SelectQuote Auto Insurance Review

If you’re buying new shoes or a pack of t-shirts, shopping online can make life so much easier.

But comparing financial products such as auto insurance online can be tougher because the price isn’t the only variable, and shipping times don’t even matter.

SelectQuote, which has helped millions of people compare life insurance policies online, now offers auto insurance policies.

Let’s take a closer look to see if SelectQuote could make your life easier.

• About SelectQuote Auto

• Companies Used by SelectQuote

• Coverage Options

• Pros & Cons of SelectQuote

• How To Save on Your Auto Insurance

SelectQuote Auto Insurance

SelectQuote dates back to 1985, the year black and red Air Jordans hit the market. The Internet existed then, but only a handful of people used it, which is ironic because SelectQuote seems tailor-made for online shopping.

With SelectQuote you can compare several different auto insurance plans on one site. You won’t need the confusion of 6 or 8 open tabs.

But SelectQuote isn’t an insurer. It’s simply a way to get connected with auto coverage providers, learn about coverage options, and buy coverage. SelectQuote could be considered an independent online insurance agency.

Because SelectQuote doesn’t actually insure your car or cover your liability, you’ll want to research the companies providing the policies SelectQuote sells.

What Companies Does SelectQuote Use?

When you compare auto policies on SelectQuote, expect to see some familiar names such as:

• Liberty Mutual

• Safeco

• Travelers

• MetLife

• Progressive

• Nationwide

• The Hartford

You’ll be able to compare prices and coverage options from these companies when you start the quote process at Selectquote.com.

What Kind of Auto Insurance Do I Need?

Knowing your actual insurance needs always makes insurance shopping easier. Auto insurance encompasses a variety of coverages, some of which may be optional, but nice to have.

Here’s a simple breakdown of the elements of an auto policy:

Property Damage Liability

This part of your insurance kicks in if you cause a wreck that injures someone else’s car or other property. Without liability coverage, you’d be personally responsible for the damage inflicted by an at-fault collision.

Bodily Injury Liability

When you cause a collision that injures another driver or other passengers, this part of your insurance can foot the bill. Without this coverage, you could be held personally responsible, and a judge could even seize your assets, including your home and savings.

Collision Coverage

This piece of your policy protects your own vehicle’s value. If you’re responsible for the wreck, you could file a claim to cover your repair costs. (If you’re not responsible, the responsible driver’s liability coverage should repair your car.)

Comprehensive Coverage

If a tree falls on your parked car, or if someone steals it or damages your lock while breaking into it, comprehensive coverage can help with the repairs or replacement of your vehicle.

Personal Injury Protection

This protection resembles bodily injury liability, but it can pay for your injuries even if you caused the wreck. If you didn’t cause the wreck, the responsible driver’s liability coverage should be paid.

Uninsured / Underinsured

Not every driver follows state laws about carrying liability insurance. If you’re injured or your car gets damaged by someone without insurance (or without enough insurance), this coverage can help protect you.

What Type of Coverage Do I Need?

A SelectQuote agent online or over the phone can help you find the balances you need for these coverages.

Almost all states have laws requiring motorists to have adequate liability coverage to protect other drivers.

If you owe money on your car, your lienholder will most likely require collision and comprehensive coverage.

You could opt out of Personal Injury and Uninsured Motorist coverages to save on monthly premiums, but these protections tend to be affordable and very helpful if needed.

Other Ways to Save on Auto Insurance

Comparing quotes with Select Quote or another aggregator can help you save money on your monthly premiums.

But some factors will raise or lower your premiums regardless of which company you choose. Things like:

• Driving Record: Moving violations such as speeding tickets or reckless driving will raise your premiums. Drive safely to get the best rates.

• Age: Younger, less experienced drivers, pay more in premiums because they’re more prone to collisions.

• Vehicle: More valuable cars cost more to insure.

• Vehicle’s Safety Features: The safer your car, the less you’ll need to pay in premiums.

• Mileage: The more you drive, the more your premiums will cost.

No, you can’t very easily change these aspects of your life — other than becoming a safer driver or maybe buying a safer car.

This being said, your state’s laws may limit your agent’s ability to find a lower rate.

Is Select Quote Right for You?

SelectQuote isn’t for everyone. Consider your own needs before entering your personal data. 

Someone who wants complete control over the process of finding and finalizing an auto policy will prefer a more traditional approach.

Either way, make sure you’re protecting your liability and your property. The roads can be a dangerous place.

The cheapest insurance on the market may cost you a lot more if it can’t provide the protection you need after a wreck.

How We Review Insurance Companies: 

Good Financial Cents systematically reviews U.S. insurance companies, emphasizing policy offerings, customer experiences, and overall reliability.

Our goal is to present a balanced and comprehensive perspective to potential policyholders. Editorial transparency remains a cornerstone of our approach.

We actively collect information from insurance companies and place significant weight on customer feedback. By integrating this feedback with our research, we can offer a well-rounded evaluation.

Each company is then rated based on multiple criteria, resulting in a star rating from one to five.

For a deeper understanding of the criteria we use to rate insurance companies and our evaluation approach, please refer to our editorial guidelines and full disclaimer.