Nationwide Auto Insurance Review: Benefits and Key Features of 2023

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Auto insurance is a critical component of responsible vehicle ownership. It provides financial protection and peace of mind in the event of accidents, theft, or unforeseen circumstances.

Nationwide Auto Insurance is a well-known insurance provider in the United States, offering a range of coverage options to meet the diverse needs of drivers.

In this comprehensive guide, we’ll explore Nationwide Auto Insurance, its coverage options, benefits, and why it should be your top choice for protecting your vehicle.

What is Nationwide Auto Insurance?

Nationwide Auto Insurance is a part of Nationwide Mutual Insurance Company, one of the largest insurance and financial services companies in the United States. Founded in 1926, Nationwide has decades of experience in providing reliable and comprehensive insurance solutions to millions of customers.

Key Features Nationwide Auto Insurance

1. Liability Coverage

Liability coverage is a fundamental component of auto insurance. It is divided into two main categories:

• Bodily Injury Liability: This portion of your policy covers medical expenses, rehabilitation, and even legal fees for the injured parties if you are found responsible for an accident. It helps protect your assets in case you are sued by the injured party.
• Property Damage Liability: This aspect of liability coverage helps pay for the repair or replacement of another person’s property, such as their vehicle, fence, or building, if you are at fault in an accident.

Liability coverage is typically mandated by state laws, and it’s essential for protecting your financial well-being in the event of a lawsuit.

2. Collision Coverage

Collision coverage comes into play when your vehicle is damaged in an accident involving another vehicle or object (like a tree or light pole). It covers the cost of repairing or replacing your car, minus your deductible. This coverage is particularly important for newer or more expensive vehicles.

3. Comprehensive Coverage

Comprehensive coverage is often referred to as “other than collision” coverage. It protects your vehicle from non-collision events, including:

• Theft: If your vehicle is stolen, comprehensive coverage can help cover the cost of replacing it.
• Vandalism: If your car is intentionally damaged, such as being keyed or spray-painted, comprehensive coverage can help with repairs.
• Natural Disasters: Comprehensive coverage can cover damage caused by natural disasters like hurricanes, floods, or earthquakes.
• Falling Objects: If something falls on your car, such as a tree branch, comprehensive coverage can assist with repairs.

Comprehensive coverage is a valuable addition to your policy, especially if you live in an area prone to these types of incidents.

4. Uninsured/Underinsured Motorist Coverage

This coverage is designed to protect you if you are involved in an accident with a driver who either doesn’t have insurance (uninsured) or doesn’t have enough insurance to cover your medical expenses and vehicle repairs (underinsured). Uninsured/underinsured motorist coverage ensures that you’re not left financially burdened due to someone else’s lack of insurance.

5. Medical Payments Coverage

Medical payments coverage, also known as MedPay, takes care of medical expenses for you and your passengers in the event of an accident, regardless of who is at fault. It can cover hospital bills, doctor visits, and even funeral expenses, providing immediate help when needed.

6. Personal Injury Protection (PIP)

Personal Injury Protection (PIP) is a more extensive form of coverage that goes beyond medical payments. PIP can cover medical expenses, lost wages due to injury, essential services like childcare or house cleaning, and even funeral expenses. It’s a particularly valuable coverage option in “no-fault” insurance states where each party’s insurance covers their own injuries, regardless of fault.

Benefits of Nationwide Auto Insurance

1. Nationwide Network

Nationwide boasts a widespread network of agents and service centers throughout the United States. This extensive network is advantageous for several reasons:

• Local Accessibility: With agents and service centers in various locations, you can easily find a Nationwide representative near you. This local presence allows for face-to-face interactions, which can be beneficial when discussing your insurance needs or handling claims.
• Convenience: Nationwide’s nationwide network ensures that you can access support and assistance conveniently, no matter where you are in the country. This is particularly valuable if you’re a frequent traveler or if you move to different states.

2. 24/7 Claims Support

Accidents don’t adhere to a 9-to-5 schedule, which is why Nationwide provides round-the-clock claims support. This means that if you’re involved in an accident or encounter any other covered incident, you can initiate the claims process at any time, day or night. Quick and accessible claims support ensures that you can get the help you need promptly, reducing stress during already challenging situations.

3. Multi-Policy Discounts

Nationwide encourages policyholders to bundle their auto insurance with other insurance policies they offer. This bundling approach often leads to substantial savings. For example, you can combine your auto insurance with homeowners, renters, or life insurance policies, resulting in a discounted premium rate for all your coverage needs. This not only simplifies your insurance management but also reduces your overall insurance expenses.

