Nationwide Car Insurance Review

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Table of Contents

nationwide car Insurance review

Nationwide car insurance offers basic products provided by most auto insurers such as Liability Coverage, Comprehensive Car Insurance, Personal Injury Protection, and the likes. The company also has some unique extras such as Auto Watch, SmartRide, Farm Bureau, etc. One add-on that is visibly missing is a ride share protection policy that a number of other policy providers offer. You can take advantage of quite a lot of bundling options with Nationwide that you won’t easily find with other insurance firms.

Known for its catchy commercials, Nationwide is great for you if you have a spotless driving record as you will be treated to some of the cheapest rates available. However, if your driving history has some blemish, you might want to look elsewhere for coverage. Seniors will find this company more appealing than youngers as rates tend to get cheaper the older you get.

Nationwide Insurance may be widely known for its car insurance policies, but it also offers life, home, and pet insurance services. The Ohio based company has been providing coverage for its clients since 1925, and you can access the auto insurance policy of Nationwide insurance in all 50 states of the U.S. 

Basic Coverage

At Nationwide, you will find the following coverage options for your car: 

  • Liability coverage – This covers the expenses in an accident where you damage a car or injure others.
  • Collision coverage – Covers any damages to your vehicle if you collide with another vehicle or object.
  • Comprehensive car insurance – A more holistic policy that covers you in different situations.
  •  Medical payments – Pays for medical fees resulting from an accident no matter who is at fault.
  • Uninsured motorists’ coverage – Covers any bodily injuries or property damages if an uninsured/underinsured driver is at fault in a loss.
  • Personal injury protection – Covers medical, rehabilitation, work loss, replacement, and even funeral costs.
  • Property damage liability – Pays for any property damages caused by your car.
  • Roadside and accident assistance – Refunds any expenses related to towing and other roadside assistance if your vehicle breaks down during travel.

Extras

With Nationwide, you can benefit from the following add-ons: 

  • SmartRide – Asides an initial signup discount, you can get up to another 40% discount for safe driving when the SmartRide device is fitted in your car.
  • Vanishing deductible – Reduces your deductible by $100 for every year your accident cost doesn’t amount to $500.
  • Accident forgiveness – Protects you from a rate increase after your first at-fault accident.
  • Farm Bureau – If you belong to any associated farm bureau, Nationwide will offer you discounts and accommodations.
  • Family plan – Any family member you include in your policy can enjoy the same discounts and benefits available to you.
  • Learning center – Get access to different educational tools regarding car insurance and driving on the Nationwide website.
  • On Your Side auto repair network – The auto repair centers affiliated with Nationwide provide adequate service and repairs for your vehicles.
  • Member connections – Take part in Nationwide’s public events where you can share your insurance experience with other members.
  • Plenti rewards program – You can enjoy discounts and cashback rewards at top retail locations across the U.S.
  • Auto Watch. You can monitor your vehicle’s repair online via the Auto Watch program.

How to Get a Quote

To get a quote, simply type in your Zip Code in the space provided on the National Insurance website. You’ll be taken to a page where you’ll fill in your personal information, click on save and continue to proceed.

Nationwide car Insurance - How to get a quote 1

The next page is a continuation of your personal details (including address, marital status, email address, and more). Next, you’ll fill in the details of the car you want to insure.

Nationwide car Insurance - How to get a quote 2

When you’re done, click on continue or add another vehicle if you wish to cover more than one vehicle. Next, you’ll be required to fill in the details of everyone who lives in your home, including non-drivers. That’s all that is needed, and your quote should appear based on all the details you entered.

Nationwide car Insurance - How to get a quote 3

You can also download your quote as a PDF file. Click on continue if the price is okay for you.

How to File a Claim

In the event that a loss occurs and you need to file a claim, Nationwide has made it relatively easy for customers. You can do any of these:

  • Log in to your account on the website or the app and file a claim
  • Call the claims hotline of Nationwide on 1-800-421-3535
  • Get in touch with your local agent

Nationwide Car Insurance - How to file a claim

No matter the claims channel you choose, you will need to submit the following information:

  • Your name and address
  • Information regarding witnesses or injured individuals
  • Information about the accident
  • Nationwide policy number

After your claim has been officially filed, Nationwide will assign a claims professional to handle your situation.

