How to find cheap car insurance

Cheap car insurance

Everyone wants to save money without forgoing quality. Some insurance companies focus on the bare necessities for you to drive legally — bodily injury and property damage liability with the minimum limits — along with a claims process that’s spotty at best. Rather than take a chance on that cheap car insurance company, you can get quality coverage that won’t break the bank with Nationwide.

Nationwide insurance professionals can quickly design a car insurance quote that meets your precise needs, even for those on a budget. We provide flexible coverage and billing options, allowing members to pay monthly, quarterly or semi-annually online, through the mail or over the phone. It’s important to keep long-term flexibility in mind when deciding on an insurance carrier, and to not just go with the cheapest car insurance option available.

Nationwide car insurance discounts

You can get more affordable car insurance rates on Nationwide coverage with our car insurance discounts, such as:

  • Multiple policies discount – When you carry multiple types of insurance policies from Nationwide (car insurance, home insurance, life insurance, motorcycle insurance and so on), you could qualify for lower premiums on each policy than if you had separate policies from different insurers. Think of it as a discount for bundling.
  • Good student discount – Cheap car insurance for students is possible with Nationwide.
  • SmartRide® discount – SmartRide is a tracking tool we offer to reward safe driving. Here’s where rubber truly meets the road – plug the device into your car and it will track your driving habits, such as hard braking, speed and so forth. With a steady hand at the wheel, your low-risk driving can earn you lower insurance premiums.
  • Paperless discount – You'll save money on stamps and avoid late fees if you sign up to have your Nationwide bill paid automatically at regular intervals from your checking or savings account. Some policyholders may even earn a recurring discount when they agree to receive documents electronically.

Finding affordable car insurance

Everybody wants the best value for their car insurance premium. But what makes Nationwide unique are the high-quality benefits members can get:

  • Dependable, customizable car insurance. You can choose the auto insurance policies that suit your lifestyle and budget.
  • Top-notch claims service. Nationwide Claims Service is there when you need it, 24/7. You can file a claim online or by phone.
  • An annual On Your Side® Review to ensure your coverage is meeting your needs.
  • Accident Forgiveness helps you avoid increased rates in the event of your first at-fault accident.
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While cheap car insurance may save money upfront, it’s important to consider potential risks, such as inadequate coverage, claims experience, customer service, high deductibles, and lack of features.

Inadequate coverage: Cheap policies often provide minimal coverage, leaving you vulnerable in case of accidents, theft, or damage. Insufficient coverage may result in out-of-pocket expenses.

Claims experience: Some budget insurers make the claims process cumbersome. Delayed approvals, paperwork hassles, and poor customer service can frustrate policyholders during critical times.

Customer service: Low-cost insurers may prioritize cost-cutting over customer satisfaction. When you need assistance, inadequate support can lead to stress and dissatisfaction.

High deductibles: Cheap policies often come with high deductibles. While this lowers premiums, it means you could be paying more out of pocket in the event of an accident.

Lack of features: Basic policies may lack essential features like roadside assistance, rental car coverage, or comprehensive protection. These omissions can impact your overall safety and convenience.

Nationwide offers quality coverage that meets your needs and budget.

Certain factors influence your auto insurance rates, including some things you can control:

  • The kind of car you drive – the price and style of your vehicle will impact how much your rates will be. The age of your car also matters; older cars tend to be cheaper to insure.
  • The kind of coverage you choose – If you drive an older car with high mileage, you might consider dropping collision or comprehensive coverage if you need to keep your premiums low.
  • The amount of your deductible – Higher deductibles can significantly lower car insurance premiums. While it could mean more out-of-pocket expenses in the event of an accident, it could also mean paying less over time.
  • Where you keep your car - Rates are determined to some degree by the area in which you live and park your car.
  • The number of drivers on your policy – If you add someone to your policy, your rate will increase, particularly if that "someone" is a new teen driver. Statistically teenagers have more accidents so they're more expensive to insure.
  • Your driving record – Insurance rates can sometimes increase after an accident or moving violation. The good news? You may qualify for a discount after a certain period of driving accident-free.
  • You can learn more about the factors that impact the cost of car insurance– and be sure to take them into account as you shop for coverage.

Cheap car insurance may not offer the coverage and protection you need. Car insurance is not just about the monthly cost, but being protected when life takes an unexpected turn. Nationwide offers dependable coverage with discounts that can lower your rates. Consider bundling your home and car, paying in full, or enrolling in SmartRide to earn discounts.

While low premiums may seem attractive, the risks associated with inadequate coverage can far outweigh the initial savings. Opting for the lowest-cost carrier might leave you vulnerable during critical moments — such as accidents, theft, or natural disasters—when you need reliable support the most.

Nationwide strikes a balance by offering competitive rates without sacrificing coverage quality. Our commitment to policyholders includes dependable coverage, efficient claims processing, and responsive customer service. Choosing a trustworthy insurer like Nationwide ensures peace of mind and security on the road.

Start saving money today

Yes, you can have cheap car insurance and unparalleled protection. Get a quote in minutes from Nationwide.

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 are controlling. Such terms and availability may vary by state and exclusions may apply.