THE GOOD

Great coverage for mechanical problems:

Nationwide car insurance really excels when it comes to coverage for breakdowns and other mechanical problems, offering a range of optional benefits that combine to make sure you're never left out in the cold. With mechanical breakdown insurance, you'll have the peace of mind that comes with knowing sudden engine repairs and parts replacements will be covered under your policy, without any repair facility restrictions. Add roadside assistance and towing coverage to make sure that you're taken care of in the event of a breakdown or lockout, no matter where it happens. Finally, Nationwide auto insurance has rental car reimbursement coverage, which keeps you on the road while your car is being repaired. This coverage even reimburses you if you choose to take a taxi or public transportation to work instead of a rental car.

Easy to file a claim:

It's also nice to know that Nationwide offers convenient claims filing options that help you report accidents and other covered damage fast so you can get back to life as usual. You can initiate a claim by calling your Nationwide agent, calling the national claims center, or accessing the claims center online. You can even start a claim with your smartphone using the Nationwide Mobile app. Whichever method you use, you'll have help every step of the way. Most simple claims can be completed entirely online, though you may have to work with your agent or a claims center representative to work through complex claims.

Access to GAP insurance:

If you have a large car loan, GAP insurance is an important coverage option to have access to. Though not all major auto insurers provide GAP policies, Nationwide auto insurance does. With Nationwide GAP insurance, you can trust that your loan will be paid in full in the event that your car is damaged beyond repair or if it's stolen and unrecovered, even if your loan balance exceeds the car's fair market value. This option offers great peace of mind, especially in the early years of car ownership when the market value of your car falls far faster than your loan balance.

Easy-to-navigate website:

Finding the right insurance provider and building a policy suited to your needs can be a grueling process. Nationwide car insurance helps ease the pain by providing well-organized information and intuitive tools to help you make an informed decision. The Nationwide auto insurance website is organized into three main information sections that do a great job explaining the details of Nationwide's coverage options, driver and vehicle discounts, and claims handling procedures. You can also learn about the On Your Side Review, a consultation service that provides free personalized advice from a Nationwide agent. Finally, you can also access Nationwide's quotation tool, which helps you build a policy that meets your coverage needs and fits your budget.

Vanishing Deductible:

Nationwide's Vanishing Deductible program is a pretty cool option to take advantage of. Essentially, the program credits you $100 per year just for driving safely. These credits will accumulate in your account to a maximum balance of $500. If you do get into an accident, your credit balance is automatically applied toward your policy deductible. So, for example, if you have a $500 deductible and your Vanishing Deductible program credit stands at $400, you will only have to pay $100 out of pocket for your accident repairs. It's pretty tough to complain about that kind of deal. If you do need to use your credit, your Vanishing Deductible will start back at $100 rather than zero.

THE BAD

Missing some common discounts:

On balance, Nationwide offers a pretty good selection of driver discounts. However, they miss on several popular discounts offered by many of the top insurers in the market, including those for members of the military and low-mileage drivers. You won't get a discount for paying your full policy premium in advance either, which is pretty unfortunate if you regularly stay ahead on your bills. Nationwide auto insurance also fails to provide a loyalty discount to long-term customers. Though it's not really that common in the marketplace, the lack of a loyalty discount helps to rank Nationwide auto insurance below the best insurers in the discount category.

Average mobile app:

Another relatively minor knock on Nationwide has to do with its decidedly average mobile app, which gets mixed reviews from both iPhone and Android users. The Nationwide Mobile app allows you to pay your bill and access your insurance cards, and you can even start an accident claim. However, if modifying your policy on the go is important to you, you're going to be disappointed. The app doesn't offer you the ability to add or remove drivers or cars, change your coverage options, or adjust your deductibles, features that can be found in some of the industry's best auto insurance apps. You also won't find a comprehensive accident guide to help you if you get in a wreck, which is a really valuable resource to have on hand in such a moment. Though for many people the quality of a mobile app is not a deal breaker, it would be nice if Nationwide could offer an app that meets the same high usability standards as its website.

THE DETAILS

Financial Strength
A.M. Best FSR Rating A+
A.M. Best ICR Rating aa-
Moody's Rating A1
Standard & Poor's Rating A+

FEATURES

Title
  • Accident Forgiveness Your rates do not automatically increase after an accident.

  • Defensive Driver Discount You can get a discounted rate if you complete a defensive driving course.

  • Discount Finder The insurance company periodically reviews your auto policy to see if you might qualify for any new discounts.

  • Family Discount Direct family members of current policy holders get a low rate.

  • Good Driver Discount You can get a discount for having a clean driving record.

  • Good Student Discount Students that maintain a good GPA can get a policy discount.

  • Loyalty Discount You can get a discount if you remain with the company over an extended period of time.

  • Multiple Policy Discount You can get a discount for having multiple insurance policies with the same company.

  • Multiple Vehicle Discount You can get a discount if you insure multiple vehicles.

  • Organization Discount You can get a discount to if you are affiliated with certain organizations or partner companies.

  • Driving Habits Discount You can get a discounted rate if you place a device in your car that measures your driving habits.

  • Low Mileage Discount You can get a discount for driving low mileage each year.

  • Military Discount You can get a discount if you are a member of the military.

  • Prepay Discount You can get a discount if you pay your premiums in advance.

