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.
Car insurance is a type of insurance policy that efficiently takes care of expenses arising from unfortunate events, such as an accident, theft, and any third-party liability. Car insurance is the best way you can protect yourself and your car from financial emergencies, including any legal liability, resulting from physical damage, traffic collision, bodily injury caused to you, your car, or a third party. Various car-insurance-specific terms & conditions are subject to vary with legal regulations in different regions of the country.
Car insurance is mandatory so choose a plan wisely. You can now save money, get discounts and find the best deal through PolicyBazaar. Compare various plans and buy hassle-free.
- Get best plans from top Insurance providers
- Lowest premium guaranteed
- Compare and buy instantly
Car Insurance or motor insurance covers for losses that you might incur if your car gets damaged or stolen. The premium amount of your car insurance is decided on the basis of Insured Declared Value or IDV of the vehicle. If you increase the IDV, the premium rises and if you lower it, the premium reduces. It is important for any policyholder to compare various auto insurance options before going for a car insurance renewal or buying a new policy.
Key Benefits of Car Insurance
Car insurance plan offers following benefits:
- Coverage against loss or damage to the insured vehicle.
- Coverage against loss or damage to your vehicle caused by accident, theft, fire, explosion, self ignition, lightning, riots, strikes or act of terrorism, natural calamities.
- Coverage against financial liability caused by injury/death of a third party or damage to the property.
- Personal accident cover.
Best Car Insurance Companies with Claim Settlement Ratio 2018
Why is it necessary to Compare Auto Insurance Policies?
It is necessary to compare the auto insurance policies as it can save a substantial amount of money and give you better coverage options. However, comparing the policies manually can be a daunting task. Policy Bazaar makes it fairly easy for you. When you compare quotes here you can save upto 55% on auto insurance premiums along with getting add-ons like riders and benefits on your plan. Make an informed purchase. Compare online and know your auto insurance plan properly before buying.
Shortlist the Requirement for Your Coverage: Before digging into comparing different auto insurance plans, ascertain the kind of coverage you need. A liability policy is inexpensive than the comprehensive auto insurance policy but only if you are ready to compromise on some benefits because the facilities offered by the later is the best undoubtedly.
Compared the coverage Option: The coverage offered in liability policy differs from the comprehensive policy. While liability plan only covers third party liability, the comprehensive one covers you for the damages to the vehicle and the owner which is called as Personal Accident Cover. The limit varies from plans to plan. Moreover, additional add-on benefits are also offered by some auto insurance plans. So, it is necessary to check and compare this trait to decide the personal accidental cover along with the additional coverage, if any under the same auto insurance plan.
Compare the Insured Declare Value: The varied rate of IDV’s reflects different rates of premiums. Insured Declared Value, abbreviated as IDV, is the current value of the car after being adjusted for appropriate reduction. The rate of depreciation depends on the age of your car. Older the car, higher would be the depreciation and lowered would be your IDV. And it affects the Sum Assured. Hence, compare the IDV quoted offered by different car insurance plans is a must.
Compare Insurer’s Claim Settlement Practice: Claim settlement is the most crucial part of an insurance policy. Every buyer expects a hassle free claim process and easiness of any car insurance policy which he is planning to invest in. Each insurance company has its own procedure. Hereby, it is essential to compare the claim settlement process of each auto insurance plan which is in your preference list to find out which type of rules best suits you and would enable a faster claim settlement.
Coverage under Car Insurance
There are primarily 3 types of Car Insurance –
Third Party Liability Coverage
Third Party car insurance provides cover against any legal liability to a third party caused when you are at-fault driver. It covers damage/injury caused by you to another person/property. A Third Party Liability cover is legally mandatory in India under the Motor Vehicles Act.
Collision coverage protects the insured financially against damage of their own car. It pays the insured for damage caused by collision which is usually an accident. Damage or loss due to theft or vandalism is not included in collision coverage.
A comprehensive coverage is extensive and includes damage of car, theft of vehicle, third party legal liability and personal accident cover. The policy coverage can be further extended by opting for add-ons like accessories cover, engine protector, zero depreciation cover, medical expenses, etc. This type of coverage is the most popular as it offers end-to-end coverage and thus less stress for the policyholder.
Customize Your Auto Insurance Policy with Additional Coverage
No Claim Bonus
For every claim free year, the insured is rewarded with discount on the renewal premium. This discount is called – No Claim Bonus (NCB). It is cumulative and increases, every year. It usually ranges from 10% to 50% and can save a substantial amount of money on the premium payable for your auto insurance. Let’s take an example, if a policyholder doesn’t make a claim during the tenure of his auto insurance policy, he becomes eligible for No Claim Bonus, on the basis of which, a certain rebate is offered on the payable premium.
