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Finding the Best Car Insurance Rates

Five tips to make sure you get a good price on your coverage

A primary goal in shopping for car insurance is getting the best rates. In many cases, the price you end up with is less about the insurance company and more about you: the kind of vehicle you drive, how well you drive and what you use your vehicle for. While some of these are out of your control, there are measures you can take to get the best auto insurance rates.

1. Discounts are key to getting the best auto insurance rates

When you get an auto insurance quote, request discounts for accident-free driving or for being a good student. Discounts are often available if you insure more than one vehicle or if you insure your car and your home. And if you belong to a national organization or club, additional discounts may apply.

2. Customize your quote to fit your budget

As you seek out the best car insurance rates, find out if your policy can be customized with different auto insurance coverage options that provide the coverage you need at an affordable price. Experiment with quotes that mix options, such as gap coverage, rental car reimbursement, loss of income and others, until you find the best rates.

3. Look for the best auto insurance rates long term

Nationwide offers several features to help you control your car insurance costs. With Accident Forgiveness, your rates won't go up with your first at-fault accident. You can also save money with Vanishing Deductible® a new Nationwide option that drops your deductible $100 for each year of safe driving.

4. Compare apples-to-apples for the best car insurance rates

It's important to get a quote from more than one insurance company so you're certain to get the best auto insurance rates. Be sure to make a fair comparison by selecting the same coverage levels, options, discounts and deductibles so you can make an informed decision.

5. Talk to people you know

Word of mouth is often the best referral. Talk to your family and friends about their best car insurance experiences, and find out which company they would recommend. Then, read what some people are saying about Nationwide on our customer review page.