including:
- Life Insurance
The company’s licensed insurance agents are qualified to give you the best, factual, unbiased data about insurance available to you.
Unbelievable as it may seem, customers of SelectQuote save an average of $444 per year over customers of traditional insurance companies and substantially more than its direct competition.
SelectQuote represents 16 of the highest-rated U.S. insurance carriers, including Safeco Insurance, The Hartford, and Nationwide Insurance.
SelectQuote represents 16 of the highest-rated U.S. insurance carriers, allowing you to compare rates quickly and easily all in one place.
SelectQuote Auto Insurance Process
Agents personalize your insurance to fit your needs to a tee. SelectQuote Insurance Agents will not only identify the best available coverage, but they’ll answer any questions you have so that you are an informed buyer and shopper.
SelectQuote also has a reputation for convenience, as you can get quick and easy access by phone to a qualified agent anywhere.
They make it easy to switch insurance plans, as your agent will be there to guide you through every step of the process. SelectQuote manages strict quality control by hand-selecting the best auto insurance providers to represent.
Auto Insurance Options with SelectQuote
SelectQuote offers a wide range of auto insurance options. From minor collisions to extensive property damage, this company will protect you.
Bodily Injury Liability
The first option SelectQuote offers is bodily injury liability. This option is a more basic coverage plan that applies only when you are at fault in an auto accident.
This plan ensures that your insurance will cover any rehabilitation, funeral costs, or medical expenses resulting from your error. This plan also covers any legal fees or lawsuits associated with such an accident.
Property Damage Liability Policy
SelectQuote Insurance also offers a property damage liability policy. Like the bodily injury liability plan, this coverage applies only in cases where you are at fault in an auto accident.
This plan provides coverage for repairs to damage to your vehicle, as well as damage to property caused by your crash, including other cars, fences, or any other damaged property.
Personal Injury Protection (PIP)
Personal injury protection is yet another auto-insurance option from SelectQuote. This policy will cover most or all medical expenses resulting from a car accident, regardless of who is at fault for the crash.
This plan includes medical coverage for hospital bills, ambulance fees, and even rehabilitation. In the worst-case scenario, this plan also covers any funeral expenses if the accident consists of casualties.
Uninsured Motorist Protection Plans
SelectQuote also prices uninsured motorist protection plans to safeguard you if you are in a collision with a driver who has no or inadequate insurance. This plan ensures that your medical costs and any other expenses get paid for by the person responsible for the accident.
This part of your auto insurance also covers any legal fees or lawsuits resulting from the accident.
The collision plan offered through SelectQuote covers the expenses resulting from an accident, even if you are at fault in the collision. This protection will help you pay for repair or replacement of your vehicle after a crash – be it with another car, a fence, tree, or some other object.
Although this auto-insurance option covers the cost of car repairs, you are limited to a specified selection of repair shops from which to choose for completing the fixes.
The comprehensive coverage plan available through SelectQuote is the most versatile coverage available. This plan provides you with protection against a wide range of issues resulting from a car accident.
Unlike the other policies, comprehensive coverage includes insurance against natural disasters, including a flood, a tree falling on your car during a storm, and the like.
SelectQuote Company Ratings
SelectQuote has excellent ratings for its financial strength.
AM Best and Standard & Poor’s – some of the most prestigious rating agencies in the United States – both give SelectQuote an A-, thanks to its reputation and financial strength.
Pros and Cons of SelectQuote
As with any company, you’ll find both pros and cons to buying your insurance through SelectQuote, depending on your specific needs and driving record.
One of the most attractive advantages of SelectQuote is its status as an independent agency. As such, it can gather information from various insurance providers to build the best possible coverage for you.
Another plus for SelectQuote is the wide variety of auto insurance options that it offers. The primary coverage plans include bodily injury liability, property damage liability, personal injury protection, uninsured motorist protection, collision, and comprehensive coverage. Virtually all customers are sure to find the coverage options that fit their needs precisely. SelectQuote indeed covers all of the bases.
On the downside, SelectQuote scores low on customer service. Many clients report that the insurance provider does not perform an annual review of their insurance policies and often takes an unusually long time to call them back when they have questions.
In fact, complaints about customer-support agents run rampant in SelectQuote reviews. Some clients voice frustration about the autonomous-sounding script that agents read on the phone, while others complain that they oppose the upselling of other insurance plans.
For example, customers calling the company for information about life insurance often get bombarded with additional unwelcome details about auto and home insurance policies that SelectQuote offers. Although it might seem typical for an insurance company to try upselling, SelectQuote appears to come off with many customers as too aggressive with this marketing strategy.
So, there you have it, pros and cons to SelectQuote. But the complaints don’t stretch across the board to affect more than a fraction of its customers.
Is SelectQuote Auto Insurance For You?
Depending on your situation, your insurance needs, and your driving record, SelectQuote still might be the best choice for you if you’re shopping for auto insurance options.
SelectQuote agents welcome your phone calls to help answer any questions you might have about your coverage.