Nationwide Auto Insurance coverage Evaluate 2024: Professionals, Cons, and Options

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Nationwide is a widely known insurance coverage supplier with headquarters in Columbus, Ohio. The corporate’s auto insurance coverage insurance policies can be found in all however 4 states, and its charges are considerably decrease than the nationwide common. Nationwide additionally stands out by offering numerous protection choices and giving prospects a number of methods to request quotes and handle their insurance policies.  

These low charges and versatile coverage choices make Nationwide one of many best car insurance providers within the U.S.

Nationwide Auto Insurance coverage Evaluate

Nationwide Auto Insuranceis a well-liked possibility with plenty of perks, from secure driving reductions to protection for pets which might be concerned in a crash. It ranks extremely for buyer satisfaction in keeping with J.D. Energy, and it usually affords affordable charges.

Nationwide is a significant insurance coverage firm that is fashionable amongst folks on the lookout for affordable auto insurance. Nationwide permits you to get monetary savings by bundling various kinds of insurance coverage, like dwelling and auto.

The corporate affords a wide range of different price financial savings choices, together with a reduction for college students with at the very least a B common and one other low cost for utilizing SmartRide, an app that tracks your driving habits and offers you reductions for driving safely. Plus, Nationwide ranks nicely, scoring a 627 in J.D. Energy’s newest auto insurance coverage buyer satisfaction examine.

Here is what it’s best to know in regards to the plans, riders, and reductions accessible from Nationwide automotive insurance coverage.

Nationwide Auto Insurance coverage Professionals and Cons 

Nationwide Auto Insurance coverage Professionals 

• Vast collection of protection choices
• Number of reductions
• Utilization-based insurance coverage applications (SmartRide® and SmartMiles®) can be found
• Sturdy monetary stability ranking from AM Greatest

Nationwide Auto Insurance coverage Cons

• Charges could also be greater than some rivals
• Buyer satisfaction scores are considerably combined
• Insurance policies aren’t accessible in Alaska, Hawaii, Louisiana, or Massachusetts 

Nationwide Auto Insurance coverage Plans Accessible

Nationwide affords an array of various protection varieties. You select what you wish to construct a personalized automotive insurance coverage plan that is best for you. Whereas this may be thought of “full protection,” there is not any set full protection plan — you may have to choose into the protection that you really want. 

Nationwide divides its protection into 11 protection classes. These are divided into two classes: automobile coverages and private auto coverages.

Car Coverages

These kind of protection are supposed to restore harm to your automotive or another person’s, and canopy bills when you’ll be able to’t drive your automotive. 

• Collision coverage: This covers harm to our automobile if it hits one other object, irrespective of whose fault the crash is. 
• Comprehensive coverage: This covers harm to your automotive that is not coated by collision. It consists of issues like theft, vandalism, weather-related damages, and crashes with animals. 
• Towing and labor: This covers the price of — you guessed it — towing your automobile and having it labored on. 
• Rental automotive expense: This covers the price of a rental automobile when your automotive is out of fee due to a coated accident. 
• Hole protection: This covers the distinction between the precise worth of your automotive, and what you owe on the mortgage. In case your automotive is totaled, however appraises for lower than you owe, hole protection pays for the distinction. 

Private Auto Coverages

These kind of insurance coverage cowl you, your passengers, and different individuals who may be harm and even killed in an accident, plus their property.  

• Bodily harm legal responsibility: This liability insurance covers medical payments and misplaced earnings for accidents to different folks from an accident that you simply induced. 
• Property harm legal responsibility: This covers harm to another person’s property, together with their automotive, from accidents that you simply trigger. 
• Private harm safety: This covers your medical bills and misplaced earnings from accidents, irrespective of whose fault they have been. 
• Uninsured motorist: This covers harm from hit-and-runs and different at-fault drivers who weren’t insured.  
• Underinsured motorist: This protection is much like uninsured, however protects you if the at-fault driver would not have sufficient safety to cowl your payments. 
• Medical funds: Covers medical payments for you and your passengers who have been injured in an accident. 

