Nationwide Insurance Premium rip-off Internet

First you changed from liability coverage to FULL coverage. Which to be quite honest doesn't exist. Full coverage is a generic term to state that you have liability and physical damage coverage on your new car. Now by purchasing a NEW vehicle you are going to pay a higher premium because your lender is going to require that you have comprehensive and collision coverage because it is still their asset until you pay it off. So it isn't a 'fee', your premium has just changed to reflect the change in coverage and higher valued vehicle. The only reason you are paying $21 is because you are just bad at math and can't figure out that when you change a vehicle mid-policy that you are going to have to compensate the company since they will be covering you up to the date that you cancel. As for buying online, you can't really blame a company because they are making it easier for you to purchase a policy. If you don't know how to read terms then you are just an ignorant person that doesn't understand contractual agreements. I must agree though that you should ALWAYS and I mean ALLLLLWAAAYS call an agent when purchasing a policy if you are not completely familiar with insurance.  I am not thrilled how Nationwide Direct does business, but the local agents are great people and usually willing to iron out any issues. Best of luck with your new insurance company.