Nationwide Car Insurance Review

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Nationwide Mutual Insurance is a huge national conglomerate operating as a mutual insurance company. Based in Columbus, Ohio, Nationwide also has large regional offices in Des Moines, San Antonio, Gainesville, and Lynchburg. Nationwide offers a variety of insurance products and also handles financial services through its subsidiaries.

Nationwide History

Nationwide had humble beginnings, however. In 1925, the Ohio Farm Bureau incorporated a small mutual insurance company to handle car insurance for farmers. From a 1,000-customer original base, Nationwide grew to its present size of over 50 holding companies and millions of customers, becoming one of the largest insurance agencies in the United States and one of the largest employers in the insurance industry, with over 36,000 employees.

While the Nationwide Mutual Group offers all types of insurance and financial services, car insurance is what Nationwide is famous for. Given its beginnings as a mutual automobile insurance company, this is not surprising; car insurance has always been the focus of this company, and its current offerings of policies, discounts, and affordable premiums is a result of years of experience in the car insurance business.

While Nationwide has been targeting direct marketing customers recently through a growing television advertising campaign, the company’s primary method of business is through a network of independent agents across the nation. There are thousands of independent agents across the country marketing Nationwide’s products, and Nationwide services are available in almost every town of any size across the nation.

Nationwide Car Insurance

Nationwide has refined its automobile policy offerings to the point that the company offers quite a few perks not available from many other insurers. Nationwide offers a 100 percent repair guarantee no matter what the age of your vehicle, 24/7 Nationwide claims service through its “On Your Side” program, and free reviews to ensure that you have the best possible coverage for your automobile.

Nationwide offers a variety of car insurance types to suit every need and budget. You can purchase bodily injury and property damage liability, collision, comprehensive, and uninsured motorists with a basic Nationwide policy. You can also purchase additional coverage such as medical expenses or personal injury protection for no-fault states, towing and labor reimbursement, and rental car reimbursement add-ons. Nationwide’s “family reimbursement” is another add-on which is very useful for people who do not have current short- or long-term disability coverage. This policy pays your lost wages due to an auto accident while you are unable to work, and is the type of policy not offered by many smaller companies. The size and strength of Nationwide make the company able to offer extras of this type which attract many customers.

How much is Nationwide car insurance per month?

Nationwide insurance is not the least expensive of most policies, but you can find numerous discounts which will enable you to lower your insurance premiums. The “discount finder” option will actively scan your policy every six months to be sure that you are receiving all applicable deductions to your premium price. Discounts include good driver, driver training and defensive driving courses, good student, accident-free, multi-policy, multi-car, long-term policyholder, passive restraints, anti-theft devices, affinity for those in various organizations, and Farm Bureau member discounts.

Nationwide Vanishing Deductible

Nationwide also helps you curb your costs if you do have an accident. “Vanishing deductible” is a new program which allows you to lower your deductible by $100 every year you are accident free. If you have your policy for five years with a $500 deductible, then have an accident, you will pay nothing toward your car repairs. Similarly, “accident forgiveness” allows you to make a claim for a small, low-cost accident without raising your premiums.

Nationwide Technology

Nationwide has gotten into the “technology” age with several great features, and was voted one of 2010’s “Best Apps” for the downloadable iPhone® app which allows users to manage their insurance account through their smart phone. Nationwide’s website is one of the most user-friendly in the business; you can manage your account online, chat with a representative, and access tons of useful information through the website which allows you to handle most of your insurance business with ease. You can also view claims and communicate with adjustors and agents right through the website. For those less comfortable with the internet, 24-hour phone support is also available.

Of course, a company as large as Nationwide does not offer only car insurance. The Nationwide Mutual Group has dozens of subsidiary companies and offers such products as homeowners insurance, umbrella policies, and life insurance as well as financial and asset management plans. For those owners of “unique” vehicles, Nationwide offers coverage for boats, trailers, motorcycles, RVs, snowmobiles, and other types of motorized vehicles. You can tie all your insurance policies together and receive a substantial discount if you have multiple Nationwide policies, such as homeowner’s, automobile, and boat insurance. Nationwide also insurers such groups as renters and condo owners, and provides identity theft services. The size of the Nationwide Mutual Group means that Nationwide customers are well-protected when it comes to claims.

Nationwide Customer Service

One complaint about the company seems to be personal service, however. Despite its network of agents, Nationwide service is ranked as “average” or “below average” in the J. D. Power’s annual rankings of insurance companies. This could be due to the lack of personal service inherent in a large company, or it could be because more customers have problems with filing Nationwide claims. In the Power’s rankings, Nationwide ranked 22nd in the nation, not a good showing for a company of this size. Of course, most of the top ten spots are taken by smaller companies which specialize in personal service, but even so large companies like State Farm and Progressive ranked higher than Nationwide in overall customer satisfaction.

Despite some poor customer reviews, Nationwide remains one of the largest car insurance companies in the country, so it is obvious many people are satisfied with their service. Getting a quote from Nationwide – which can be done directly through their website or through an agent – can give you a better idea of exactly how well this company will fit your budget and your insurance needs.

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