Auto Insurance

Get great service and great coverage at a great price with affordable car insurance from Nationwide. Start saving today with auto insurance discounts that meet your needs, life and budget.
Home owners and car insurance discount

Combine and save. Get a discount on your auto insurance policy when you insure your home, condo or apartment with Nationwide.
Multi-car insurance discount

Insure more than one vehicle with Nationwide and save up to 20 percent.
Accident-free car insurance discount

Save up to 10 percent if you have at least 5 years of driving experience and have been free of chargeable accidents for the last 5 years.
Good Student car insurance discount

Get up to a 15 percent discount on your auto insurance when your teen earns a B average or above on their report card.
Life and car insurance discount

Save up to 5% on your auto insurance policy when you purchase life insurance from Nationwide.
Long-term policyholder car insurance discount

Save up to 15 percent on your auto insurance if you are insured with Nationwide for at least 5 years. Save up to 5 percent if you are insured with Nationwide for at least 3 years.
Affinity car insurance discount

Save up to 3 percent on auto insurance if you are a member of a qualifying organization.
Anti-theft car insurance discount

Save when you install an anti-theft device in your vehicle. Savings vary based on the device installed and the state where you garage your vehicle.
Passive occupant restraint car insurance discount

Save when you insure a vehicle with full front-seat airbags or restraint devices that work automatically when your door closes.
Accident prevention or defensive driver car insurance discount

Save when you successfully completed a motor vehicle accident prevention course approved by your state’s Department of Motor Vehicles.
Farm Bureau Member Discount

Substantial savings for members in select states including California, Connecticut, Delaware, Maryland, Ohio, Pennsylvania, Vermont and West Virginia.

*The availability, amount and eligibility for auto insurance discounts may vary by state

Safest 2008 Luxury Cars

Luxury automakers are quick to install the latest gadgets in their newest models. Most, like parking assist and advanced climate-control systems, are expensive gizmos there for the enjoyment of the passenger.

Others, like electronic stability control (ESC), can save lives.

That's what drivers of the Audi A6 will find in the 2008 model. Equipped with a remote-control trunk and Bose sound system as standard features, the $46,006 A6 also comes standard with ESC.

That's a good thing, since some are calling ESC the most revolutionary automotive safety device since the seat belt.
In Depth: Safest 2008 Luxury Cars

"We've seen ESC reduce fatalities by as much as half in some instances," says Russ Rader, a spokesman for the Virginia-based Insurance Institute for Highway Safety. "ESC is especially great at reducing the fatalities for single-car crashes."

ESC immediately found favor with insurance companies and regulatory agencies when it was first introduced to the mass market in 2004. It works by monitoring and comparing a driver's intended course with a vehicle's actual direction. Hit an icy patch or a spot of gravel on a turn and ESC will brake tires individually to control skidding.

Rader calls ESC "the most important safety feature people have never heard of."

Behind The Numbers
To be a 2008 IIHS "Top Safety Pick," a vehicle must have ESC as an available feature. This year's list is made up of 34 vehicles, most of them SUVs.

Vehicles also must have received the top rating of "good" in each of the IIHS's three crash tests--the 40-mph front impact, 31-mph side impact and 20-mph rear impact tests are designed to mimic real-world conditions.

Luxury autos (those over $30,000) making the grade include the $34,995 Subaru Impreza WRX STi and the $31,935 Totota Tundra.

Unfortunately for the penny-pinching worrier, many Top Safety Picks don't come cheap, and additional safety features raise sticker prices.

What auto features are you most attracted to? Weigh in. Add your thoughts to the Readers Comments section below.

The Mercedes M class SUV, for example, offers ESC as a standard feature, but also comes with a tire-pressure warning system and automatic crash notification, which instantly alerts emergency services if the car is in a collision. With an MSRP of $52,750, the M class is the most expensive car on the list.

While the Audi A6 retails for less, adding optional rearview cameras, cornering lights and Xenon headlamps can cost an additional $6,050 when the premium and technology packages are added.

Still, if safety is what you seek, money should be no object.

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How To Deal With Your Insurance Company On A Disputed Claim


Your Car Accident

When you disagree with your insurance company, about a claim, you have the following 7 options which you can proceed to do, without going to court.

