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Instant Car Insurance Rates

Get great instant auto insurance with Nationwide

How to buy instant car insurance online for quick coverage

If you need insurance in a hurry, Nationwide can help. Using our website, you can receive an instant auto insurance quote and purchase it right away. That can be handy in a lot of situations – if you realize your car insurance has lapsed or if you’ve purchased a new vehicle and need coverage ASAP.

Whatever the reason, when you get an online insurance quote from Nationwide, you can tailor and purchase a car insurance policy instantly, and even print out your proof of insurance card. Here’s how it works.

1. Gather some basic information about your cars and drivers

To speed up purchasing instant auto insurance online, have this basic information ready for each driver on your policy:

  • Social Security number (optional)
  • Driver’s license number
  • Driving distance to work
  • Driving violations, accidents or claims in the last five years (approximate dates and details)
  • Make, model and year of your vehicle(s)

If you own a collectible car, you can also use the above information to get classic car insurance. Find out if you qualify today.

2. Get an insurance quote online

Visit Nationwide.com, enter your zip code and click Get a Quote. Then answer some questions about yourself, the car you want to insure and the people who will be driving the vehicle.

3. Find auto insurance discounts

As you get your instant quote, Nationwide will help identify discounts on car insurance that might apply to your policy to save you money. Depending on where you live, you may qualify for lower rates when you have multiple Nationwide insurance policies or have an accident-free record. If your vehicle is equipped with an anti-theft device or passenger restraint system, you may save even more. You may also earn a discount through the SmartRide program, which is a usage-based program that gives members feedback to help encourage safe driving. Get more ideas on how to lower the price of your auto policy.

4. Select the auto insurance policy that’s right for you

When you receive your instant car insurance quote from Nationwide, you will get three options to choose from, making it easy to select a policy that’s right for you and your budget. You can also change coverages to create a more personalized policy. Find out more about Nationwide’s auto insurance coverage options which include collision, liability and comprehensive coverage.

5. Choose a payment method and buy your insurance instantly

Once you’ve picked a policy, simply choose a payment option to complete the transaction. After that, you can download your proof of insurance card and print it out.

6. Stay safe on the road

Once you’re covered, read these vehicle safety articles for information on insurance basics and vehicle safety.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.

Get Car Insurance Quotes

Finding the Right Car Insurance Quotes

(We call “shotgun”)

So it’s time to lay your foot down on some new coverage for your ride. Way to go. Whether it’s a new car or you’re just trying to find a better price, getting insurance quotes can be a little tricky at times. It can involve oodles of hours browsing, guessing games and who ever knows which boxes you should be checking. We do.

Our independent agents have quite a few laps around the track and can make the process much simpler. They’ll ask the right questions, then shop and compare policies from multiple carriers to find the best coverage out there for you, at the best possible price.

They’ll even break down all the jargon in a way that’s easy to understand. Sounds nice, doesn’t it? But before we get ahead of ourselves, you should know just how insurance companies come up with all those quotes.

How Car Insurance Quotes Are Born

Before you dive into getting coverage, you should know how insurance companies come up with quotes.

  • They start by evaluating a series of risk factors that have number values (costs) associated with them, in a rating manual.
  • Risk factors may be things like age, gender, location, etc.—things that could increase the chances of you filing a claim.
  • The cost of the risk factors is determined either through studies of historical trends, or via analytical models (basically, super sciency/mathy stuff).
  • They’ll check off those attributes that apply to you.
  • A quote comes from the sum total of everything checked off on the list—plus a bit extra factored in for the insurance company’s profit margin. However, due to competition from other companies, they might lower the price a bit.

NOTE: Quotes are subject to change—the insurance company may gradually increase your premium over time to keep up with the financial demands of offering the coverage (so you’ll be less happy, they’ll be more happy).

How to Get the Car Insurance Quotes You Want

Step 1: Understanding Car Insurance and Why You Need It

Now that you understand how car insurance quotes are born, it’s important for you to understand what car insurance is, and why you’d need/want it:

  • The what: Car insurance is a contract between you and the insurance company where they agree to protect you financially should your car get stolen, be involved in an accident or fall victim to other awful circumstances.
  • The why: In many cases, car insurance is mandatory when getting the loan to pay for it. Plus, some states have minimum requirements to keep in mind (your agent can tell you all about yours).
    Beyond that, it’s just flat out good prepping smarts to have coverage in case something bad happens. If your car’s in an accident or stolen, your insurance will help you get back behind the wheel much faster. And your boss will love that.

Step 2: Gather All Your Info

Car insurance quotes are only as good as the info you provide. Make sure you supply the following details with as much accuracy as your memory (and official documents) allow:

  • The vehicle info, including its make, model and year of manufacture
  • Expected annual mileage
  • How the vehicle is used (i.e. work commuting, countryside joyriding, kitten transporting, etc.)
  • The ages of all drivers who will be using the vehicle
  • Your address and the location where the vehicle will be stored when not in use
  • The type of insurance coverage you need, including any additional coverage you might want (i.e. towing or roadside assistance)
  • Credit scores for all drivers of the vehicle
  • Accident records for all drivers of the vehicle

Step 3: Connect with an Independent Agent

Comparing quotes from different companies all by yourself can be complicated. You’ve gotta keep things like the insurer’s claims process, customer service, reputation and a lot more in mind.