Personal Accident Riders
Personal Accident Rider is an optional add-on benefit that can be added to the comprehensive auto insurance by paying an extra premium. This rider provides the policyholder with the coverage of medical expenses due to a damage, personal injury or disability caused due to an accident.
Cover for Car Accessories
By simply opting for separate add-on policy, you can avail the coverage for your car accessories, which a normal car insurance policy may not cover. Such additions may increase the premium, but it is always beneficial and cost-effective rather fitting a new car accessory.
Save Through Paying High Deductibles
A policyholder can save by paying higher deductibles. At the time of filing a claim, if you choose to pay higher deductibles against your claim, your auto insurance provider manages to give you some discount on premium later on.
What is not covered in Car Insurance?
Following features are usually not covered in car insurance:
- Loss or damage if a policy is not in force.
- Gradual wear and tear of car and its parts.
- Loss or damage to vehicle when driven by person without a valid driving license.
- Loss or damage to vehicle as a result of intoxication due to drugs, alcohol etc.
- Loss or damage to engine as a result of oil leakage.
- Loss or damage to vehicle as a result of abuse of car manufacturer’s guidelines.
Eligibility/Documentation Required for Car Insurance
Getting a car insured requires minimal documentation. For a new policy, you must submit the filled up proposal form and copy of the Registration Certificate (RC). For renewals, you will need copy of the RC (Registration Certificate) along with the copy of previous insurance policy.
Carefully fill in your complete details. This is an important step and will save you a lot of hassle during claim time.
How to Compare Online on PolicyBazaar?
On PolicyBazaar you have to fill a few simple details like make of the car, model, variant, year of manufacture, etc. You will then get quotes from various insurance providers. To get better discounts you must fill the form carefully. This way you will get customized quotes, one which saves money (upto 55%) on premiums and is also the best fit as per your needs.
You must be familiar with the following terms while filling the form:
Car Make, Model and Variant
This information is critical to calculate base premium. Luxurious, powerful and expensive car will attract more premiums. For e.g. a SUV car will always have a higher premium than a family car.
Year of Manufacture
The manufacture year of your car lets the insurance company assess its Insured Declared Value (IDV) that facilitates the underwriter to decide the annual premium for your car.
CNG Fitted Car
Being more vulnerable to combustion, a CNG fitted car is usually insured at a slightly higher premium than a plain petrol/diesel car.
You need to mention whether you do or do not want to get a cover on electrical and non-electrical accessories fitted in your car. Most insurers provide a cover for your car accessories at an additional premium of 4% on its value.
Process Steps for Acquiring a New Four Wheeler Insurance Policy:
Step 1: Log in to www.policybazaar.com and click on the product icon.
Step 2: If you want a fresh comparison of four wheeler insurance plans, click on ‘Begin your comparison’. In case you have searched before, you can retrieve your previous searches and continue from where you left off by clicking on ‘Get previous searches’.
Step 3: Before you start the comparison, keep a few details handy such as the city of your car’s registration, make and model, fuel type, and the car’s variant.
Step 4: To get new insurance quotes, key in all the above-mentioned details in the form and click on the ‘Next’ button.
Step 5: On the next page, fill in your personal information such as your full name, email address, and mobile number. Click on ‘View Quotes’ to proceed.
Step 6: In the quotes section, you’ll have a list of different auto insurers with discounted price, add-ons, and final price. You can view each plan details and compare it with other plans well.
Step 7: To get a discount on the premium, click on the ‘Get Discount’ button on the left side of the page. After clicking the button, a form will appear where you have to fill in your details. After completing the form, click on ‘Apply Discount’.
Step 8: Click on ‘Select add-ons’ to tick the list of added extras in your car such as 24*7 roadside assistance, No claim Bonus (NCB) protector, engine protector, key and lock replacement, and consumables.
Step 9: If you want to include passengers under the plan, click on ‘Passenger/driver cover’.
Step 10: To find the nearby motor garage, click on the ‘Garage locator’ on the bottom left of the page.
Fill in these details carefully then sit back and relax for a while. You will be presented with a list of insurance plans that suits your requirement at best possible rates.
Get Discounts, Save Money, Buy Smart
A smart customer is in a constant hunt for discounts which will reduce the burden on his pocket. If you are one among them then here are a few tips that will help you get discount and save money on premium value of your car insurance.
Voluntary deductible is the minimum amount that you declare to bear at the time of claim. The higher deductible you opt for, the lower will be your premium. Simply put it means that the financial burden on the insurance provider is less and you will also chip in when an accident or car damage happens.
