Nationwide vs Root Car Insurance for 2023

When it comes to car insurance, Nationwide car insurance and Root car insurance are two popular choices. Nationwide is a well-established company with a long history of providing insurance and financial services, while Root is a newer company that uses technology to personalize your rates based on your driving habits.

• Nationwide is one of the largest insurance and financial services companies in the world, with over 90 years of experience.
• Nationwide offers a variety of insurance products, including car insurance, homeowners insurance, and life insurance.
• Root is known for its user-friendly app that tracks your driving behavior and provides feedback to help you become a safer driver.
• Root is committed to transparency and offers a straightforward pricing structure that eliminates hidden fees and surcharges.

In this article, we’ll take a closer look at these two companies to help you determine which one is best for you.

History and Mission of Nationwide vs Root

Nationwide was founded in 1926 as the Farm Bureau Mutual Automobile Insurance Company. Today, it is one of the largest insurance and financial services companies in the world, with over 28,000 employees and more than $245 billion in assets. Nationwide’s mission is to help people protect what’s important to them and plan for a secure financial future.

Root, on the other hand, was founded in 2015 with the goal of disrupting the traditional insurance industry. Root uses data and technology to offer personalized car insurance rates based on your driving behavior. The company’s mission is to make car insurance more fair and accessible by using technology to reward safe drivers with lower rates.

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Coverage Options Available at Nationwide and Root

Both Nationwide and Root offer car insurance, but Nationwide also offers a variety of other insurance and financial services, including homeowners insurance, life insurance, and retirement planning. Nationwide’s car insurance policies include liability coverage, collision coverage, and comprehensive coverage, as well as options for roadside assistance and rental car reimbursement.

Root’s car insurance policies are designed to be personalized based on your driving behavior. When you sign up for Root, you download the company’s app, which tracks your driving habits using your phone’s sensors. Root uses this data to determine your driving score and offer you a customized rate. Root’s policies include liability coverage, collision coverage, and comprehensive coverage, as well as options for rental car reimbursement and roadside assistance.

Cost of Nationwide and Root Car Insurance

The cost of car insurance varies depending on a variety of factors, including your age, driving history, and location. Nationwide offers car insurance in all 50 states, and the cost of their policies varies depending on the coverage you choose and where you live. Nationwide also offers discounts for safe drivers, multiple cars, and bundling your car insurance with other insurance products.

Root car insurance is currently available in 30 states and is expanding rapidly. The cost of Root’s car insurance policies varies depending on your driving habits and location. Root offers discounts for safe drivers and for bundling your car insurance with homeowners or renters insurance.

Car Insurance Discounts Offered by Nationwide and Root

Nationwide offers a variety of discounts to help customers save money on their car insurance premiums. Here are some of the most common discounts available from Nationwide:

• Multi-policy discount: If you have more than one insurance policy with Nationwide, such as car insurance and homeowners insurance, you can save money by bundling your policies.
• Safe driver discount: If you have a clean driving record and no recent accidents or traffic violations, you may be eligible for a safe driver discount.
• Good student discount: If you’re a student with good grades, you may be eligible for a discount on your car insurance premiums.
• Anti-theft discount: If your car has anti-theft devices such as an alarm or a tracking system, you may qualify for a discount on your insurance.
• Accident-free discount: If you have been insured with Nationwide for at least five years and have no at-fault accidents or moving violations, you may be eligible for an accident-free discount.

Root also offers discounts to help customers save money on their car insurance. Here are some of the most common discounts available from Root:

• Safe driving discount: Root’s entire business model is built around safe driving, so it’s no surprise that they offer discounts to safe drivers. If you score well on Root’s driving test and maintain safe driving habits, you may be eligible for a discount.
• Multi-car discount: If you have more than one car insured with Root, you may qualify for a discount on your premiums.
• Homeowners discount: If you own a home and insure it with Root, you may be eligible for a discount on your car insurance premiums.
• Paperless discount: If you opt for paperless billing and communication, you may be eligible for a discount on your insurance premiums.
• Good credit discount: Root believes that drivers with good credit are generally more responsible and therefore less likely to get into accidents. If you have good credit, you may qualify for a discount on your insurance premiums.

It’s worth noting that the availability and amount of discounts may vary depending on your location, driving record, and other factors. Be sure to check with each company to see which discounts you may be eligible for.

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Case Studies: Nationwide vs Root Car Insurance

Case Study 1: John’s Experience with Nationwide Car Insurance

John, a 35-year-old driver from California, recently purchased car insurance from Nationwide. He was attracted to Nationwide’s long-standing reputation and wide range of coverage options.

John had a clean driving record and was able to take advantage of Nationwide’s safe driver discount. He found the rates offered by Nationwide to be competitive, and the customer service he received was excellent. Overall, John had a positive experience with Nationwide car insurance.

Case Study 2: Sarah’s Experience with Root Car Insurance

Sarah, a 28-year-old driver from Arizona, decided to try Root car insurance due to its personalized rates based on driving behavior. She downloaded the Root app and allowed it to track her driving habits.

Sarah had always been a cautious driver, and Root rewarded her safe driving with a lower rate compared to other insurance providers. She appreciated the convenience of the app and found the signup process to be straightforward. Sarah had a positive experience with Root car insurance and enjoyed the savings it offered.

Case Study 3: Michael’s Comparison of Nationwide and Root Car Insurance

Michael, a 40-year-old driver from Texas, was in the market for a new car insurance provider. He decided to compare Nationwide and Root to find the best option for his needs. Michael gathered quotes from both companies and carefully reviewed their coverage options and discounts.

After comparing the rates, Michael found that Nationwide offered slightly higher premiums compared to Root. However, Nationwide’s long history and reputation gave him a sense of security. He appreciated the variety of coverage options and the availability of additional insurance products, such as homeowners insurance, offered by Nationwide.

On the other hand, Michael was intrigued by Root’s innovative approach to car insurance based on driving behavior. He liked the idea of personalized rates and the potential for savings if he maintained safe driving habits. The simplicity of the Root app and the ease of tracking his driving data appealed to him.

In the end, Michael chose Nationwide for its established reputation and the peace of mind it provided. While he recognized the potential cost savings with Root, he prioritized the stability and comprehensive offerings of Nationwide for his insurance needs.

Customer Reviews: Nationwide and Root Car Insurance

Nationwide car insurance has generally positive customer reviews, with many customers praising the company for its affordable rates, excellent customer service, and wide range of coverage options.

Root is a relatively new car insurance provider, but it has already gained a following among customers who appreciate its innovative business model and affordable rates.

As with any company, it’s important to read a variety of reviews and do your own research before choosing an insurance provider. Customer experiences can vary widely, and what works for one person may not work for another.

Roundup: Nationwide and Root

Nationwide has been around for over 90 years and has a strong reputation for excellent customer service and a wide range of coverage options. They offer policies in all 50 states, which makes them a convenient option for many customers. Nationwide also offers a range of discounts to help customers save money on their premiums.

Root, on the other hand, is a relatively new insurance provider that uses telematics technology to track driving habits and offer customized rates to safe drivers. Root’s rates are often more affordable than those offered by other insurance providers, which makes it an attractive option for price-conscious customers. However, Root is currently only available in a limited number of states.

Ultimately, the best car insurance company for you will depend on your individual needs and preferences. It’s important to shop around, compare quotes, and read customer reviews before making a decision. By doing so, you can find an insurance provider that offers the right balance of coverage, price, and customer service for you.

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