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If you own a TV, you’re bound to have heard the famous, sing-song slogan, “Nationwide is on your side” at some point; every driver in the US has probably seen a Nationwide office or knows at least one person who relies on the company for insurance.
Nationwide isn’t just one of the most recognized companies in America with its iconic blue logo with the majestic eagle flying; it’s also one of the top auto insurance providers in the country.
Whether you’ve never bought car insurance before and need some help or want to consider your options and see if the grass is greener on the other side, this guide will walk you through the process of getting a free Nationwide car insurance quote as well as offer some tips on how to compare car insurance rates.
Enter your zip code here to compare free car insurance quotes with Nationwide and other companies.
Starting Your Search
The first thing you want to do when comparing car insurance is consider what you need. Learn about your state’s auto insurance requirements and make sure that these are your baseline limits, but don’t settle for the bare minimum, either.
You have to pay for car insurance regardless, so it’s better to shop around and find the best balance between cost and quality coverage than to accept an extremely low rate and be financially devastated in the event of an accident.
Here’s a breakdown of recommended car insurance coverage:
- At least $100,000 per person and $300,000 per accident
- Property damage
- Uninsured motorist coverage
- Bodily Injury coverage (also known as Personal Injury Protection or PIP)
Step #1 — Get to Know Nationwide
As one of the top providers in America, Nationwide is a reliable company that isn’t going anywhere anytime soon. They’re financially secure and have a wide selection of policies that can match the coverage needs of a wide variety of consumers.
Nationwide is a staple in the car insurance industry, so it’s a good idea to request a free quote from them even if you are undecided.
Getting quotes from top companies and comparing coverage details with rates from other agencies can help you find the average cost of insuring your vehicle and settle on the best offer.
Follow along this step-by-step guide on Nationwide’s quote request process to easily find out how much your car would cost to insure.
Keep in mind that car insurance quotes are just estimates, and if you are really interested in a company, you should reach out to an agent and discuss details and negotiables with them before closing a deal.
Visit Nationwide.com and take a look around. There’s a lot to explore, and even if you’re only in the market for car insurance, understanding how they market themselves and the types of products and services they provide can help you gain a better impression on who Nationwide is as a company.
The Nationwide blog is a great way to meet Nationwide on a more conversational level; read through some of their auto insurance posts and get a feel for what they value and how they help their customers.
Step #2 — Enter Your Zip Code and Provide Your Basic Info
When you’re ready to get a quote, head back to the homepage, scroll down and click auto in the box. Enter your zip code. You’ll be directed to the first page of the Nationwide quote wizard, which will require you to enter your first and last names, age, address, and phone number.
Step #3 — Get Assistance and Ask Questions
On the first page, you’ll notice that Nationwide offers two ways to get help — calling their customer service line or using the live chat. Each of these features makes it easy to get real assistance and fast answers to any questions you may have.
Step #4 — Stay Informed
Step #5 – Add Vehicle Details
Once you’ve given your basic information, it’s time to talk about what matters most with auto insurance — the car! Nationwide has an autocomplete form that helps you easily input key vehicle details like the make and model.
If you aren’t 100 percent sure about the details, either mark down your quote ID at the bottom of the screen so you can check and return later, or step away and find that information by entering your car’s Vehicle Identification Number (VIN) or checking your registration.
Step #7 — Learn as You GoClick on one of the blue question marks at any time to receive additional information about why Nationwide requests this and how your answer influences your quote.
Step #6 — Add Driver Info
Providing information about all the drivers in your household can help qualify you for discounts and ensure that your rates are accurate; when you reach this part of the quote request process, you’ll be asked to provide questions about the following:
- Your marital status (if you’re married, then you’ll need to provide your spouse’s information as well)
- License status – Active, suspended, revoked
- SR-22 requirements (for drivers with a previous DUI/DWI conviction)
- Multiple drivers in one household using the same vehicle(s)
– If You’re Under 25
Drivers under 25 will be asked if they live with a parent or spouse and whether or not they have graduated from an accredited two or four-year degree program.
Having a college education or living with parents or a spouse can affect your rates and potentially qualify you for additional discounts.
Car insurance for college students or graduates varies, so it’s important to shop around and compare coverage. Being a young adult driver can be expensive even with a good driving record, so take advantage of every discount opportunity available.
Step #8 — Switching insurance providers? Know How to Cancel and Buy a New Policy
Switching coverage doesn’t have to be as complicated as you might think; typically, you should provide your current provider with at least 30 days notice that you plan on switching to a new provider. Ask about their cancellation policies and any fees you may incur.
Nationwide asks if you’ve been with or without car insurance for the last six months, and their answers regarding continuous coverage will impact your eligibility for a quote.
Typically, those who have not had continuous coverage for the last six months or possessed an inactive driver’s license will be redirected to an associate company.
– Should you cancel your car insurance policy?
There are many reasons why you might want to switch car insurance providers and cancel a policy, but sometimes the cons outweigh the pros. Typically, finding new coverage from a reliable company can be difficult if there has been a lapse in continued coverage for at least six months.
Therefore, if you’re in the midst of a six-month policy, it would be a better idea to provide a 30-day notice during month five so you can seamlessly transfer to a new provider as soon as your current policy ends
If you have been with the same provider for over six months or even several years, switching to a new provider may provide you with lower premiums, greater benefits, and better customer support.
The most important thing to do is communicate with your current provider and the new company you’re considering.
Speak to your agent or a customer service rep at your current company and express your dissatisfaction to see if they can work out a better deal.
Talk to new potential providers about their qualifying criteria and make sure that switching from your current company abruptly won’t disqualify you for coverage.
If you’re contemplating switching to a direct competitor, bringing up a quote you were offered may inspire your current company to lower your rates and price match the better deal to keep you as a customer.
Step #9 — Discover Discounts
Nationwide’s system will let you know if you automatically qualify for certain discounts like accident-free and passive restraint.
If you live over 100 miles away from home, are an active duty service member, a full-time high school or college student with at least a 3.0 GPA, you can qualify for a variety of specific discounts that can lower your monthly premiums and allow you to afford better coverage.
Step #10 — Learn About SmartRideYou can save more on Nationwide car insurance by enrolling in the SmartRide program; similar to Allstate’s Drivewise and State Farm’s Stay Safe & Save initiatives, SmartRide is a discount program that gives drivers an automatic 10 percent discount with an opportunity to save up to 40 percent on their policy.
To use SmartRide, you’ll install a device in your vehicle that monitors your driving habits over the course of four months.
At the end of the evaluation period, your results will be analyzed and Nationwide will give you any additional discounts that you qualify for. You can literally save hundreds of dollars just buy driving responsibility.
Step #11 — Denied a Quote?For some people, Nationwide may inform them at the end of the process that they are ineligible for a quote. You’ll then be automatically redirected to an affiliate of theirs such as National General. If this happens, don’t worry.
As frustrating as it is to have wasted all that time filling out forms for nothing, you can go back a few pages on your browser and call the customer support line, get in touch with a local agent, or live chat with a representative to figure out why you were denied an estimate.
Two primary reasons for denial are being without continuous coverage for any period in the last six months and having greater than two accidents in the past three years.
Step #12 — Compare Quotes to Save Most
Whether you’re actively looking for a new policy or just shopping around, comparison shopping for car insurance is best done with free online quotes. You can use our site to get estimates from multiple insurers sent directly to you, free of charge. Just enter your zip code below to start.