Coverages, Eligibility & Discounts

Check below to see if you qualify for products, discounts and coverages.

We believe in being transparent with our coverages and eligibility. We always want our clients to understand this overly complicated world of insurance and to rest assured that we are getting them all the discounts available from our carriers. If you have any questions about the below eligibility, discounts and coverages please ask us directly.

Quote eligibility

Look back for all losses is 5 yrs., 3 yrs. sur-chargeable.
Policies should include all household residents old enough to drive as opposed to only resident relatives, and should also include the vehicle owner. Regular vehicle operators who live elsewhere will still need to be listed as rated or excluded (e.g., college students temporarily living away from home). IMPORTANT: Progressive has updated its policy contract so that Collision coverage may be excluded when an unlisted driver has been a resident or houseguest for at least 185 days.
Drivers can be excluded, but spouses cannot. Exclusion availability may vary by state.
International driver’s license is acceptable.
Minor violation Forgiveness.
First accident forgiveness.
First violation forgiveness.
Vanishing Deductible – $100 per year
Up to 12 vehicles and 12 drivers may be listed on a single policy.
Cannot bind a named insured or any driver who has never been licensed or has a permanently revoked license, unless he or she is excluded from coverage.
New Car Replacement – Total Loss within first 5 yrs.
1. In the first two years, compensated for value of brand-new car, no depreciation.
2. After 2 yrs, customer compensated for the value of similar vehicle without wear and tear.
3. OEM parts for vehicles less than 11 years old
One deductible for auto and property – same occurrence
No vehicles leased or rented to others by the applicant.
No vehicles that are regularly available to non-listed drivers.
No low-speed vehicles that have a top speed of 55 mph or less (may be eligible for recreational vehicle coverage.)

Optional coverages.

Drivers that do not need an SR22 filing may be excluded. There is a charge for the exclusion. Accidents or violations for the excluded driver do not affect the rate.
Roadside Assistance

a.Towing
Battery
Fluid service
Lockout
Minor mechanical service

Excluded spouses must sign the exclusion. *
Unlicensed operators are considered for rating unless excluded.
Gap Coverage- New or Used Vehicles, payout up to 25%
Pet Injury Coverage- Complimentary with Collision – $1,000 limit
Ridesharing is available for Uber or Lyft
* Exclusion availability for both named insureds or other drivers in the household varies by state.

Unavailable car insurance quotes

Policies with more than one (1) Business, Commercial Ridesharing or Artisan Use vehicle
Policies listing vehicles from more than one (1) household (this does not apply to acceptable student/military personnel).
Policies where Estates, Receiverships, Corporations or Partnerships are listed as the named insured.
Policies where the named insured is not the owner, related to the owner, or the operator of a vehicle on the policy.
Policies financed through an outside premium finance company

Non-insurable operators

Policies where an operator has a permanently revoked license, unless that operator is excluded from coverage.
Applicants who have been convicted of insurance fraud.
Persons employed in illegal enterprises and occupations.
Persons employed in occupations involving the use of an insured vehicle by non-resident or non-dependent operators.
Persons who have had a policy canceled by the Company for loss experience or misrepresentation.
Any application with a driver who is nationally or locally known to a large segment of the population (e.g., celebrity, entertainer)
Operators who do not have a foreign drivers license or a valid U.S. driver’s license.
Operators without a permanent telephone number where they can be reached.
Persons convicted of a felony involving the use of a vehicle which was material to the felony conviction

Non-insurable vehicles

Vehicles with a current retail value over $125,000 are unacceptable.
Vehicles with an unverifiable garaging address.
Vehicles used for racing
Vehicles leased or rented to other drivers by the applicant.
Any vehicles that are regularly available to non-listed driver(s) other than resident relatives.
Pickups or vans with a gross vehicle weight rating (GVWR) greater than 14,000 pounds such as the Ford 450 and higher models, Chevrolet 4500 and higher models, GMC 4500 and higher models and other similar models from other Makes, regardless of load capacity or gross vehicle weight, are unacceptable for any type of vehicle usage.
Dune buggies and kit cars.
Vehicles used commercially.
Vehicles used commercially for retail or wholesale delivery of products, including, but not limited to: magazines, newspapers, mail, pizza, farm animals, produce.
Commercial vehicle types such as Step, Panel, Cutaway Vans, Dump Trucks and Wide Load Escort Vehicles.
Vehicles used as a limousine or taxi service or other livery service.
Vehicles with an incomplete chassis.
Salvaged Vehicles.
Vehicles used in Commercial Rideshare Programs, unless the optional buyback provision is purchased.