  1. If your agent is unable to solve your problem, get the name and phone number of your insurance companies Claims Department. More often than not it's an 800 number. Call The Consumer Complaint Department. Talk to them because they should be able to help you.
  2. Don't hang up until you get the specific name of the person with whom you spoke. (Make a note of the person you talked with and hold onto that until you've finished and your dispute).
  3. Send a covering letter (to that individual with whom you spoke) that contains all the documents you have to back up your position.
  4. All insurance companies have either an "Appraisal Service" or "Arbitration Service" which have been created to settle differences and/or disputes. Your policy should explain these options.
  5. If you've followed their rules for resolving your dispute, and you're still not satisfied, your own state's insurance department should be able to help you.
  6. If, after hearing from your own insurance company's people (and you're confident you've not been handled properly) you should call 1-800-942-4242 which is a toll-free Consumer Information Service which is sponsored by the insurance industry.
  7. Trained personnel are available to assist consumers who have complaints. THIS "HELP LINE" OPERATES ON EASTERN TIME, MONDAY THRU FRIDAY, 8:00 AM - 8:00 PM.
  8. ALSO: An "Independent Arbitrator", who allegedly has experience in insurance problems, can decide if what you've been told is fair.
  9. You can get to them by calling THE AMERICAN ARBITRATION ASSOCIATION 1-212-484-4000. Or they can be contacted (via the internet) at
  10. MEDIATION: More often than not the Mediator does not have the authority to make a binding decision or issue an award to either party. The mediator only recommends a solution.

Mediation is a solid first step because it can negate the need for further expense on both sides. The first thing you should do is check the language in your auto insurance policy where it will spell out who will mediate (and/or arbitrate) a claim. You should submit a DEMAND FOR ARBITRATION FORM to whoever is listed in your policy. On that Demand for Arbitration Form you can specify whether you want "MEDIATION" or "ARBITRATION".

DEMAND FOR ARBITRATION FORMS are available from your state's Department Of Insurance, or you can print a copy of a Demand Form from the American Arbitration Association's web site - - which (again) can be found at

Never Forget These 3 Very Crucial Facts

A. Mediation is much less expensive than Arbitration.
B. The Mediation Decisions are only considered to be advisory.
C. Arbitration Rulings are absolutely binding!

DISCLAIMER: The only purpose of this article "YOUR CAR ACCIDENT & HOW TO DEAL WITH YOUR INSURANCE COMPANY ON A DISPUTED CLAIM" is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga, Vince Ciulla nor make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any legal service; NOR to substitute for a lawyer, an insurance adjuster, claims consultant, or the like. Where such professional help is desired it is THE INDIVIDUALS RESPONSIBILITY to obtain said services.

Dan Baldyga's third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the Internet at or This book reveals "How To" successfully handle your motor vehicle accident claim so you won't be taken advantage of. It also goes into detail regarding BASE (The Baldyga Auto Accident Settlement Evaluation Formula). explains how to determine the value of the "Pain and Suffering" you endured - - because of your personal injury!

Copyright (c) 2008 By Daniel G. Baldyga. All Rights Reserved

N.J. back in driver's seat with

Philadelphia Inquirer - TRENTON - New Jersey has fixed its auto insurance problem. Five years after the state deregulated the industry, the results are in, and by almost every measure the reform has been a resounding success. Premiums are down. Competition is up. The number ...

From N.J. back in driver's seat with

2008 BMW 650i wallpapers

BMW 650i wallpapers:

Brakes & Tires
Brakes F/R: ABS, vented disc/vented disc
Driveline: Rear Wheel Drive
Tires F-R: 245/45 R18 (Std.) 245/40 R19 - 275/35 R19 (Opt.)
Displacement cu in (cc): 293 (4799)
Power bhp (kW) at RPM: 360(269) / 6300
Redline at RPM: n.a.
Torque lb-ft (Nm) at RPM: 360(488) / 3400
Type: V8
Exterior Dimensions & Weight
Length × Width × Height in: n.a.
Weight lb (kg): n.a.
Acceleration 0-60 mph s: 5.3
Fuel Economy EPA city/highway mpg (l/100 km): n.a.
Top Speed mph (km/h): 155 (250) - electronically limited

N.J. back in driver's seat with insurance

TRENTON - New Jersey has fixed its auto insurance problem. Five years after the state deregulated the industry, the results are in, and by almost every measure the reform has been a resounding

From N.J. back in driver's seat with insurance