Nationwide has been around for nearly a century, offering insurance for auto, home, business, and more. It’s the eighth-largest provider in the state, with dozens of agents to choose from in Omaha.
Best Pay-Per-Mile Insurance
Nationwide is one of the few companies in Nebraska that offer a pay-per-mile insurance plan. Its pay-per-mile program, SmartMiles, tracks how many miles you drive each month and calculates your monthly premium based on the number of miles you drive.
Here’s a plan that Nationwide advertises for a 35-year-old single male who drives fewer than 500 miles per month.
|Miles driven per month
|Total cost per month
Keep in mind that your pay-per-mile and base rates could be higher or lower based on your credit score, driving record, location, age, and other relevant factors.
Did You Know?
The average commute time in Douglas County is only 19 minutes, which is about 30 percent lower than Nebraska’s highest average commute time for employees (28 minutes). If you don’t commute long distances for work or other daily needs, you should consider a pay-per-mile plan.5
Solid Gap Insurance
Between 2021 and 2022, used-car prices increased by 33 percent in Nebraska (about $9,000).6 If you can’t afford to buy a new or used vehicle outright, you’ll need to finance or lease your vehicle, which will require gap insurance.
Gap insurance works by offering extra coverage for your vehicle if it’s totaled before you’ve paid off your loan. Your insurance will cover only what your car is worth at the time of the accident, and because cars depreciate immediately, your $35,000 car may be worth only $30,000 after a few months of driving.
Gap insurance will cover the additional $5,000 if you total your vehicle before paying off your loan.
Free Agent Consultation
You can take advantage of Nationwide’s free consultation service, “On Your Side” review. It’s a free agent consultation you can use to evaluate your policy, optimize your discounts/coverage, and ask any questions you might have. The service is available once per year, and it’s designed to help you find more affordable and better coverage through Nationwide’s policy offers.