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Tuesday, May 29, 2018

Find answers to your Nationwide insurance policy questions

Learn about Nationwide auto and property insurance policy documents, rates, billing and more.

How do I view my proof of insurance?

Please contact your agent, call 1-888-891-0271, access it from our mobile app or log in to Online Account Access. Proof of insurance may not be available online in every state. 

How do I verify my online payment?

  1. Log in to your account.
  2. Go to the Bills & Payments.
  3. View Billing History.

How do I view my auto insurance ID card?

  1. Log in to your account.
  2. Click ID Cards & Documents.
  3. Click View/Print ID Card under Auto Policy Details.
*ID cards are available for the past 15 months. Due to state requirements, we aren’t able to provide ID cards for members in some states, such as Delaware and New York.

How do I view my policy documents?

  1. Log in to your account.
  2. Click ID Cards & Documents.
  3. Click the document you want to view.
*Policy declarations are available for the past 15 months.

How do I pay my bill online for my auto, property, umbrella or term life insurance?

  1. Log in to your account.
  2. Click Make a Payment (if available).
*Billing statements for billing accounts and policies on a billing account can be viewed for the past 90 days. Billing statements for policies not on a billing account can be viewed for the past 13 months.

What credit cards can I use to pay my bill?

American Express, Discover, Master Card and Visa.

Can I use my savings or checking account to pay my bill online?

Yes, you can make a one-time payment or sign up for Automatic Payments using your savings or checking account.
  1. Log in to your account.
  2. Click Make a Payment.
  3. Select either checking or saving account as your payment method, then follow payment instructions. 

How do I add people to my online account?

It only takes a few minutes to add someone listed as a named insured on one of your insurance policies, such as an auto, home, renters, condo, motorcycle or RV policy. 
  1. Log in to your account.
  2. Click on Profile.
  3. Select Manage Authorized Users.
  4. Choose the people you want to add to your account.
  5. Set their level of access for your accounts.
  6. Ask them to check their email and follow the link to finalize this process.

What factors does Nationwide consider when determining my car insurance price?

Some of the factors that influence your premium include:
  • Age or driving experience
  • How your vehicle is used
  • Driving history
  • Claims history
  • Make and model of your vehicle
  • Geographic location
  • Credit history

What factors does Nationwide consider when determining my property insurance price?

Some of the factors that influence your premium include:
  • Location of risk
  • Construction
  • Age of insured
  • Age of home
  • Credit history

What factors does Nationwide consider when determining my motorcycle insurance price?

Some of the factors that influence your premium may include:
  • How your vehicle is used
  • Driving history and claims history
  • Make and model of your motorcycle
  • Modifications, customization and conversion
  • Age of driver
  • Your location
  • Security and safety features and programs

How can my credit score benefit me?

As with most insurers, we use a credit-based insurance score to predict insurance losses. Studies show that considering credit creates a more accurate insurance rate. By predicting potential losses better, we can provide a more appropriate rate. 
Our experience has been that about half of our existing members receive a rate decrease based on their credit score.

How does Nationwide determine this credit-based insurance score?

We use many factors to determine your score. Some of the more common factors are:
  • Payment history, including delinquencies or late payments
  • Length of credit history
  • Types of credit, such as credit cards and loans
When determining your score, gender, marital status, age, ethnicity, address and income are not considered.

What is an extraordinary life circumstance?

We have an extraordinary life circumstance process that applies to all states. You may qualify for reconsideration of your premium if your credit information has been directly influenced by one of the following events:
  • Catastrophic event, as declared by the federal or a state government
  • Divorce/dissolution of marriage
  • Death of a spouse, child or parent
  • Serious illness or injury, or serious illness or injury to an immediate family member
  • Temporary loss of employment for a period of three months or more, if such loss is due to involuntary unemployment
  • Military deployment overseas
  • Identity theft
  • Total or other loss that makes a home uninhabitable
For more information, talk to your agent or call 1-888-891-0271. We may ask you to provide documentation of the event and an explanation of how that event affected your credit.


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