Discounts available for car insurance applicants

Snapshot: Discount up to 10%, reviewed for 6 months.
1. Discount Applies at renewal.
2. Three out of 4 customers earn a discount.
3. Plug-in and mobile app available.
4. Mobile app users must drive at least 300 miles per month.
5. All eligible-to-be-rated drivers must enroll in Snapshot. If using the plug-in, all eligible vehicles must enroll in Snapshot. (New Rating Platform States Only)
Education and Occupation
Minor Children Discount: Under 19, licensed and on the policy.
Good Student – Under age 23, full time student. Must submit grades annually.
Advanced quote discount 1-8 days out. The more in advance the bigger the discount. Rolling discount will dissolve in 5 years.
Multi-policy discount – Remains for 45 days. If the second policy is not submitted in 45 days, the discount is removed at inception.
Intelladrive – 5 % signup discount (removed at first renewal). Low mileage discount opportunity given at renewal. Insureds use the app for 90 days, record trips for 45 days out of 90. Each trip can be changed or deleted within 10 days. Discount up to 20% will be applied at renewal, depending on driving record.
1. Drivers can be enrolled individually.
2. Discount comes off if app is not downloaded by day 51.
3. They have 45 days to withdraw.
4. 5 stars will keep the same level of discount for renewal.
5. Speed not counted against them unless traveling over 80 mph.
6. 0 stars = surcharge
Intellidrive Plus – AR, NE, OH
1. Target Audience – Safe drivers who are comfortable using their smartphone and apps, and drive fewer miles than the average driver and/or desire the opportunity to continuously improve their driving and savings
2. Program Period and Overview – IntellidrivePlus is a continuous driving program that uses a smartphone app to capture driving behavior and miles driven and adjusts a customer’s car insurance premium every policy term based on how and how much they drive (Intellidrive , by contrast, only monitors driving habits for 90 days.)
3. Enrollment Discount – Up to 12%
4. Savings/Surcharge: Mileage – Additional savings potential for customers who drive fewer miles than their prior term and for low-mileage drivers whose mileage was not verified at new business
Advance quote discount for bundling Auto and Home
Hybrid/Electric Vehicle Discount
Continuous Insurance Discount
Smartride: Up to 40% off, 10% given up front and final discount set at customer’s renewal. Discount is good for the time that the vehicle is owned. NO surcharge for participation. (Not available in all states) Clients can select to enroll via an app on their phone, or with a plug-in device in their car.
SmartMiles – Smart Miles is a pay-per-mile auto insurance program designed to save low mileage drivers money. Unlike traditional auto insurance, the monthly payment varies based on the number of miles driven.
SmartMiles and SmartRide can both be added to separate vehicles on the same policy if the member is enrolling in the Device Program for SmartRide. If the member would like to enroll in the SmartRide Mobile Program, then none of the vehicles would be eligible for SmartMiles.
New vehicle discounts
Paperless Policy Discount guarantees a 5%* recurring discount for customers.
Advanced Quote
Affinity discounts – Availability varies by state. Customers who notify Nationwide that they are a member of a Nationwide Affinity Group must sign and return the Affinity Verification document. This must be completed within 30 days of the policy transaction date to keep the Affinity discount on their auto policy.
Smart Miles
The Encompass Telematics Program*
1. Improves driving experience by creating awareness of distracted driving habits and encouraging safer ones. 88% of enrolled drivers found it helpful in understanding their driving behavior.
2. Free app tracks every trip and uses limited battery life.
3. Generates an overall score based on braking habits, time of day of trip, phone handling and speed.
4. 5% Connected Driver Discount for participation.
5. No surcharge for poor habits.
Preferred Protection – 100/300 or better prior ins, owns a home, more than 1 car
Early Quote – 7 days prior max disc
Accident/Violation free – 5 years
All new policies get a good payer disc as long as they never get a non-pay cancel notice
Easy Pay Discount – for EFT
Full Pay – may be added with Easy Pay for max payment discounts
Company car counted toward discounts and rating factors.
Student Discounts
1. Good Student (3.0 GPA)
2. Driver Training
3. Resident Student – Away at school 100 miles without a vehicle