Further Protection Choices (Riders)

Along with the protection varieties listed above, Nationwide offers 4 riders, which it calls “particular auto coverages.” They’re:

• Accident forgiveness: With this rider, you’ll be able to keep away from a charge improve the primary time you or different folks in your coverage are at fault for an accident. Accident forgiveness is just accessible in choose states, and may solely be used as soon as per coverage. 
• Vanishing deductible: This rider helps you decrease your deductible after years of secure driving. The deductible drops by $100, as much as a $500 low cost, for every year that you simply (or others in your coverage) do not have an accident. The deductible low cost takes impact after 30 days. If you happen to’re in an accident, it reverts to the preliminary $100 low cost. 
• Roadside help: This rider offers you entry to a roadside assistance service plan that may repair minor issues like a flat tire or an empty fuel tank. Nationwide affords two roadside help riders: primary or plus. Primary covers the necessities like brief towing (as much as 15 miles), key lockouts as much as $100, tire modifications, and fuel refills. Plus, it provides as much as 100 miles of towing and as much as $500 in journey interruption safety once you’re caught greater than 100 miles from dwelling. 
• Whole loss deductible waiver: In case your automotive is totaled, this waives the deductible for bodily harm. 

Whereas not formally a rider, Nationwide affords all prospects an annual “On Your Aspect” assessment. It is a probability to ask questions on your coverage and higher perceive your protection. 

How A lot Does Nationwide Auto Insurance coverage Value?

Nationwide Auto Insurance coverage prices seem like barely greater than common. In accordance with Policygenius, Nationwide prices a mean of $1,475 a 12 months for full protection. That is simply above the nationwide common of $ $1,128 yearly. You can begin to get a quote from Nationwide on-line, however you’ll probably want to talk with an agent to get a finalized value. 

Supply: Insurify

Nationwide Auto Insurance coverage Reductions 

Nationwide stands out for providing many low cost applications. Listed below are a number of:

• Bundle dwelling and auto insurance coverage to avoid wasting as much as 20% on premiums. Prospects save a mean of $646 bundling their insurance coverage, in keeping with Nationwide. 
• SmartRide: This app tracks your driving habits and offers you reductions of as much as 40% for secure driving habits. You will get 15% off only for signing up. 
• SmartMiles: A reduction for drivers who do not enterprise far, this lets you value your coverage based mostly on what number of miles you cowl yearly. 
• Secure driver reductions can be found to individuals who have not been at fault for an accident in 5 years, whereas accident-free reductions can be found to drivers who’ve by no means had an accident. Drivers over the age of 55 may get a reduction for taking a defensive driving course. 
• Good scholar reductions can be found to drivers below the age of 25 who preserve at the very least a B common in class. 

Nationwide additionally affords reductions to individuals who arrange automated funds and people who drive vehicles with anti-theft know-how. 

Find out how to Buy and Handle a Nationwide Auto Insurance coverage Coverage

Getting a quote for Nationwide automotive insurance coverage is an easy on-line course of. Head to the official Nationwide web site, the place you may discover the quoting device on the high of the homepage. Choose “auto” from the dropdown menu, enter your zip code, and click on “Begin your quote.” From there, you may undergo a sequence of questions on your driving historical past and coverage decisions. 

Having your automotive’s automobile identification quantity (VIN) will velocity the quoting course of alongside since Nationwide can use it to routinely pull the automobile specs. But when you do not have the VIN, then be sure you know your automobile’s 12 months, make, and mannequin.

Requesting a quote ought to solely take a couple of minutes, and you should purchase a coverage on-line, too.

If you happen to’d quite buy auto insurance coverage in individual, Nationwide has a community of brokers throughout the nation. Head to the Nationwide web site and scroll right down to “Discover a native agent.” Enter your zip code and click on “Go.” You will be taken to an interactive map with all of the Nationwide insurance coverage brokers in your space.

You can even request a quote over the cellphone by calling 844-207-7609. 

As soon as you are a Nationwide automotive insurance coverage policyholder, you’ll be able to pay your payments and file claims on-line or by the Nationwide cell app.

Find out how to File a Declare With Nationwide Auto Insurance coverage

Nationwide prospects can file a declare on-line, through the Nationwide cell app, or over the cellphone at 800-421-3535. You can even contact roadside help utilizing any of these strategies. 

Nationwide says it would take about quarter-hour to file a declare on-line. You will want documentation, together with any police report, restore price estimates, or photographs. 

As soon as you have lodged a declare, you’ll be able to monitor it on-line or by texting 25246 (CLAIMS).

Nationwide Auto Insurance coverage Buyer Critiques and Rankings

Nationwide offers a versatile buyer expertise, permitting policyholders to handle their insurance policies by the Nationwide web site, the Nationwide cell app, and by contacting an agent. The corporate has a robust repute, incomes an A+ grade from the Higher Enterprise Bureau and an A (Wonderful) ranking from A.M. Greatest for monetary stability. 