4. SmartRide Program

Nationwide’s SmartRide program is an innovative offering that leverages telematics technology to reward safe driving habits. Here’s how it works:

• Telematics Device: Nationwide provides a small telematics device that you install in your vehicle. This device collects data on your driving habits, such as your speed, braking, and acceleration patterns.
• Safe Driving Rewards: By demonstrating safe driving behaviors over time, you can earn discounts on your auto insurance premiums. The safer you drive, the more you can save.
• Personalized Feedback: The SmartRide program also provides you with personalized feedback and insights into your driving habits, helping you become a better and safer driver.

This program not only encourages responsible driving but also offers potential cost savings on your auto insurance, making it a win-win for policyholders.

5. Roadside Assistance

Nationwide offers optional roadside assistance coverage, which provides peace of mind while you’re on the road. Roadside assistance typically includes services such as:

• Towing: If your vehicle breaks down or is involved in an accident, Nationwide’s roadside assistance can arrange for towing to a repair facility.
• Flat Tire Assistance: If you have a flat tire, Nationwide can send someone to change it for you or provide a spare tire if you have one.
• Jump-Starts: If your battery dies, Nationwide can send help to jump-start your vehicle.
• Lockout Service: If you lock your keys in your car, Nationwide’s roadside assistance can help you gain access to your vehicle.

Having access to roadside assistance can be a lifesaver in emergencies, ensuring that you’re not stranded on the side of the road.

Read More:

• Comprehensive vs. Collision Auto Insurance
• What Is Accident Forgiveness?
• Why Is My Car Insurance So Expensive This Year?
• How Much Is Non-Owner Car Insurance?
• How To Buy Car Insurance for a New Car

Frequently Asked Questions

What types of auto insurance does Nationwide offer?

Nationwide offers a variety of auto insurance coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and more. They also provide optional add-ons like roadside assistance and rental car coverage.

How can I get a quote for Nationwide Auto Insurance?

You can get a quote for Nationwide Auto Insurance by visiting their website, contacting a local Nationwide agent, or calling their toll-free number. To get an accurate quote, you’ll need to provide information about your vehicle, driving history, and coverage preferences.

What factors affect the cost of Nationwide Auto Insurance?

Several factors can influence the cost of your Nationwide Auto Insurance, including your age, driving record, the type of vehicle you drive, your location, coverage limits, and any discounts you may be eligible for.

Can I customize my auto insurance policy with Nationwide?

Yes, Nationwide allows you to customize your auto insurance policy to fit your specific needs. You can choose the types and levels of coverage that suit you best and add optional coverage options for additional protection.

What is liability insurance, and why is it important?

Liability insurance covers the costs associated with injuries and property damage that you are legally responsible for in an accident. It is important because it helps protect your assets in case you are sued by the other party involved in an accident.

Do I need uninsured/underinsured motorist coverage?

Uninsured/underinsured motorist coverage can be valuable if you are involved in an accident with a driver who has insufficient or no insurance. It helps cover your expenses when the at-fault driver cannot pay for your damages.

How does Nationwide handle claims?

Nationwide has a claims process that typically involves reporting the accident, documenting the incident, and working with an adjuster to assess the damage and determine coverage. You can file a claim online, by phone, or through a Nationwide agent.

Are there discounts available for Nationwide Auto Insurance?

Yes, Nationwide offers various discounts, including safe driver discounts, multi-policy discounts, anti-theft device discounts, and more. To find out which discounts you may qualify for, it’s best to speak with a Nationwide representative.

Can I add additional drivers to my Nationwide Auto Insurance policy?

Yes, you can typically add additional drivers to your Nationwide Auto Insurance policy, such as family members or household members. Be sure to provide their relevant information when setting up or modifying your policy.

Is Nationwide Auto Insurance available nationwide?

Yes, Nationwide Auto Insurance is available in most states across the United States. However, policy availability and coverage options may vary by state, so it’s essential to check with Nationwide or a local agent for specific details.

How can I cancel my Nationwide Auto Insurance policy?

To cancel your Nationwide Auto Insurance policy, you should contact your local Nationwide agent or call their customer service number. Keep in mind that there may be certain guidelines and fees associated with canceling a policy, so it’s best to discuss this with a Nationwide representative.

Conclusion

Nationwide Auto Insurance offers a range of coverage options and benefits that make it a top choice for individuals and families looking to protect their vehicles. With a long history of trustworthiness and a commitment to customer satisfaction, Nationwide is a name you can rely on. Don’t wait until an accident happens; ensure your peace of mind on the road with Nationwide Auto Insurance. Get a quote today and drive with confidence.