Here’s where an agent comes in like a knight in shining armor—they know everything that’s important to consider when comparing quotes and they’re here to help.

An independent agent can make your life a lot easier. They’re not tied down to one insurance company, so they’re free to shop, compare and assemble all the pieces of the coverage puzzle for you—even if they end up coming from multiple carriers.

Step 4: Work with Your Agent

Your agent is there entirely for you. For questions, concerns and even a knock-knock joke or two. So the more openly you communicate with them, the better off you’ll be in the long run. Here’s a few ice-breaking talking points to go over with your agent:

  • How much coverage you want in each aspect of your policy (e.g. collision, comprehensive, liability and uninsured/underinsured motorists)
  • How much you’re willing to pay out of pocket towards a deductible
  • Open up about any factors that could up the risk factor of your policy (like your son’s fascination with “drifting”)
  • Ask for and discuss any deals or incentive payment plans (i.e. discounts for paying annually vs. monthly)
  • Pick the best coverage for you (it’s designed for you, after all)

Step 5: Tell Them Everything

And we mean everything. All the nitty gritty details you might rather gloss over, because inevitably they, or the carrier, will find out. And guess what? If they find out you purposefully omitted any risks to get yourself a lower premium, it will come back to bite you in the tailpipe. So keep these pointers in mind:

  • If theydoask, you tell. This honest communication will lead to a perfect premium/risk match in terms of your policy’s price (and no tailpipe biting of any kind).
  • If theydon’task, you tell. Don’t ignore anything you think is relevant just because it didn’t come up. The longer your Q&A/confessional segment is with your agent, the better your car insurance quote will ultimately be.

The Lowdown On Online Quotes

We know what you want—quick and easy car insurance quotes in under a minute. We get it, you want the goods, ASAP. However, choosing supersonic speed could mean sacrificing accuracy. which could end up costing you.

Look, we all love quick quotes—but online companies might leave out options that’ll save you some serious green, while conveniently leaving in factors that assume higher risk and calculate a pricier policy.

Aaaaaannd, our competitors might sell your precious info to multiple companies, which could lead to a bunch of unrecognized phone calls and a flooded voicemail box. We flipped the script by giving YOU the info and options to connect with an independent insurance agent when YOU are ready.

How to Get Instant Online Car Insurance Quotes

Getting instant online car insurance quotes online takes a little more effort than comparing prices for clothes or electronics.

Still, shopping around for quotes is easier than ever and can save you quite a bit of money. Here’s what you need to know to get started.

Where to go

The big insurance companies all provide quotes online these days. Progressive even offers to provide competitors’ rates so you can comparison shop.

Several independent sites (including NerdWallet) offer quotes from multiple insurance companies with links to each so shoppers can click through to ones that interest them. Some sites give ballpark numbers, while others are quite specific.

What you need to get a quote

Different sites ask for different details, but pretty much anyone offering instant car insurance quotes online will need to know where you live and what kind of car you drive to give you even an idea of what you can get. That’s because states have widely varying rules about how auto insurance works and what it must cover, risks change by location and certain cars cost more to insure or even require special policies.

To get beyond general numbers you’ll also have to give your age, marital status and how much you drive and why (commuting, business or pleasure). Sites may also ask for details about your driving record, your credit history and your current insurance. Insurance company underwriters have determined they can estimate risk based on all of these factors.

To get beyond general numbers you’ll also have to give your age, marital status and how much you drive and why (commuting, business or pleasure).

Many sites require you to give your name, address and date of birth. They then use this to get details about your credit and driving history, rather than having you fill those in yourself. They might ask for an email address and phone number so they can contact you with offers.

You’ll also be asked to give some idea of how much coverage you want. Some sites offer general options, such as “basic” and “premium”; some ask questions and then suggest coverage levels; and some ask you to fill in specifics about the coverage you want. Basic coverage may mean the minimum required in your state, while premium would include higher liability limits, plus collision and comprehensive protection (also with high limits) and possibly other coverage, such as rental-car reimbursement and roadside assistance. Here are factors to consider when deciding on coverage.

OK, so now what?

If you’re ready to look for instant car insurance quotes online, check out NerdWallet’s car insurance comparison tool for some quick results. It might pay to try another site or two, so you can compare results. If you want to go directly to insurance company sites, try more than one. There can be a wide range of prices among companies.

Aubrey Cohen is a staff writer covering insurance and investing for NerdWallet. Follow him on Twitter @aubreycohen and on Google+.

Get Car Insurance Quotes

Finding the Right Car Insurance Quotes

(We call “shotgun”)

So it’s time to lay your foot down on some new coverage for your ride. Way to go. Whether it’s a new car or you’re just trying to find a better price, getting insurance quotes can be a little tricky at times. It can involve oodles of hours browsing, guessing games and who ever knows which boxes you should be checking. We do.