Nonetheless, it fares worse amongst buyer evaluations, receiving a mean of 1.14 stars on its Higher Enterprise Bureau web page and 1.5 stars on Trustpilot. Prospects reward Nationwide for being responsive and offering fast service. Others complain that the claims course of is worrying and that sure repairs aren’t coated as promised. It is price mentioning that these evaluations pertain to Nationwide as an entire, not simply its automotive insurance coverage.

Nationwide has a 2.35 on the Nationwide Affiliation of Insurance coverage Commissioners’ firm criticism index, which implies it acquired  

The Nationwide cell app will get principally constructive evaluations, incomes a mean of 4.5 stars on Google Play and 4.7 stars on the Apple App Retailer. Customers say the app is handy for paying payments, beginning claims, and accessing policyholder ID playing cards.

Nationwide Auto Insurance coverage vs. Its Rivals 

Study extra about how Nationwide compares to different high auto insurance coverage choices. 

Nationwide vs. Farmers Auto Insurance coverage

Nationwide and Farmers Auto Insurance are each fashionable insurance coverage suppliers accessible in most states. They provide comparable low cost applications, together with accident forgiveness, deductible reductions for individuals who have not had an accident in years, and secure driving reductions for individuals who obtain apps that monitor driving actions. Farmers affords a number of extra reductions than Nationwide, together with deductions for navy members and sure different professionals, and individuals who drive hybrid or electrical autos. 

Nationwide, typically, has rather more reasonably priced charges than Farmers. Whereas Nationwide charges are normally on par with or barely under the nationwide averages, Farmers is likely one of the costliest auto insurance coverage corporations historically. However, we discovered that Farmers was more affordable for some drivers than Nationwide. So, if you happen to’re contemplating these two corporations, it is best to get quotes from each with a view to evaluate prices to your particular state of affairs. 

Learn our Farmers auto insurance review. 

Nationwide vs. USAA Auto Insurance coverage

USAA Auto Insurance is understood for its reasonably priced charges. There may be one main disadvantage to USAA: It is solely accessible to energetic navy members, veterans, and their households. However if you happen to name into these classes, you could possibly save on insurance coverage. USAA is Insider’s choose for one of the best auto insurance coverage for navy members. 

There are slight protection variations between USAA Auto Insurance coverage and Nationwide. Each supply primary protection choices, together with legal responsibility, collision, and complete. USAA will cowl rideshare drivers who use their car to work below Uber or Lyft, however Nationwide will not cowl folks utilizing their vehicles for that objective. However, Nationwide affords hole protection, which USAA would not until you additionally finance your automobile by USAA. 

Learn our USAA auto insurance review. 

Nationwide vs. Progressive Auto Insurance coverage

Progressive Auto Insurance and Nationwide are each among the many largest auto insurance coverage corporations within the nation. They provide the identical forms of protection and comparable deductions, together with reductions in your deductible. We have discovered that Progressive has barely decrease charges than Nationwide, particularly for drivers who’ve an accident on their driving document. These drivers pays a mean of $149 with Nationwide, however solely $97 with Progressive. Partially for that cause, Progressive is Insider’s choose for one of the best auto insurance coverage for high-risk drivers, together with folks with accidents and DUIs on their document. 

One other main distinction is with the non-obligatory apps that the insurance coverage corporations use to assessment your driving habits. To be clear, you are not required to make use of Progressive Snapshot or Nationwide SmartRide. However if you happen to do, Nationwide will solely use the information to give you a reduction for secure driving habits. Progressive may use Snapshot information to justify rising your premiums.

Learn our Progressive auto insurance review. 

Nationwide Auto Insurance coverage FAQ

Why You Ought to Belief Us: How We Reviewed Nationwide Auto Insurance coverage

To place collectively this assessment of Nationwide Auto Insurance coverage, we fastidiously went over the insurance coverage that Nationwide affords. We learn the effective print in order that you do not have to (at the very least at first). We reviewed completely different protection varieties and riders which might be accessible from Nationwide. 

We additionally reviewed third-party studies about Nationwide auto insurance coverage. We seemed on the firm’s monetary stability, rankings in comparison with different insurers, and general buyer satisfaction studies. 

Learn extra about how Business Insider rates auto insurance here.