Nationwide Auto Insurance coverage Overview 2024: Professionals, Cons, and Alternate options

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Nationwide is a well 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 clients 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 Overview

Nationwide Auto Insuranceis a well-liked choice with a lot of perks, from protected driving reductions to protection for pets which can be concerned in a crash. It ranks extremely for buyer satisfaction in line with J.D. Energy, and it usually affords cheap charges.

Nationwide is a serious insurance coverage firm that is in style amongst individuals in search of affordable auto insurance. Nationwide permits you to get monetary savings by bundling various kinds of insurance coverage, like house and auto.

The corporate affords a wide range of different price financial savings choices, together with a reduction for college kids with no 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 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 obtainable from Nationwide automotive insurance coverage.

Nationwide Auto Insurance coverage Professionals and Cons 

Nationwide Auto Insurance coverage Professionals 

• Broad 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 rankings are considerably combined
• Insurance policies are usually not obtainable in Alaska, Hawaii, Louisiana, or Massachusetts 

Nationwide Auto Insurance coverage Plans Accessible

Nationwide affords an array of various protection sorts. You select what you wish to construct a personalized automotive insurance coverage plan that is best for you. Whereas this may be thought-about “full protection,” there is no set full protection plan — you will must decide into the protection that you really want. 

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

Automobile Coverages

Some of these protection are supposed to restore injury to your automotive or another person’s, and canopy bills when you may’t drive your automotive. 

• Collision coverage: This covers injury to our car if it hits one other object, irrespective of whose fault the crash is. 
• Comprehensive coverage: This covers injury 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 car and having it labored on. 
• Rental automotive expense: This covers the price of a rental car 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

Some of 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 brought about. 
• Property injury legal responsibility: This covers injury 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, irrespective of whose fault they had been. 
• Uninsured motorist: This covers injury 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 had been injured in an accident. 

Further Protection Choices (Riders)

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

• Accident forgiveness: With this rider, you may keep away from a fee enhance the primary time you or different individuals in your coverage are at fault for an accident. Accident forgiveness is just 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) do not have an accident. The deductible low cost takes impact after 30 days. For those who’re in an accident, it reverts to the preliminary $100 low cost. 
• Roadside help: This rider provides 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. 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 whenever you’re caught greater than 100 miles from house. 
• Whole loss deductible waiver: In case your automotive is totaled, this waives the deductible for bodily injury. 

Whereas not formally a rider, Nationwide affords all clients an annual “On Your Facet” evaluation. This can be a probability 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 look like barely increased than common. In line with Policygenius, Nationwide prices a median 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 seemingly want to talk with an agent to get a finalized worth. 

Supply: Insurify

Nationwide Auto Insurance coverage Reductions 

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

• Bundle house and auto insurance coverage to avoid wasting as much as 20% on premiums. Clients save a median of $646 bundling their insurance coverage, in line with Nationwide. 
• SmartRide: This app tracks your driving habits and offers you reductions of as much as 40% for protected driving habits. You may get 15% off only for signing up. 
• SmartMiles: A reduction for drivers who do not enterprise far, this lets you worth 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 underneath the age of 25 who keep no less than a B common at school. 

Nationwide additionally affords reductions to individuals who arrange computerized funds and those that drive vehicles with anti-theft expertise. 

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

Getting a quote for Nationwide automotive insurance coverage is a straightforward on-line course of. Head to the official Nationwide web site, the place you will discover the quoting device 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 sequence of questions on your driving historical past and coverage selections. 

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

For those who’d somewhat 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 may be taken to an interactive map with all of the Nationwide insurance coverage brokers in your space.

You may also request a quote over the cellphone by calling 844-207-7609. 

As soon as you are a Nationwide automotive insurance coverage policyholder, you may pay your payments and file claims on-line or by means of the Nationwide cell app.

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

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

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

As soon as you’ve got lodged a declare, you may monitor it on-line or by texting 25246 (CLAIMS).

Nationwide Auto Insurance coverage Buyer Critiques and Scores

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

Nonetheless, it fares worse amongst buyer critiques, receiving a median of 1.14 stars on its Higher Enterprise Bureau web page and 1.5 stars on Trustpilot. Clients reward Nationwide for being responsive and offering fast service. Others complain that the claims course of is disturbing and that sure repairs aren’t coated as promised. It is price mentioning that these critiques 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 obtained  

The Nationwide cell app will get largely constructive critiques, incomes a median 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 Opponents 

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 in style 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 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 way more reasonably priced charges than Farmers. Whereas Nationwide charges are often on par with or barely under the nationwide averages, Farmers is likely one of the most costly auto insurance coverage corporations historically. Then again, 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 in an effort to examine prices to your particular state of affairs. 

Learn our Farmers auto insurance review. 

Nationwide vs. USAA Auto Insurance coverage

USAA Auto Insurance is thought for its reasonably priced charges. There may be one main downside 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 decide 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 underneath Uber or Lyft, however Nationwide will not cowl individuals utilizing their vehicles for that goal. Then again, Nationwide affords hole protection, which USAA would not except you additionally finance your car by means 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 sorts 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 file. These drivers pays a median of $149 with Nationwide, however solely $97 with Progressive. Partially for that purpose, Progressive is Insider’s decide for one of the best auto insurance coverage for high-risk drivers, together with individuals with accidents and DUIs on their file. 

One other main distinction is with the non-obligatory apps that the insurance coverage corporations use to evaluation 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 information to give you a reduction for protected driving habits. Progressive can also use Snapshot knowledge 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 evaluation of Nationwide Auto Insurance coverage, we rigorously went over the insurance coverage that Nationwide affords. We learn the superb print in order that you do not have to (no less than at first). We reviewed completely different protection sorts and riders which can be obtainable from Nationwide. 

We additionally reviewed third-party studies about Nationwide auto insurance coverage. We regarded 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.