In case your car is fitted with an ARAI approved anti theft device, your insurer will offer additional discount (2.5% on the OD Premium). This discount is provided for the simple reason that an anti-theft device will make your car less liable to theft.
Members of the Automobile Association and some Professionals (Defense Personnel, Doctors and Govt. Employees) are entitled to get additional discount on their premium. So, never miss out to mention the same while searching for a quote.
While getting quotes for your vehicle at Policy Bazaar, you might see for yourself how changing even minor details make a huge difference to the final calculated premium. For example, take the case of Dr. Gupta. He’s a doctor by profession and needs car insurance for his brand new Renault Duster. His car is fitted with an ARAI approved anti-theft kit. While getting a car insurance quote, he neither mentions his profession nor the fact that his car is fitted with an anti-theft kit. Thus he ends up paying a higher premium. On the contrary, if he did mention about these then, needless to say, his premium could have been lower by 25%.
Always fill in your correct and complete details while getting comparative Quotes from Policy Bazaar.
Buy and compare car insurance quotes online easily here at PolicyBazaar. Whether you want to buy a new policy for your car or renew your policy, get it right here in a few clicks.
Looking for car insurance comparison? PolicyBazaar provides you an innovative interface to compare car insurance policies by best car insurers in India. Check out details on each insurer and select the one that suits your needs.
Talk to an expert
Talk to an expert
Why Bajaj Allianz Car Insurance?
With a constant increase in the number of cars on the road, it gets very tough to protect your car from unwanted mishaps. High repair costs, coupled with the cost of spare parts, can definitely pinch your pockets, which is why it is essential to have a good Car Insurance or a Package Motor Insurance policy. Bajaj Allianz offers car insurance with a range of covers to choose from.
With Bajaj Allianz’s innovative and all-round insurance plans and easy vehicle insurance renewals, you get covered with regards to all aspects that an ideal Car Insurance policy should have. On the basis of the plans you opt for, you secure yourself against road accidents, theft, among others along with which you can get cashless settlement at network garages and a lot more! You also get to choose add-on covers of your choice with your Car Insurance policy and with our 24×7 Roadside Assistance facility, help is just a phone call away.
Note: This policy is applicable only for private cars.
Why Car Insurance?
Key Benefits of Bajaj Allianz Car Insurance
- Avail 24×7 call assistance and SMS updates for claims support, even on holidays
- Transfer up to 50% of your existing No Claim Bonus (NCB) from any other car insurance provider
- Cashless claim settlement at over 4000 preferred garages across the country, bringing to you high service standards
- Receive 75% on account payment facility based on requirement and when liability is above a certain limit
- Avail 24×7 Roadside Assistance with your Car Insurance policy
- Get a vehicle tracking and monitoring device with DriveSmart Telematics Service and a host of add-on covers included in it
- Towing Facility in the event of a vehicle breakdown or an accident
- Zero Depreciation Cover can be availed as an add-on cover with Car Insurance
Note: This premium quote considers the full NCB (No Claim Bonus) and system generated IDV. It is valid only for policies bought online
Coverages of our Car Insurance policy
Loss or damage to your car due to natural calamities
Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide and rockslide.
Loss or damage to your car against man-made calamities
Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.
Personal Accident Cover
Coverage of Rs. 2 lakh for the owner-driver of the vehicle while driving or travelling and mounting or dismounting from the Four-wheeler. Optional personal accident covers for Passenger/ Paid Driver/ driver/ Insured are also available
Protection against legal liability due to accidental damages caused to the surrounding property and/ or resulting in permanent injury or death of a person.
Car Insurance Add-on Packages
Add on Covers with your Motor Insurance/Car Insurance policy
A Motor Insurance/Car Insurance policy is only complete once it exceeds the satisfaction of providing security and peace of mind, which is why we have introduced add-on covers that will be of use any time you are in a crisis situation.
- 24×7 Spot Assistance
This is a Pan-India cover for car insurance policyholders who need assistance while on the road. This includes providing service for emergencies such as repair of flat tyre, jump start for car battery, legal advice in case of an accident and many more.
- Lock and key replacement cover
In the event of an irrecoverable loss of keys or a security risk arising out of a loss of the same, you will be indemnified for the cost incurred in fitting or purchasing new locks or replacement of keys of the insured vehicle
- Accident Shield
Compensations will be made for total permanent disability or death of occupants (other than a paid driver), which arises out of bodily injury due to an accident that takes place while they are traveling in the insured car
- Consumable Expenses
Cost of consumables such as Engine oil, Gear box oil, Power steering oil, coolant, AC gas oil, Brake oil, etc. that may be incurred while replacing/replenishing the damaged vehicle, following an accident, will be covered by our Car Insurance/Motor insurance policy
- Conveyance benefit
If the insured car is in a workshop following accidental damage and the claim for the same is accepted, the insured would get a ‘per day’ cash benefit, as per the plan opted by the insured
- Personal baggage
The Insured is indemnified in case of any loss or damage caused to his/her personal baggage kept in their insured vehicle. Damage caused by the covered perils is covered in under Bajaj Allianz’s Motor Insurance/Car Insurance policy
Car Insurance Top-up covers
This slideshare has been viewed “1,682,453” times,
Toll free number for Roadside Assistance
Toll free number for Roadside Assistance
What is Bajaj Allianz DriveSmart service?
