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Looking for a comprehensive Nationwide auto insurance review? Congratulations — you’re in the right place.
The good news for potential customers like you is that Nationwide provides a number of insurance products to its customers. If you’re looking for auto insurance, homeowners insurance, business insurance, or rental insurance — Nationwide is, in the words of its famous slogan, “on your side.” So much so, it has grown into one of the largest insurance companies on the planet.
Thanks to this comprehensive auto insurance review, you can begin to discover whether Nationwide is really the insurer for you. You can also begin shopping rates by entering your ZIP code into our free car insurance comparison tool.
First thing’s first: Nationwide offers a number of coverage options to its customers.
This is important when you consider that car insurance not only protects your vehicle, but it also helps protect you financially and legally.
Let’s break this down some more.
Liability insurance pays for medical expenses and other bills incurred by people who have been injured in an accident. This type of coverage can also be used to pay for lost wages and legal expenses incurred by a person injured in an accident.
Liability insurance coverage also includes property damage insurance. This type of coverage is used to pay for the cost of repairing the other driver’s vehicle. It can also be used to pay for the cost of making repairs to fences, mailboxes, sheds, and buildings.
Buying comprehensive insurance means that you are protected from financial loss if your vehicle is damaged in a non-collision incident. For example, if your vehicle is stolen or is vandalized, comprehensive coverage kicks in to reimburse you for your loss. It also covers you for a loss incurred as the result of fire, a storm, flooding, or wind damage.
Collision coverage is exactly what it sounds like. If you hit another vehicle, or your car is damaged by another vehicle hitting you, this type of insurance will pay out for your loss to cover the cost of repairs. You will, of course, need to pay your deductible first.
Another type of car insurance coverage offered by Nationwide is uninsured or underinsured motorist coverage. If your vehicle is damaged or you sustain injuries in an accident caused by a driver who either doesn’t have insurance coverage in place, or who doesn’t have enough coverage in place to pay your claim, this coverage makes up the difference.
In the case of a driver who doesn’t have enough insurance coverage, his or her policy will pay out up to the policy limits. After that point, any other expenses must be paid for by you personally.
Buying uninsured/underinsured driver coverage is a good investment, since you may not have a way to recover lost wages otherwise.
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Nationwide is also known for its homeowners insurance coverage. The company offers basic protection for your property, along with coverage for personal property that isn’t included in a standard policy. For instance, separate coverages for items such as jewelry, watches, antiques, or fine art can also be added to a homeowners’ policy.
Something else to keep in mind?
The company can also cover a homeowner for up to an additional 20 percent of their home coverage limit.
This is a good feature to have in place if you suffer a total loss and need to have money to rebuild your home, bringing it in line with current prices.
Newsflash: Customers who are renting their living space are not covered under their landlord’s insurance policy for all losses. The landlord’s policy may cover damage to the structure itself, but you need to have separate coverage in place to protect your belongings in case of fire, flood, or another kind of loss. This is known as renters insurance, and type of policy also protects you if someone is injured accidentally in your unit.
You can qualify for a discount on your rental insurance from Nationwide by installing a burglar alarm or electronic monitoring system. Making sure that all exterior doors have deadbolts is another way that you can get a break on the price of your renters’ insurance.
Here’s a money-saving tip: When you ask for a quote from an insurance company like Nationwide, be sure to ask whether the company offers a discount on pricing when a customer buys more than one policy.
Many companies will reward customers who buy their car insurance from the same company that holds their homeowners’ or renters’ policy by offering them lower rates.
For those who own a business, Nationwide has options. In fact, Nationwide claims to serve over half a million small businesses across the nation, through a variety of commercial insurance products.
Among the provider’s options for business insurance? Commercial auto, commercial property, and general liability insurance.
To compare rates from companies like Nationwide and other quality providers, all you need to do is take advantage of our free car insurance comparison tool. Getting started is easy — begin now by entering your zip code into our tool.
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