Auto insurance resources
How to find cheap car insurance
Everyone wants to save money without compromising on quality. Some insurance companies focus on the basic necessities for you to drive legally - bodily injury and property damage liability with minimal limits - along with sporadic claims procedures at best. Instead of taking a risk on that cheap auto insurance company, you can get quality coverage that won't break the bank with Nationwide.
Nationwide insurance professionals can quickly tailor an auto insurance quote that meets your exact needs, even for those on a tight budget. We offer flexible coverage and billing options, allowing members to pay monthly, quarterly, or semi-annually online, through the mail, or over the phone. It's important to keep your long-term flexibility in mind when deciding on an insurance company, and not just go with the cheapest auto insurance option available.
Car insurance discounts across the country
You can get affordable car insurance rates on national coverage with our auto insurance discounts, such as:
Multiple Policy Discount - When you carry multiple types of Nationwide insurance policies (auto, home, life, motorcycle, etc.), you can qualify for lower premiums on each policy than if you had separate policies from insurance companies different. Think of it as a collection discount.
Good Student Discount - It is possible to get cheap student car insurance Nationwide.
SmartRide® Discount - SmartRide is our safe driving reward tracking tool. This is where the rubber really meets the road - attach the device to your car and it will track your driving habits, such as hard braking, speeding, etc. With a steady hand on the wheel, your low-risk driving can earn you lower insurance premiums.
Paperless Discount - You'll save money on stamps and avoid late fees if you sign up for automatic bill payment Nationwide at regular intervals from your checking or savings account. Some policyholders may receive a recurring discount when they agree to receive documents electronically
Find affordable car insurance
Everyone wants the best value for their car insurance premiums. But what makes Nationwide unique are the high-quality benefits members can get:
Reliable and customizable car insurance. You can choose the auto insurance policies that best suit your lifestyle and budget.
First class claims service. Our nationwide claims service is available when you need it, 24/7. You can file a claim online or over the phone.
An annual On Your Side® review to make sure your coverage meets your needs.
Accident forgiveness helps you avoid price hikes in the event that your first accident occurs in error.
How can I lower my car insurance rates?
Certain factors affect auto insurance rates, including some that you can control:
The type of car you drive - The price and style of your car will affect how much you charge. The age of your car is also important; Older cars tend to be cheaper to insure.
The type of coverage you choose - If you drive an older car with significant miles, you might consider dropping collision or comprehensive coverage if you need to keep premiums low.
Your deductible amount - A high deductible can significantly lower your auto insurance premiums. While it may mean more out-of-pocket expenses in the event of an accident, it can also mean paying less over time.
Where to keep your car - Prices are somewhat determined by the area where you live and park.
The number of drivers on your policy - If you add someone to your policy, your rate will go up, especially if that "person" is a teen's new driver. Teens statistically have more accidents, so it's more expensive to insure them.
Your Driving Record - Insurance rates can sometimes increase after an accident or moving violation. The good news? You may be eligible for a discount after a certain period of accident-free driving.
You can learn more about the factors that affect the cost of car insurance — and be sure to consider them as you shop for coverage.
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