Bajaj Allianz is the first to introduce a unique vehicle tracking system in India to its customers, called the DriveSmart Telematics Device. This comes with our Motor Insurance/Car Insurance policy and helps in keeping in check one’s driving pattern and behavior, as well as monitoring the condition of their car’s engine and battery. Apart from that, it also helps in tracking and locating the vehicle, ensuring complete safety for you and your family.
The benefits of opting for DriveSmart with your Car Insurance policy
When you purchase a Vehicle Insurance with us, you get to avail several additional benefits when you opt for our DriveSmart service with it, such as:
- Complete diagnosis of the vehicle: This will help you check the condition of your car’s battery and engine
- Tracking your vehicle: You get to see the last location of your car on a map as well as the location and navigation details of your car. You can also share the location of your car with your friends and family via Whatsapp, SMS and email
- Monitoring driving patterns: It provides you with a summary of distance travelled in a day, longest trip taken, highest speed reached, braking pattern, speed variance and much more
- Customization: It allows you to create custom trips and see it on a map, and shares interesting statistics about the route and lets you share your car trips on social media
- Set and receive important alerts for your car: The device notifies you on over speeding, unauthorized movement of the car or low battery. It sends alerts on PUC date, servicing date, driving license expiry of your car as well.
- Help and support: You can ask an automobile expert regarding any car related query through the DriveSmart Telematics Device
Available Best Car Insurance Plans
- Premium Cost
- Own Damage Premium
- Basic Third Party Liability
- PA-Cover for Owner/Driver
- Coverage for Electrical accessories
- Coverage for Non-Electrical accessories
- PA-Cover for co-passenger
- CNG Kit Coverage
- Driver Cover
- NCB Discount
- Voluntary Deductible – Save Premium
- Depreciation Shield
- Engine Protector
- 24/7 Roadside Assistance
- BEST VALUE
- FLEXIBLE PLAN
Exclusions you should know about in your Motor Insurance Policy
- Normal wear and tear and general ageing of the insured vehicle
- Depreciation or any consequential loss
- Mechanical/electrical breakdown
- Wear and tear of consumables like tyres and tubes unless the vehicle is damaged at the same time, in which case the liability of the company shall be limited to 50% of the cost of replacing the damaged part
- Vehicle used otherwise than limitations as to use
- Damage by a person driving any vehicle without a valid license
- Damage by a person driving the vehicle under the influence of drugs or liquor
- Loss/damage due to war, mutiny or nuclear risk
To know more about exclusions in our Car Insurance in India, please refer to the brochure in the tools section above.
Car Insurance Claim Process
Whether your car has a minor accident or a major breakdown, you would prefer to go for a short and easy Vehicle Insurance claim process rather than a lengthy one; which is why we have minimized it into three simple steps:
Register your claim with us
You would need to register a claim as soon as possible following the accident/theft of your car. You can do this online by visiting the page here or over the phone by dialing our Toll free number – 1800-209-5858, post which you will be connected to our customer care executive who will guide you through the entire Car Insurance claim process.
Please keep the following information handy while registering a claim:
- Engine and Chassis Number
- Accident date and time
- Description and location of the accident
- Car inspection address
- Km. reading
- Police complaint, in case of theft
Please note that in case of theft, you would need to file a police complaint as soon as possible, so that when you are registering a claim with us you are able to produce the same, along with the other documents.
Send your car for repair, if applicable
Whether your car is vandalized, meets with a collision, or gets damaged by some peril, you would need to take it to the garage, if it is in a movable condition, or have it towed there to avoid any further damage.
Final step for claim settlement
You will have to submit the copies of all the required documents to the garage/dealer who is helping you with your Vehicle Insurance claim and get them verified with the originals. Following which, we will make the payment for the repair directly to the network garage once it is ready to be sent back to you. Do note that you will have to pay the excess amount according to the norms mentioned in your policy that include depreciation amount, salvage etc. which will be informed to you by our surveyor.
If the loss is not so severe, we suggest that you avail the spot settlement of Car Insurance claims through Bajaj Allianz Mobile settlement service.