  • Automatic Payments Payments can be scheduled automatically.

  • Credit Card Payments You can make a payment with your credit card.

  • Flexible Payment Terms You have flexible payment terms over different periods of time.

  • Mail Payments Payments can be mailed.

  • Online Payments Payments can be made online.

  • Pay by Bank Account You can make a payment directly from your bank account.

  • Phone Payments Payments can be made over the phone.

  • Prepayment Policies can be prepaid in full, often at a discount.

  • Bodily Injury Liability You can get coverage against bodily injuries to others in an accident that is your fault.

  • Personal Injury Protection You can get coverage for injuries sustained by the driver or any passengers, often including medical bills and lost wages.

  • Pet Injury Coverage You can get coverage for injuries sustained by pets in an auto accident.

  • Property Damage Liability You can get coverage against property damage to another party in an accident that is your fault.

  • Separate Windshield and Glass You can get stand-alone coverage for damaged windshields or glass.

  • Uninsured Motorist Property Damage Coverage You can get coverage that protects against property damage caused by an uninsured or underinsured motorist.

  • Rental Car Coverage You can get coverage for your rental car if it is damaged or stolen.

  • Stacked Uninsured Motorist Coverage You can get coverage that allows you to combine or ''stack'' the individual limits of coverage on multiple insured vehicles in the same household.

  • Add a Driver You can add a new driver to your insurance policy.

  • Add a Vehicle You can add a vehicle to your insurance policy.

  • Billing Status You can check billing status and payment information.

  • Dashboard You can manage and change policy details through an online service center.

  • Paperless Billing You can elect to receive statements and policy information via email or on the company's website.

  • Replace Vehicle You can replace or change a vehicle covered by your insurance policy.

  • Collision You can get coverage against any damage resulting from a collision.

  • Comprehensive You can get coverage against any non-collision vehicle damage including fire, theft, or vandalism.

  • GAP Insurance You can get coverage that pays the difference between the actual value of a totaled car and the balance remaining on an auto loan.

  • Mechanical Breakdown Coverage You can get coverage that includes all mechanical repair costs beyond routine maintenance.

  • Interior Vehicle Coverage You can get coverage of personal belongings inside of the car including sound systems, CDs, and DVDs.

  • New Car Replacement You can get coverage that will replace a totaled car with a brand-new version if it is less than 1 year old.

  • Medical Payments You can get coverage for a variety of accident-related medical bills.

  • Rental Car Reimbursement You can get reimbursed for the cost of a rental car following a claim.

  • Roadside Assistance You can get roadside assistance for flat tires or other mechanical problems.

  • Towing and Labor The cost of towing and the labor associated with getting your car back on the road is covered.

  • 24/7 Claims Center A claims center can be reached 24/7.

  • Agent Claim Filing You can contact an agent to file a claim.

  • Mobile Claim Filing You can file a claim through a mobile app.

  • No Repair Facility Restrictions You can have repairs done at the facility of your choice.

  • Online Claim Filing You can file a claim online 24/7.

  • Repair Facility Recommendations The company provides a network of recommended repair facilities.

  • Telephone Claim Filing You can file a claim via telephone.

  • Insurance Cards by Mail You can receive your insurance cards by mail.

  • Online Policy Purchase You can purchase a policy entirely online.

  • Online Rate Quotes You can get a car insurance quote on the company's website.

  • Print Insurance Cards You can print your insurance cards.

  • Insurance Cards by Fax You can receive your insurance cards by fax.

  • Android App You can get an Android-specific app.

  • Claim Details You can update your claim details through a mobile app.

  • Connect with an Agent You can connect directly with an agent through a mobile app.

  • Digital ID Cards Digital ID cards are available online or on mobile devices.

  • File a Claim You can initiate or file a new claim through a mobile app.

  • Get a Quote You can get a rate quote through a mobile app.

  • iPhone App You can get an iPhone-specific app.

  • Mobile Website A mobile-specific website is available.

  • Text Message Alerts Policy alerts or updates can be issued by text message.

  • Accident Guide A mobile app that assists with data collection, emergency services, or tips in the event of an accident is available.

  • Edit Policy You can edit or change your policy details with a mobile app.

  • Email/Print ID Cards You can email or print digital insurance cards.

  • Favorable Mobile App Store Reviews The mobile app has a combined 3.5 stars or greater for their iPhone and Android apps.

  • GPS Locator The mobile app has a built-in GPS locator.

  • Tablet A tablet-based app is available.

  • Email/Ticket The company has an email or ticket system dedicated to support.

  • Live Chat The company offers live chat support.

  • Phone You can contact the company by phone to get support.

  • Social Media You can contact the company with questions through social media websites.

  • FAQs A list of answers to frequently asked questions is available.

  • Glossary A glossary of common industry terms is available.

  • Knowledge Base A knowledge base of detailed help articles is available.

  • Video Tutorials Video tutorials are available.

  • Blog A blog with relevant insurance information is available.

  • Forum The company provides access to an interactive forum where users can post questions and answers.

  • Anti-Theft Device Discount A discount is offered if vehicles are equipped with an anti-theft device.

  • Vehicle Equipment Discount A discount is offered if vehicles have certain safety or theft-protection features.

  • Electric Vehicle Discount A discount is offered for electric vehicles.

Comparable


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