As you compare auto insurance quotes, you might be tempted to go with the company with the cheapest rates. But price is only part of the story. If you're in an accident, you need to know your insurance company will be there to provide fast claims service – and guarantee the repair. You want a company that will lower your premium if you maintain a good driving record, and a company that will be there when you really need it.
When you compare auto insurance online, take a good look at each company's website. Use the guide below to make sure you get the protection you need at a price that's right for you.
Step 1: Look for flexible coverage options
The car you choose, and the way you use it, has a big impact on the coverages you need. Make sure your insurance company allows you to customize coverage that's right for your needs and budget. The right policy can cover you in worst-case scenarios and help you pay for medical expenses, loss of income and other situations. The more choices you have, the better.
Step 2: Find opportunities to save
Look for discounts that lower your price as you compare car insurance rates online. At Nationwide, we offer discounts for multiple cars, anti-theft devices, good students and membership in a partner organization. If you're accident-free for five years or more, you may be able to save on your Nationwide policy. Purchasing Vanishing Deductible® can reduce your deductible $100 for each year of safe driving.
Step 3: Read customer reviews
Make sure the insurance companies you evaluate show policyholder reviews on their website. You can learn a lot about an insurer by reading customers' candid comments. Nationwide ranks high in customer satisfaction. Read our customer auto insurance reviews online to get the full picture.
Step 4: Take advantage of tools and resources online to compare auto insurance
Another important factor when you compare auto insurance online is the depth of additional online resources each company provides. Nationwide offers a Vehicle Insurance Resource Center with an assortment of tools, calculators and articles to help you better understand your vehicle insurance needs.
Step 5: Compare claims services
Lastly – and perhaps most importantly – compare each to see which car insurance premiums include responsive customer service, such as Nationwide’s On Your Side® Claims Service. This service gives you a written guarantee on repairs, a wide choice of pre-screened and pre-qualified car repair shops and the unique Nationwide® AutoWatch®, which provides online updates so you always know the status of your repair.
Before you start comparing car insurance quotes online, save time by gathering basic information about yourself, your car and any other drivers you want to include on your policy, including:
- Social Security number
- Driver's license number
- Driving distance to work
- Vehicle's make, model, year and vehicle identification number (usually found on the dashboard near the windshield)
- Prior driving violations
Be sure to provide the same information to each company so that you'll have a true apples-to-apples car insurance price comparison.