American Family vs Nationwide Car Insurance for 2023
In this comprehensive analysis of American Family vs. Nationwide car insurance, we delve into the offerings and services of these industry giants, dissecting their strengths and weaknesses to guide you in making an informed choice for your insurance needs.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
UPDATED: Nov 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
In the competitive landscape of car insurance, the battle between American Family and Nationwide supremacy is intense. However, a closer look at the data reveals a clear winner in the realm of rates, where factors like credit score, mileage, coverage level, and driving record play a crucial role. Nationwide emerges as the frontrunner, offering the most advantageous rates for diverse customer profiles. Whether you have a stellar credit score, drive extensive miles, or prioritize comprehensive coverage, Nationwide proves to be the superior choice, providing not just affordability but also a range of discounts and multi-policy benefits. This analysis aims to provide you with a quick, insightful snapshot, guiding your decision-making based on key data insights.
| Factors | American Family | Nationwide |
|---|---|---|
| Clean Record | $117 | $115 |
| 1+ Ticket | $136 | 137 |
| 1+ Accident | $176 | $161 |
| DUI | $194 | $237 |
| Poor Credit | $201 | $198 |
| Discounts | American Family | Nationwide |
|---|---|---|
| Anti Theft | 15% | 35% |
| Good Student | 20% | 10% |
| Low Mileage | 10% | 25% |
| Paperless | 5% | 5% |
| Safe Driver | 45% | 10% |
| Senior Driver | 10% | 10% |
American Family Car Insurance
Pros:
- Long-standing History: Established in 1927, American Family has a rich history and experience in the insurance industry.
- Community Focus: The company is committed to supporting the communities it operates in, reflecting a strong sense of corporate social responsibility.
- Comprehensive Coverage: Offers a range of insurance products including car, home, life, and business insurance, catering to various customer needs.
- Discount Options: Provides various discounts, including safe driver discounts and multi-policy discounts, making insurance more affordable for customers.
- Positive Customer Experiences: Positive customer reviews highlight seamless claims processing and responsive customer service.
- Transparent Information: The company provides clear and transparent information about its policies and services.
Cons:
- Limited Availability: Operates in 19 states, limiting accessibility for potential customers outside these regions.
- Potentially Higher Premiums: Premium rates may be higher for certain demographics or regions, impacting affordability for some individuals.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Nationwide Car Insurance
Pros:
- Extensive Reach: Nationwide operates in all 50 states, ensuring accessibility and availability to a wide customer base.
- Diverse Insurance Products: Offers a comprehensive range of insurance products, similar to American Family, providing customers with various options.
- Multi-Policy Discounts: Provides discounts for customers bundling multiple insurance products, encouraging loyalty and potential cost savings.
- Efficient Claims Processing: Generally offers expedited claim processing, minimizing customer inconvenience in the event of an accident.
- Digital Convenience: User-friendly mobile apps and online account management tools enhance the customer experience.
- Established Reputation: Nationwide’s longstanding reputation in the industry adds to its credibility and trustworthiness.
Cons:
- Possibly Less Personalized: Some customers might find Nationwide’s services less personalized due to its larger scale of operations.
- Mixed Customer Reviews: While generally positive, some customers have reported mixed experiences with claims resolution and customer service.
The Best Car Insurance Company: Nationwide
When considering American Family and Nationwide car insurance companies, one stands out as the superior choice when all factors are taken into account. In our opinion, Nationwide emerges as the best car insurance company.
Nationwide’s competitive edge is primarily attributed to its extensive reach and diverse offerings. With a presence in all 50 states, Nationwide ensures accessibility and availability to a broader customer base, making it a versatile option for those living in various regions.
Moreover, Nationwide’s comprehensive range of insurance products, including car, home, life, and business insurance, allows customers to bundle multiple policies, which often results in significant cost savings. The multi-policy discounts provided by Nationwide not only make insurance more affordable but also encourage customer loyalty.
The company’s efficient claims processing, user-friendly digital tools, and a longstanding reputation in the industry add to its credibility and trustworthiness. Nationwide’s commitment to providing peace of mind and protecting what matters most aligns with the core principles of a reliable insurance provider.
While American Family also offers quality services, its limited availability in 19 states may hinder its accessibility for potential customers outside those areas. Additionally, Nationwide’s broader reach and extensive range of services make it a more versatile choice for customers with varying needs and preferences.
Company History and Mission
American Family Insurance was founded in 1927 by Herman Wittwer, a struggling insurance salesman who had the idea of offering affordable car insurance to farmers in Wisconsin. The company has since expanded and now offers a wide range of insurance products, including car, home, life, and business insurance.
The mission of American Family Insurance is to inspire, protect, and restore dreams. The company is committed to providing its customers with the best possible service and supporting the communities in which it operates.
Nationwide Insurance was founded in 1925 as the Farm Bureau Mutual Automobile Insurance Company, with the aim of providing affordable car insurance to rural drivers. The company has since grown to become one of the largest insurance providers in the US, with a wide range of products and services available to customers.
The mission of Nationwide Insurance is to protect what matters most, including its customers, their families, and their businesses. The company is committed to providing its customers with peace of mind and helping them to protect their assets and financial security.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Products and Services
American Family Insurance offers a wide range of insurance products, including car, home, life, and business insurance. The cost of these services varies depending on a range of factors, including your age, driving record, and location. American Family Insurance operates in 19 states across the US, including Arizona, Colorado, Georgia, and Illinois.
Nationwide Insurance also offers a wide range of insurance products, including car, home, life, and business insurance. The cost of these services also varies depending on a range of factors, including your age, driving record, and location. Nationwide Insurance operates in all 50 states across the US.
