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Recommended Auto Insurance Coverage Limits
for vehicles up to 10 years old
|
Auto only
Bodily Injury & Property Damage $100/300/100 Medical Payments $5,000 Uninsured / Under-Insured Motorist $100/300 UM Collision Deductible Waiver Include Comprehensive Deductible $1,000 Collision Deductible $1,000 Roadside Assistance Include Rental Reimbursement $50/day |
Auto + Home
Bodily Injury & Property Damage $250/500/100 Medical Payments $5,000 Uninsured / Under-Insured Motorist $250/500 UM Collision Deductible Waiver Include Comprehensive Deductible $1,000 Collision Deductible $1,000 Roadside Assistance Include Rental Reimbursement $50/day |
Auto + Home + Umbrella
Bodily Injury & Property Damage $500/500/100 Medical Payments $5,000 Uninsured / Under-Insured Motorist $500/500 UM Collision Deductible Waiver Include Comprehensive Deductible $1,000 Collision Deductible $1,000 Roadside Assistance Include Rental Reimbursement $50/day |
Auto Insurance
Core Coverages: Liability, Property Damage, Medical Payments, Uninsured Motorist, Under-Insured Motorist, Uninsured Motorist Property Damage, Uninsured Motorist Collision Deductible Waiver, Comprehensive, Collision, Towing and Rental Reimbursement.
Coverages to Consider: Glass Coverage without a Deductible, Roadside Assistance, Special Physical Damage, Loan / Lease Gap, Total Loss Deductible Waiver and New Car Replacement.
Available Discounts:
Multi-Car
Multi-Policy (Home & Auto)
New Vehicle
Occupational Discount (Includes College Graduates and select occupations)
Loyalty
Driver's Training Course (New Drivers)
Good Student (3.0 GPA or better)
Student Away at School (over 100 miles away without a car).
Mature Driver Improvement Course (Age 55+)
Elite Driver (No Tickets/Accidents within the last 5 years)
Good Driver (No Tickets/Accidents within the last 3 years)
Anti-Theft Devices
SmartRide (5-15% discount based on verified annual mileage)
SmartMiles (pay-per-mile)
We're pleased to introduce our latest discount called SmartRide. Ask for SmartRide and get an immediate 5% discount on each of your cars on your policy. This discount could blossom into a savings of 15% per vehicle with low mileage. Essentially, we'll send you a device that plugs into the steering column of your vehicle. Ride around with it for about 4 months and then Nationwide will send you a mailing label asking for it back. This is all free of charge, of course. The device monitors your mileage only. It is not a GPS. Using the device means that you'll never have to report your mileage again to Nationwide unless you get a new car or remove the old car. Get started on SmartRide today.
Recommendations: Package your home and auto insurance together with Shorr Agency. You'll get a substantial discount off of each policy.
Additionally, homeowners should consider raising your liability and uninsured/underinsured policy limits to at least 100/300/100 and 100/300. Higher limits are recommended. If you're involved in an at-fault accident and the claim exceeds your policy limits, then it's possible that your personal assets, including your home, could be the next place that the other party looks for compensation.
Moreover, if your car is 10 years old or older and you have comprehensive and collision coverage, then perhaps its time to consider removing these two coverages. Why? Over time, your vehicle depreciates. Eventually, it's possible, that what you're paying in premium on comprehensive and collision could amount to the depreciated value of the car or truck. At this point, it might not make sense to have the coverage. However, if you decide to delete these two coverages, then we recommend that Uninsured Motorist Property Damage Coverage is added. It's a very inexpensive coverage that will protect your car up to $3,500. This means that in the event that you're hit by an uninsured motorist, the insurance company will pay up to $3,500 to repair your vehicle.
Recommendations: Package your home and auto insurance together with Shorr Agency. You'll get a substantial discount off of each policy.
Additionally, homeowners should consider raising your liability and uninsured/underinsured policy limits to at least 100/300/100 and 100/300. Higher limits are recommended. If you're involved in an at-fault accident and the claim exceeds your policy limits, then it's possible that your personal assets, including your home, could be the next place that the other party looks for compensation.
Moreover, if your car is 10 years old or older and you have comprehensive and collision coverage, then perhaps its time to consider removing these two coverages. Why? Over time, your vehicle depreciates. Eventually, it's possible, that what you're paying in premium on comprehensive and collision could amount to the depreciated value of the car or truck. At this point, it might not make sense to have the coverage. However, if you decide to delete these two coverages, then we recommend that Uninsured Motorist Property Damage Coverage is added. It's a very inexpensive coverage that will protect your car up to $3,500. This means that in the event that you're hit by an uninsured motorist, the insurance company will pay up to $3,500 to repair your vehicle.
Update my vehicle mileage:
Be sure to update your annual mileage on your vehicles with Nationwide Insurance. We want to make sure that we have the most current information for accurate rating.
You may confirm/update your vehicle mileage by calling 1-866-351-9598. Representatives are available 6am-8pm (Mon-Fri) or 6am-2pm (Sat) PST. Be sure to have your policy number ready.
Learn more about what your coverages do for you in your auto policy.
Be sure to update your annual mileage on your vehicles with Nationwide Insurance. We want to make sure that we have the most current information for accurate rating.
You may confirm/update your vehicle mileage by calling 1-866-351-9598. Representatives are available 6am-8pm (Mon-Fri) or 6am-2pm (Sat) PST. Be sure to have your policy number ready.
Learn more about what your coverages do for you in your auto policy.
