Buying auto insurance doesn't have to be intimidating. There are many
options to help you tailor your policy to your needs – and your budget.
Armed with some basic information, you can make smarter insurance
decisions. These car insurance tips can help you narrow your choices and
save time and money.
1. Make sure you're legally covered
Car
insurance requirements vary from state to state, but one thing is the
same virtually everywhere in the U.S. – if you drive a car, you're
required to have some form of car insurance or proof of financial
responsibility. Several factors, including your driving record and
insurance history, may affect your policy rates. Start here to find the minimum requirements for your state.
2. Understand your insurance options
Insurance can seem complicated with so many choices available to protect you and your car. Nationwide offers easy-to-read descriptions of various insurance coverages
so you can understand the basics, such as the difference between
collision and comprehensive, before you call an agent or get a quote
online.
3. Get at least three quotes
Compare price and
service options by getting quotes from at least three insurance
companies. Make sure you request the same coverage from each to get an
apples-to-apples comparison. Rates may vary from one company to another,
and the lowest priced insurance may not give you all the coverage you
need. Look at price, amount of coverage, benefits and claims services
before you make your decision.
4. Take advantage of discounts
You
might be surprised by the number of discounts available to lower your
for auto insurance rates. For example, if you insure multiple vehicles
with Nationwide or stay with us for at least five years, you may receive
substantial savings. Be sure to ask about these and other auto insurance discounts when you shop for a policy.
5. Look for extra help when you need it
Nationwide offers extra products and services for purchase to give the drivers in your family even more protection.
- Accident Forgiveness –With
this optional coverage, Nationwide will not raise your auto insurance
rates following your first at-fault automobile accident.
- Roadside Assistance – Nationwide Roadside Assistance coverage
is available in two different levels, Basic and Plus, so you can choose
the one that works best with your budget. Get covered for fuel
delivery, lockout service, jump-starts and more.
- Loss of use –
If you can’t drive your car due to a covered loss, this coverage helps
pay for a rental car or other transportation expenses so you can get
back on the road.
Comments