What can I do to get a lower Nationwide insurance quote?

Keep a clean driving record, maintain a good credit score, and bundle policies to unlock multi-policy discounts.

Does my ZIP code really affect my price that much?

Yes. Location-based risks such as crime, weather, and repair costs play a major role in determining premiums.

Will shopping around with other companies help?

Yes. Comparing quotes from Nationwide, Geico, and others helps identify which insurer offers the best rate for your risk profile.

What Affects Your Nationwide Quote Price?

When you ask Nationwide for a quote, many small details combine to set your final price. Knowing what affects your quote helps you make smart moves to lower it. Insurers look at your personal info, vehicle, and property to decide how much risk you carry.

To see what shapes your cost, start your Nationwide quote online and find out which factors have the biggest impact.

Nationwide Auto & Home Quote Factors

Nationwide’s quote system uses your data and local trends to build a fair rate. Each piece of information—like ZIP code, claims, or vehicle type—changes the price a little. Let’s look at what matters most for auto and home insurance.

Get Auto Insurance Quotes

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See how your home and location affect your Nationwide quote.

Main Factors for Auto Insurance

Nationwide reviews your driving record, claims, and any tickets. Safe drivers usually pay less, while accidents or violations can raise rates. The car you drive also matters—sports and luxury models often cost more to insure.

Age, marital status, and (in most states) credit score can also affect your price. Drivers with strong credit and steady payment history usually get better deals.

Main Factors for Home Insurance

Your home’s age, materials, and safety features all influence cost. Newer roofs, wiring, and plumbing reduce risk. Older homes that haven’t been updated can cost more to insure. The home’s size, build quality, and alarms also play a role.

Location is just as important. Nationwide looks at local weather, fire services, and neighborhood safety. Homes near coasts, flood zones, or windy areas often need extra coverage or higher deductibles.

How to Lower Your Nationwide Quote

You can’t control every factor, but you can manage many of them. Keep your driving record clean, maintain good credit, and bundle home and auto insurance. Adding security systems or anti-theft devices can cut costs even more.

Nationwide’s quote tool lets you adjust deductibles and coverage instantly. Try different levels to see how much you can save. Often, a slightly higher deductible can noticeably lower your premium.

Want to compare? Check how Geico calculates insurance quotes to see how other companies set prices. Comparing helps you find the best balance between cost and coverage.

Tip: Join programs like SmartRide® or bundle several Nationwide policies to keep your price low long-term.

Frequently Asked Questions

Quick answers to common questions about Nationwide pricing:

How can I get a lower Nationwide quote?

Drive safely, keep good credit, and bundle your home and auto policies for extra discounts.

Does my ZIP code really change my price?

Yes. Local risks like weather, theft, and repair costs vary by area and can affect your rate.

Should I compare Nationwide with other insurers?

Absolutely. Comparing companies like Geico and Progressive helps you find who offers the best rate for your situation.

Bottom line: understanding what shapes your Nationwide quote puts you in control. Update your info, apply discounts, and adjust coverage to get the best possible rate.