Pros

Cons

As is with every insurance company, there are some strength areas and some areas of weakness in this Insurance operation. Here the main pros & cons you should know about Nationwide:

Financial capability

You can rest assured that Nationwide auto insurance can cover all of its insurance obligations as it boasts of over $2 billion in assets.

Educational resources

Nationwide provides its customers with different educational and empowerment tools and resources. These tools are designed to help members drive better and get cheaper rates.

Well-designed website

The website of this company is easily navigable, responsive, and beautiful. Customers will find that learning, filing claims, and other essential activities can easily be carried out on the website.

On your side auto repair network

Nationwide’s network of auto repair shops consists of vehicle repair centers that guarantee remarkable services for your insured car.

Well-crafted mobile app

Nationwide provides customers with a fully functional app that allows you to do virtually anything related to your insurance policy on the go, such as making payments, filing claims, receiving roadside assistance, etc. The Nationwide insurance app is available to download for iOS and Android users.

Unattractive prices for certain folks

Rates are quite high for some motorists, especially drivers with a stained driving record.

Inconsistency in support

Although there are many communication channels to reach the customer service, there are many customer complaints regarding inconsistent answers from some customer care representatives.

No ride-sharing protection

If you use your car for ride-sharing services, you might need to look for coverage elsewhere if you want protection in that area.

Credit score checking

A lot of insurance companies don’t check your credit rating before they offer you their services. It is mandatory for Nationwide to check your credit score before they cover your vehicle.

Customer Satisfaction Ratings, Financial strength

According to a 2018 review by the National Association of Insurance Commissioners (NAIC), Nationwide car insurance had fewer complaints than most auto insurance providers. The company is financially stable and has assets of over $2 billion. The customer reviews for this company are around average, according to the Better Business Bureau and Consumer Affairs. Below are customer satisfaction and financial strength ratings for Nationwide:
Type Company Rate
Customer satisfaction Better Business Bureau Consumer complaint rating A+
Customer satisfaction J.D. Power customer satisfaction score 2/5
Financial strength A.M. Best financial strength rating A+
Financial strength Standard & Poor’s (S&P) A+
Customer satisfaction NAIC complaint index 1.51 (2018 study)

Auto Insurance Discounts

Nationwide offers a wide range of discounts for its customers. These savings are relatively easy to take advantage of. Here is a list of available discounts with Nationwide auto insurance and how you can receive them:
Discount How do you receive it?
Accident-free Have a minimum of five years of safe driving.
Multi-policy Bundle a number of insurance policies with Nationwide such as home, life, and auto policies.
Anti-theft Equip your car with a standard anti-theft device.
SmartRide Signup and install the SmartRide device that tracks safe driving.
Paperless documents Start making use of paperless documents.

Car Insurance Alternatives

Here are our 2 choices of car insurance companies which can use as a great alternative to Nationwide:  

The Liberty Mutual Insurance Auto policy is known for its affordable coverage prices and numerous discounts; this may be why it has a sixth-place largest insurer ranking. It provides several coverage options to select from, for you, for others, and your automobile. Some of the packages are standard benefits that come with the policy, while some are additions for a price. This coverage includes vehicle, liability, medical, uninsured driver, car replacement, and reimbursement. Soldiers and school students are entitled to some discounted packages, as are cars and driving methods.

This operator gives a close to maximum coverage for your car needs for a relatively low price. Compared to many other insurance companies, Liberty Mutual has a relatively standard customer care satisfaction ranking higher than its competitors.

Low prices are one of the things that made Progressive so popular among Americans that the company even encourages you to compare its rates with other insurance providers right on its website with a price comparison tool.

You will find the company provides standard car coverage options other insurers offer (like liability, personal injury protection, medical payments, etc.) and perks (like accident forgiveness, deductible reduction, etc.) when Progressive covers you. Of course, Progressive offers other insurance products like home, life, and renters through third party companies.