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Nationwide Car Insurance offers the following types of insurance.
Bodily injury liability
Required in most states, this type of coverage will help pay towards medical bills and loss of income if you cause an accident and another person is injured.
Property damage liability
If you’re at fault in an accident, this coverage, which is a legal requirement in most states, will help towards repairing damage to other people’s vehicles or property, up to your coverage limit. It should also cover your legal defense if a lawsuit is filed against you.
Personal injury protection
Compulsory in certain states, this type of coverage, also known as PIP, can help defray expenses such as medical bills and lost wages. Unlike certain types of insurance, this coverage operates on a no-fault basis, which means it will kick in regardless of who caused the accident.
Uninsured motorist
If you’re in an accident caused by another driver who doesn’t have insurance, this type of protection covers your medical bills and loss of income.
Underinsured motorist
This will protect you if you’re involved in an accident with a motorist who doesn’t have adequate insurance. It includes 2 parts: paying for damage to your and other people’s vehicles, as well as covering lost wages and medical bills.
Medical payments
Often referred to as med pay, this type of coverage helps pay medical costs for you and your passengers. It may also fill the gap if certain costs, such as specialized nursing and dental care, are not covered by your health insurance provider.
Collision
If you’re hit by another vehicle or object, or you hit another object, this type of protection will pay for damage to your vehicle. Crucially, this type of coverage will protect you regardless of who is responsible for the accident.
Comprehensive
Also known as other-than-collision, this coverage will pay for damage to your vehicle as a result of vandalism, theft, and claims involving weather or animals. Towing and labor coverage If you’re in an accident and your car is stuck, broken down, or left inoperable, this protection will cover the expenses you incur as a result.
Rental car expense
This type of coverage provides access to other forms of transport, such as rental cars, if your vehicle is in the repair shop.
Gap coverage
If you’re in an accident and your car is written off, this type of protection may cover the gap between the cash value of your vehicle and the amount you owe on any financing. This means you won’t be left out of pocket.
You can also add the following to your policy.
Accident forgiveness
If you’re involved in your first at-fault accident or receive a minor violation, having this coverage means the incident will not affect the cost of your future premiums.
Roadside assistance
This type of coverage will provide you with 24/7 support if you need fuel, a tire change, tow, or jump start.
Vanishing deductible
You’ll receive a $100 discount on the amount of your deductible for every year you maintain a clean driving record. In theory, your deductible could disappear entirely if you maintain a clean driving record for long enough.
Total loss deductible waiver
If your vehicle is written off, Nationwide will waive the damage deductible on your comprehensive or collision plan.
Nationwide offers multiple ways to save money on your premiums based on your driving habits:
SmartRide
This usage-based insurance program allows you to save up to 40% as a reward for your safe driving habits and offers an instant discount of 10% when you sign up. Once you’ve signed up, you can download an app, which monitors your driving habits and calculates your discounts.
SmartMiles
With this option, you’ll pay a monthly rate for your insurance, which is based on the number of miles you drive. As well as a base rate, you’ll pay a cost per mile each month.
You can apply for a quote online or by phone, and can also choose whether to apply yourself or by finding an agent in your area.
If you’re applying online, the first step is to enter personal information such as your name and the state you live in, and to select all insurance types you require (auto, home, or term life).
You’ll then need to provide more in-depth information such as your:
The provider also requires details of the people you live with, such as their names, dates of birth, and relationship to the primary policyholder.
You’ll also need to provide the following information on the cars you drive:
As you progress, the provider will suggest ways in which you can save, which includes discounts if you:
You can file a claim online, by phone, or via Nationwide’s mobile app by providing:
The provider recommends taking the following photos:
Once you’ve filed a claim, you can check its status via your online account.
One Nationwide Plaza, Columbus, Ohio, 43215-2220
T: 1-877-669-6877
Monday to Friday, 8am-6pm (ET)
One of the largest insurance providers in the US, Nationwide offers a wide selection of auto insurance policies, which includes options for safer and lower mileage drivers to drastically cut the cost of their coverage. We were particularly impressed by the clear and transparent claim process, as well as the freedom to file a claim via an app.
