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Last updated on November 16, 2015

Nationwide Insurance Review

Nationwide motorcycle insurance covers all types of bikes and offers some of the best policy discounts, helping them stand out as one of the leading motorcycle insurance companies in the industry.

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The Good

Some of the best discounts in the industry

Nationwide’s lengthy list of discounts can help you save quite a bit on your motorcycle insurance policy, including up to a 10% discount just for being a responsible driver. For each year you don’t have an accident, Nationwide’s Vanishing Deductible program takes $100 off your deductible until it reaches zero. Taking a motorcycle safety course earns you another 5% off, and if you own your own home, that could get you up to a 19% reduction. Your best chance to save is by insuring one or more motorcycles, or insuring your home, car, or another vehicle through Nationwide. This can earn you up to a 20% discount.

Custom and vintage motorcycle insurance

In addition to insuring standard bikes and trikes, Nationwide motorcycle insurance covers kit and vintage bikes as well as custom motorcycles. This is great because not all motorcycle insurance companies offer these types of coverage due to the fact that paying to repair or replace a custom or vintage bike is almost always significantly more expensive than repairing or replacing a standard motorcycle would be. With Nationwide motorcycle insurance, you can insure your classic bike for up to $30,000 and your custom motorcycle for up to $50,000.

Original Equipment Manufacturer (OEM) endorsement

If you get into an accident on your motorcycle and need to get it repaired, Nationwide motorcycle insurance pays to ensure that original equipment manufacturer parts are used, instead of after-market parts. This is a nice policy, as you can be sure that you are getting high-quality replacement parts, instead of whatever is cheapest for the insurance provider. This is a characteristic that helps set Nationwide motorcycle insurance apart, as not every insurance company offers this service.

The Bad

Can't lock in an agreed-upon price

Nationwide motorcycle insurance doesn’t offer you the option to lock in an agreed-upon value for your bike. If you get into an accident on your motorcycle and your bike is beyond repair, you may not get paid what you feel is the full price. Nationwide is not the only insurance provider that does not give their customers the option to lock in an agreed-upon price, but there are several companies that do offer it.

Representative must contact you with your quote

Although Nationwide does have an online quote tool for their motorcycle insurance, once you enter in all your information, you get a message informing you that a Nationwide motorcycle insurance representative will contact you with your quote. This could be an issue if you are just shopping around and hoping to get a quick quote, because it could take a little while to hear back from Nationwide. Some potential customers may appreciate speaking to a representative before making a purchase, but if you know exactly what you want, it’s much more convenient to get the quote and make the purchase right away.

The Details

Provider Details

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