Nationwide

Car Insurance
Car Insurance Company
3.9
out of 599 user reviews

Insurance Coverage

Nationwide Car Insurance provides you and your car against vandalism, animals, weather, bodily injuries and accidents with other vehicles. The policy schemes are constructed in a way to protect you from all the on-road elements that pose a safety risk or concern. What’s more? Nationwide provides a range of options and coverages that can be customized by you in order to suit your lifestyle and to cater to your insecurities independently.

This wide scope of coverages offered by Nationwide is sure to address all your potential concerns to give you optimum safety and protection against untoward accidents and events. Coverage options include the entire package; everything from safeguarding your auto vehicle for physical damage to insuring you and your passengers against any bodily injuries or mental trauma.

Coverage Options

Nationwide Car Insurance provides an extensive list of deliverables and possesses a wider scope of coverage options than most other cheap car insurance companies in the industry.

Liability Coverage

This is the most basic insurance needed to drive a car on U.S. roads in all the states. And still, unlike Nationwide, most liability coverages offered by other insurance firms do not guarantee complete protection in the event of an accident. Nationwide provides a descriptive list of liability policies so that you can choose one according to your needs and budget.

●       Bodily Injury Coverage
This coverage scheme may help in covering the costs incurred if anyone is killed or injured in an accident as long as the nature of the accident is within the scope of the contract. It also includes coverage of medical costs, income loss and legal fees in case of a trial.

●       Property Damage Coverage
This policy helps cover the costs incurred due to physical damage inflicted to an opposite party’s car for an accident you were responsible for. It might also cover expenses due to damage to other property like the curb or fences.

Liability Coverage only insures you, not your car. In the event of an accident, this policy covers costs incurred due to damage caused to you, but does not pay for any expenses related to the damage of your car.

Collision Coverage

Nationwide Car Insurance provides a Collision Coverage policy that, unlike the liability coverage, covers physical damage caused to your own vehicle in the event of an accident. While the liability policy covers only expenses to be paid due to damage inflicted on the opposite party’s vehicle, this policy covers expenses for the repair or replacement of your personal vehicle.

While it is not legally necessary to hold a Collision Coverage, it is fairly dependent on how old your vehicle is and whether it makes sense monetarily. Your driving skills and nature can also be a point of consideration before choosing a collision coverage. The premiums and deductibles are usually equated so if one goes up in cost, the other falls down. It is essential to decide the perfect balance for the two.

Comprehensive Car Insurance

This policy covers damages caused by factors other than an accident with another vehicle. It provides an additional layer of protection against the unexpected. It might include the following coverages-

●       Car theft or damage caused by vandalism

●       If your car hits a deer or any animal

●       Damages due to fire or an external explosion

●       Damage due to natural calamities like hailstorms

●       Damage due to debris and falling entities like trees

●       Damage due to civil commotion

Affordability

These coverage policies cost a lot depending on the scope of the coverage, the deductibles and the limit of the policy chosen. The maximum amount your insurance policy will cover in case of an event is called the limit of the policy. If you have incurred damages worth $15000 but the limit of your chosen policy is only $10000, the balance will have to be paid out of your pocket.

While it is advisable to select a high limit policy to avoid such a scenario, it ends up being a question of affordability. How much you choose to buy beyond the state’s minimum limit is dependent on the money you are willing to invest. If you possess flexible assets, it is smart to purchase a higher limit policy in order to avoid additional costs. The limit for a liability insurance also depends on the state of registration, but choosing a lower limit policy comes with the risk of having to pay extra money in case an event occurs which cannot be fully claimed for.

Customer Satisfaction

Customer Satisfaction Rating: 
3.9
out of 599 user reviews

Although Nationwide Car Insurance quotes are rather reasonable and in alignment with market standards, Nationwide Car Insurance reviews have not appeased to customers as well as they had advertised. According to reviews online, they have been unorganized regarding the tracking of payments by their customers and have always almost cancelled the impending policies without any appropriate investigation.

Survey Review Data

Financial Stability

Financial Stability Rating: 
3.3
out of 599 user reviews

Nationwide promises a range of coverage schemes that look to secure you financially and offer enough stability for you to provide protection for yourself as well as your property.

Contact Info

Website: 
https://www.nationwide.com
General Phone Number: 
1-877-669-6877
Customer Service Phone: 
1-800-421-3535

Nationwide Headquarters 
One Nationwide Plaza 
Columbus, Ohio 43215-2220