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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.

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.

Where can I get instant cheap auto insurance quotes?

Car insurance can be expensive, as costs for an average drive range from $600-1200 per year. Still, it’s illegal and dangerous to drive without an auto insurance policy.

According to the the U.S. Department of Transportation and the National Highway Traffic Safety Administration, over 10.5 million Americans were involved in car accidents in 2007, and although cars are gradually becoming safer, the financial costs of an accident can be enormous.

Fortunately, it’s often possible to get a much cheaper insurance policy by buying online, as it’s easier to compare policies, explore coverage options and choose a reliable insurance plan that will keep you protected while you’re on the road.

Enter your ZIP code into our FREE comparison tool, and we will find you the best car insurance companies!

Why Shopping Online For Car Insurance Makes Sense

When you buy car insurance online, you have access to dozens of resources that aren’t available in physical car insurance offices. Quotes are generated completely automatically, so it’s easy to find a quote for any type of vehicle.

It’s also easy to find definitions for car insurance terms, which in turn makes it easier to find the right type of coverage. Find the best car insurance coverage by entering your ZIP code above!

Other benefits to buying car insurance online include:

  • It’s easier to find quotes from car insurance companies that might not have physical offices in your town
  • Prices for auto insurance are generally much lower online due to increased competition
  • Drivers can find car insurance, buy a policy and get proof of insurance much faster

Free Auto Insurance Comparison

Compare Quotes From Top Companies and Save

Finding Reliable Auto Insurance Quotes

More and more drivers are looking for reliable auto insurance quotes on the Internet thanks to the lower prices and a greater array of coverage options that car insurance providers offer online.

Insurance companies make it easy to get accurate quotes by entering basic information into web forms including a driver’s age, vehicle and driving history.

This information is compared to actuarial statistics to assess the approximate possibility of an insurance claim. Drivers who have strong records and who choose safe vehicles will get lower rates while riskier drivers see higher premiums.

An online auto insurance quote generator is an even better way to find accurate quotes, as these generators use a single set of information to find several auto insurance quotes from major providers.

This makes finding quotes easy and fast, and as we work with car insurance companies, all quotes are accurate. Drivers can quickly compare five or more auto insurance quotes to figure out which provider offers the best coverage and reasonable premiums.

Keeping Auto Insurance Costs Low

By comparing insurance quotes, drivers can see how coverage options differ from one insurance provider to the next. This makes it easy to find a cheaper auto insurance option or better coverage, even if you’re a high-risk driver.

We will list approximate prices and coverage amounts of various companies almost immediately after you enter your information.

This list is sorted by price, so you’ll instantly find out which company offers the lowest premiums.

If you’re looking for a specific type or amount of coverage, you can also use the quote comparison tool to find a relevant insurance plan that matches your needs.

Other ways to keep auto insurance costs low include:

  • Asking about auto insurance discount programs. Most car insurance companies offer discounts to their policyholders, including discounts specifically designed for good students, homeowners and other low-risk groups. Asking for insurance discounts is a good way to get a cheaper policy.
  • Taking a state-sponsored driving course for an additional discount.
  • Getting insurance quotes for several different deductibles and levels of coverage. Lowering your coverage might be an acceptable way to keep your insurance costs down if you don’t drive frequently, but otherwise, it’s better to look into other options.

Ultimately, comparing insurance quotes online is the fastest way to get lower car insurance premiums. Shopping online will allow you to get instant quotes from all of the major car insurance companies and accurately compare them to decide on an appropriate policy.

Many drivers can reduce their policy costs by 20 percent or more in only a few minutes by comparing quotes online, and by checking your rates every few months, you can make sure that you never overpay for your insurance coverage.

Compare auto insurance online and save! Just enter your ZIP code below in our free insurance comparison tool and begin to save!

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