Five auto insurance estimate tips that will make you smarter
There’s a lot to think about when you get an estimate for car insurance, such as price, deductibles and coverage – and there are so many companies to choose from. It’s enough to make you want to go with the first quote you get.
But don’t. Spending a little time comparing basic information can make a big difference in what you pay and how you’re treated when you have to file a claim. Here are five key ways to make the auto insurance estimate process less intimidating.
1. Get more than one car insurance estimate
When getting an auto insurance estimate, try to obtain a quote from at least three reputable insurance companies so you can compare prices and coverage. While you’re at it, check each company’s customer service record. Nationwide posts customer’s auto insurance reviews online so you can see how well our customers say we’re doing.
2. Compare apples to apples
It’s smart to shop for insurance the way you might shop for any other big purchase – by comparing features and benefits. Make a list of the coverage you need, what deductible you’d pay if you had a claim and any extra options that could make your life easier, such as Roadside Assistance.
Then as you get the estimate for your car insurance, see what kinds of discounts you are eligible for through each company. That way, you can make an apples-to-apples comparison – and the right decision for your needs.
Find out if the company offers perks such as flexible billing options, 24-hour Claims Service and annual reviews of your coverage.
3. Look online for your car insurance estimate
You can get an estimate of your car insurance costs anytime you want. Most online quote tools will ask you to provide basic information: the type of car you need to insure, who’ll be driving it, any recent accident or violations, which coverage options you would like on your policy. Nationwide’s auto insurance quote tool helps you get an online car insurance estimate in a snap.
4. Get an accurate car insurance estimate by having your information on hand
Before you get started, make sure you have the information you’ll need for an accurate quote. Most quotes will require the following for each driver and vehicle you want to insure:
- Vehicle make, model and year
- A copy of the declaration page from your current policy, if applicable
- Your driver’s license number
- Number of miles on your car and driving distance to work
- Prior driving violations and insurance claims in the last five years
5. Find as many discounts as possible
Some companies offer discounts if you insure more than one vehicle, use anti-theft devices or maintain an accident-free driving record. Discounts like these can make a significant impact to make a great policy more affordable. Find out about the discounts and savings Nationwide offers on car insurance.