Nationwide Auto Insurance coverage Assessment 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 varied 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 Assessment

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

Nationwide is a significant insurance coverage firm that is common amongst individuals searching for affordable auto insurance. Nationwide means that you can lower your expenses by bundling several types of insurance coverage, like residence and auto.

The corporate presents a wide range of different value financial savings choices, together with a reduction for college kids with not less than 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 properly, scoring a 627 in J.D. Energy’s newest auto insurance coverage buyer satisfaction examine.

This is what it is best to know concerning the plans, riders, and reductions obtainable from Nationwide automotive insurance coverage.

Nationwide Auto Insurance coverage Professionals and Cons 

Nationwide Auto Insurance coverage Professionals 

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

Nationwide Auto Insurance coverage Cons

• Charges could also be increased than some opponents
• Buyer satisfaction scores are considerably blended
• Insurance policies should not obtainable in Alaska, Hawaii, Louisiana, or Massachusetts 

Nationwide Auto Insurance coverage Plans Out there

Nationwide presents an array of various protection sorts. You select what you need to construct a custom-made automotive insurance coverage plan that is best for you. Whereas this may be thought-about “full protection,” there is not any set full protection plan — you will have to decide 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.

Automobile Coverages

All these 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, regardless of whose fault the crash is. 
• Comprehensive coverage: This covers harm to your automotive that is not coated by collision. It contains 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 can pay for the distinction. 

Private Auto Coverages

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

• Bodily damage legal responsibility: This liability insurance covers medical payments and misplaced revenue for accidents to different individuals from an accident that you simply prompted. 
• Property harm legal responsibility: This covers harm to another person’s property, together with their automotive, from accidents that you simply trigger. 
• Private damage safety: This covers your medical bills and misplaced revenue from accidents, regardless of whose fault they had been. 
• Uninsured motorist: This covers harm from hit-and-runs and different at-fault drivers who weren’t insured.  
• Underinsured motorist: This protection is just 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 had been injured in an accident. 

Extra Protection Choices (Riders)

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

• Accident forgiveness: With this rider, you’ll be able to keep away from a price improve the primary time you or different individuals in your coverage are at fault for an accident. Accident forgiveness is simply obtainable in choose states, and might solely be used as soon as per coverage. 
• Vanishing deductible: This rider helps you decrease your deductible after years of protected driving. The deductible drops by $100, as much as a $500 low cost, for every year that you simply (or others in your coverage) haven’t got an accident. The deductible low cost takes impact after 30 days. Should you’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 presents two roadside help riders: primary or plus. Fundamental covers the necessities like brief towing (as much as 15 miles), key lockouts as much as $100, tire adjustments, and fuel refills. Plus, it provides as much as 100 miles of towing and as much as $500 in journey interruption safety while you’re caught greater than 100 miles from residence. 
• Complete loss deductible waiver: In case your automotive is totaled, this waives the deductible for bodily harm. 

Whereas not formally a rider, Nationwide presents all prospects an annual “On Your Facet” overview. This can be a likelihood to ask questions on your coverage and higher perceive your protection. 

How A lot Does Nationwide Auto Insurance coverage Price?

Nationwide Auto Insurance coverage prices seem like barely increased than common. In keeping with Policygenius, Nationwide prices a mean of $1,475 a yr 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 possible 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 couple of:

• Bundle residence and auto insurance coverage to avoid wasting as much as 20% on premiums. Prospects save a mean of $646 bundling their insurance coverage, in accordance with Nationwide. 
• SmartRide: This app tracks your driving habits and offers you reductions of as much as 40% for protected 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. 
• Protected 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 also can get a reduction for taking a defensive driving course. 
• Good pupil reductions can be found to drivers beneath the age of 25 who preserve not less than a B common in class. 

Nationwide additionally presents reductions to individuals who arrange automated funds and those that drive automobiles with anti-theft know-how. 

How you can 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 will discover the quoting instrument on the prime of the homepage. Choose “auto” from the dropdown menu, enter your zip code, and click on “Begin your quote.” From there, you will undergo a collection of questions on your driving historical past and coverage selections. 

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

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

Should you’d moderately buy auto insurance coverage in individual, Nationwide has a community of brokers throughout the nation. Head to the Nationwide web site and scroll all the way 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 too request a quote over the telephone 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 way of the Nationwide cell app.

How you can File a Declare With Nationwide Auto Insurance coverage

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

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

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

Nationwide Auto Insurance coverage Buyer Opinions and Scores

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

Nevertheless, 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 aggravating and that sure repairs aren’t coated as promised. It is value mentioning that these evaluations pertain to Nationwide as a complete, 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 optimistic 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 prime auto insurance coverage choices. 

Nationwide vs. Farmers Auto Insurance coverage

Nationwide and Farmers Auto Insurance are each common insurance coverage suppliers obtainable 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 protected driving reductions for individuals who obtain apps that observe driving actions. Farmers presents a couple of extra reductions than Nationwide, together with deductions for navy members and sure different professionals, and individuals who drive hybrid or electrical automobiles. 

Nationwide, basically, has way more inexpensive charges than Farmers. Whereas Nationwide charges are normally on par with or barely beneath the nationwide averages, Farmers is among the most costly auto insurance coverage corporations historically. However, we discovered that Farmers was more affordable for some drivers than Nationwide. So, in the event you’re contemplating these two corporations, it is best to get quotes from each to be able to evaluate prices to your particular scenario. 

Learn our Farmers auto insurance review. 

Nationwide vs. USAA Auto Insurance coverage

USAA Auto Insurance is understood for its inexpensive charges. There’s one main disadvantage to USAA: It is solely obtainable to lively navy members, veterans, and their households. However in the event you name into these classes, you might be able to save on insurance coverage. USAA is Insider’s choose for the very best auto insurance coverage for navy members. 

There are slight protection variations between USAA Auto Insurance coverage and Nationwide. Each provide primary protection choices, together with legal responsibility, collision, and complete. USAA will cowl rideshare drivers who use their vehicle to work beneath Uber or Lyft, however Nationwide will not cowl individuals utilizing their automobiles for that function. However, Nationwide presents hole protection, which USAA would not except you additionally finance your automobile by way of 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 varieties 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 report. These drivers can pay a mean of $149 with Nationwide, however solely $97 with Progressive. Partially for that motive, Progressive is Insider’s choose for the very best auto insurance coverage for high-risk drivers, together with individuals with accidents and DUIs on their report. 

One other main distinction is with the non-obligatory apps that the insurance coverage corporations use to overview your driving habits. To be clear, you are not required to make use of Progressive Snapshot or Nationwide SmartRide. However in the event you do, Nationwide will solely use the info to give you a reduction for protected driving habits. Progressive can also use Snapshot information to justify growing 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 overview of Nationwide Auto Insurance coverage, we rigorously went over the insurance coverage that Nationwide presents. We learn the advantageous print in order that you do not have to (not less than at first). We reviewed completely different protection sorts and riders which are obtainable from Nationwide. 

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

Learn extra about how Business Insider rates auto insurance here.