Our independent agents have quite a few laps around the track and can make the process much simpler. They’ll ask the right questions, then shop and compare policies from multiple carriers to find the best coverage out there for you, at the best possible price.

They’ll even break down all the jargon in a way that’s easy to understand. Sounds nice, doesn’t it? But before we get ahead of ourselves, you should know just how insurance companies come up with all those quotes.

How Car Insurance Quotes Are Born

Before you dive into getting coverage, you should know how insurance companies come up with quotes.

  • They start by evaluating a series of risk factors that have number values (costs) associated with them, in a rating manual.
  • Risk factors may be things like age, gender, location, etc.—things that could increase the chances of you filing a claim.
  • The cost of the risk factors is determined either through studies of historical trends, or via analytical models (basically, super sciency/mathy stuff).
  • They’ll check off those attributes that apply to you.
  • A quote comes from the sum total of everything checked off on the list—plus a bit extra factored in for the insurance company’s profit margin. However, due to competition from other companies, they might lower the price a bit.

NOTE: Quotes are subject to change—the insurance company may gradually increase your premium over time to keep up with the financial demands of offering the coverage (so you’ll be less happy, they’ll be more happy).

How to Get the Car Insurance Quotes You Want

Step 1: Understanding Car Insurance and Why You Need It

Now that you understand how car insurance quotes are born, it’s important for you to understand what car insurance is, and why you’d need/want it:

  • The what: Car insurance is a contract between you and the insurance company where they agree to protect you financially should your car get stolen, be involved in an accident or fall victim to other awful circumstances.
  • The why: In many cases, car insurance is mandatory when getting the loan to pay for it. Plus, some states have minimum requirements to keep in mind (your agent can tell you all about yours).
    Beyond that, it’s just flat out good prepping smarts to have coverage in case something bad happens. If your car’s in an accident or stolen, your insurance will help you get back behind the wheel much faster. And your boss will love that.

Step 2: Gather All Your Info

Car insurance quotes are only as good as the info you provide. Make sure you supply the following details with as much accuracy as your memory (and official documents) allow:

  • The vehicle info, including its make, model and year of manufacture
  • Expected annual mileage
  • How the vehicle is used (i.e. work commuting, countryside joyriding, kitten transporting, etc.)
  • The ages of all drivers who will be using the vehicle
  • Your address and the location where the vehicle will be stored when not in use
  • The type of insurance coverage you need, including any additional coverage you might want (i.e. towing or roadside assistance)
  • Credit scores for all drivers of the vehicle
  • Accident records for all drivers of the vehicle

Step 3: Connect with an Independent Agent

Comparing quotes from different companies all by yourself can be complicated. You’ve gotta keep things like the insurer’s claims process, customer service, reputation and a lot more in mind.

Here’s where an agent comes in like a knight in shining armor—they know everything that’s important to consider when comparing quotes and they’re here to help.

An independent agent can make your life a lot easier. They’re not tied down to one insurance company, so they’re free to shop, compare and assemble all the pieces of the coverage puzzle for you—even if they end up coming from multiple carriers.

Step 4: Work with Your Agent

Your agent is there entirely for you. For questions, concerns and even a knock-knock joke or two. So the more openly you communicate with them, the better off you’ll be in the long run. Here’s a few ice-breaking talking points to go over with your agent:

  • How much coverage you want in each aspect of your policy (e.g. collision, comprehensive, liability and uninsured/underinsured motorists)
  • How much you’re willing to pay out of pocket towards a deductible
  • Open up about any factors that could up the risk factor of your policy (like your son’s fascination with “drifting”)
  • Ask for and discuss any deals or incentive payment plans (i.e. discounts for paying annually vs. monthly)
  • Pick the best coverage for you (it’s designed for you, after all)

Step 5: Tell Them Everything

And we mean everything. All the nitty gritty details you might rather gloss over, because inevitably they, or the carrier, will find out. And guess what? If they find out you purposefully omitted any risks to get yourself a lower premium, it will come back to bite you in the tailpipe. So keep these pointers in mind:

  • If theydoask, you tell. This honest communication will lead to a perfect premium/risk match in terms of your policy’s price (and no tailpipe biting of any kind).
  • If theydon’task, you tell. Don’t ignore anything you think is relevant just because it didn’t come up. The longer your Q&A/confessional segment is with your agent, the better your car insurance quote will ultimately be.

The Lowdown On Online Quotes

We know what you want—quick and easy car insurance quotes in under a minute. We get it, you want the goods, ASAP. However, choosing supersonic speed could mean sacrificing accuracy. which could end up costing you.

Look, we all love quick quotes—but online companies might leave out options that’ll save you some serious green, while conveniently leaving in factors that assume higher risk and calculate a pricier policy.

Aaaaaannd, our competitors might sell your precious info to multiple companies, which could lead to a bunch of unrecognized phone calls and a flooded voicemail box. We flipped the script by giving YOU the info and options to connect with an independent insurance agent when YOU are ready.

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