Discounts Available for Customers
Both American Family and Nationwide offer a range of discounts to their customers, helping to make car insurance more affordable for everyone. Some of the discounts available include:
- Multi-policy discount: save money by bundling your car insurance with other insurance products, such as home insurance or life insurance.
- Safe driver discount: save money by maintaining a clean driving record.
- Good student discount: save money if you’re a student with good grades.
- Anti-theft device discount: save money if your car is equipped with an anti-theft device.
- Accident-free discount: save money if you haven’t had an accident in a certain number of years.
Case Studies: Comparing American Family vs Nationwide Car Insurance
Case Study 1: John’s Experience With American Family Car Insurance
John, a resident of Arizona, decided to switch his car insurance provider in 2023. After researching various options, he chose American Family Insurance for its competitive rates and positive customer reviews. John was impressed with the comprehensive coverage options offered by American Family, including roadside assistance and multi-policy discounts.
Throughout his policy period, John had a seamless experience with American Family’s claims process and found their customer service to be highly responsive and helpful.
Case Study 2: Sarah’s Journey With Nationwide Car Insurance
Sarah, a driver from Illinois, sought a reliable car insurance provider and opted for Nationwide Insurance in 2023. She was attracted to Nationwide’s extensive range of insurance products and their long-standing reputation in the industry. Sarah bundled her car insurance with her existing home insurance policy, which allowed her to take advantage of Nationwide’s multi-policy discount.
She appreciated the competitive rates and personalized customer service provided by Nationwide. In the unfortunate event of a minor accident, Sarah found Nationwide’s claims process to be efficient and hassle-free.
Case Study 3: Mark’s Comparison of American Family and Nationwide
Mark, a budget-conscious driver from Colorado, embarked on a comprehensive comparison of car insurance providers before making his decision. He carefully evaluated both American Family and Nationwide, considering factors such as coverage options, discounts, and customer reviews.
After obtaining quotes from both companies, Mark found that American Family offered him a more affordable premium with similar coverage. He appreciated the user-friendly online quote tool provided by American Family and found their website to be informative and easy to navigate.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Navigating American Family vs. Nationwide Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Both American Family and Nationwide offer convenient methods for filing insurance claims. Policyholders can file claims through their respective websites, over the phone, or using mobile apps. These user-friendly options make it easy for customers to report accidents and initiate the claims process.
Average Claim Processing Time
The efficiency of claim processing is a critical factor in assessing an insurance provider. While specific processing times can vary based on the complexity of each claim, both American Family and Nationwide aim to expedite the process to minimize customer inconvenience. Generally, policyholders can expect a reasonable turnaround time for their claims.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a pivotal role in evaluating insurance companies. American Family and Nationwide have received feedback from customers regarding their claim resolutions and payout experiences. This feedback can provide valuable insights into the overall customer satisfaction with the claims process, helping potential policyholders make informed decisions.
Exploring Digital and Technological Advancements of American Family vs. Nationwide
Mobile App Features and Functionality
Both American Family and Nationwide offer mobile apps that provide policyholders with a range of features and functionalities. These apps typically allow users to access their insurance information, pay premiums, file claims, and even request roadside assistance. Evaluating the usability and convenience of these mobile apps is crucial for policyholders who prefer digital interactions.
Online Account Management Capabilities
Policyholders often rely on online account management portals to handle various aspects of their insurance policies. American Family and Nationwide offer online account management capabilities that allow customers to view policy details, make changes to coverage, and access important documents. Assessing the user-friendliness and comprehensiveness of these online tools is essential for those who prefer self-service options.
Digital Tools and Resources
In today’s digital age, insurance providers offer an array of digital tools and resources to enhance the customer experience. These may include educational resources, insurance calculators, and tools to help policyholders better understand their coverage options. Evaluating the availability and usefulness of these digital resources can assist potential policyholders in making well-informed decisions about their insurance needs.
Customer Reviews
When it comes to choosing a car insurance provider, customer reviews can be a helpful source of information. Here’s a summary of customer reviews of both American Family and Nationwide:
- American Family Insurance has an A+ rating with the Better Business Bureau (BBB) and is rated 4.6 out of 5 stars on Trustpilot, with customers praising the company’s customer service and claims handling.
- Nationwide Insurance has an A+ rating with the Better Business Bureau (BBB) and is rated 4.4 out of 5 stars on Trustpilot, with customers praising the company’s range of products and services.
Frequently Asked Questions
How do I qualify for a safe driver discount with American Family and Nationwide?
To qualify for a safe driver discount, you generally need to maintain a clean driving record for a certain number of years. This means avoiding accidents, traffic violations, and other driving offenses. The specific requirements for a safe driver discount can vary depending on the insurance provider and the state where you live.
Can I get a discount for bundling my car insurance with other insurance products?
Yes, both American Family and Nationwide offer a multi-policy discount for customers who bundle their car insurance with other insurance products, such as home insurance or life insurance. This can help you save money on your overall insurance costs.
How do I file a claim with American Family and Nationwide?
To file a claim with American Family or Nationwide, you can typically do so online, over the phone, or through a mobile app. You will need to provide details about the incident, such as the date and time of the accident, the location, and any other relevant information. The insurance provider will then review your claim and determine whether it is covered under your policy.
Do American Family and Nationwide offer roadside assistance?
Yes, both American Family and Nationwide offer roadside assistance as part of their car insurance policies. This can include services such as towing, jump-starts, and flat tire changes. The specifics of the roadside assistance coverage can vary depending on your policy and the state where you live.
What digital tools and resources do American Family and Nationwide offer?
American Family and Nationwide provide mobile apps and online account management capabilities. These tools allow policyholders to access their insurance information, pay premiums, file claims, and even request roadside assistance.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.