Nationwide Auto Insurance: Protecting You on the Road
Staying protected on the road is vital, and Nationwide offers a range of auto insurance options to provide you with peace of mind. Whether you’re looking for basic coverage or comprehensive protection, Nationwide helps you tailor a policy to your needs.
Benefits of Nationwide Auto Insurance
Choosing Nationwide for your auto insurance has several advantages, including:
- Financial Safety Net: Auto insurance helps cover expenses related to medical costs, legal fees, and property damage that can arise from an accident.
- Customizable Coverage: Tailor your policy to get the coverage that precisely addresses your needs and budget.
- On Your Side Claims® Service: Receive personal service, including an annual review with your insurance professional.
- On Your Side Auto Repair Network®: Get a written guarantee on your car repairs when you choose a facility within this network.
- Discounts: Combine multiple policies and take advantage of usage-based programs like SmartRide® and SmartMiles® to potentially save money.
Auto Insurance Coverages and Discounts
Nationwide offers a wide array of coverages and discount programs:
Core Coverages
- Collision: Pays for damage to your car, no matter who is at fault.
- Comprehensive: Also known as “other than collision,” covering vehicle damage from vandalism, theft, weather events, and accidents involving animals.
- Liability: Provides coverage if you cause an accident resulting in injuries or property damage to others by paying for damages you become legally liable for, including medical bills and income loss.
- Gap Coverage: May cover the “gap” between what you owe on your car and its actual cash value if your vehicle is totaled or stolen.
- Uninsured Motorist: If an uninsured driver causes an accident resulting in property damage and/or injuries, this coverage may help pay for damages and medical costs for you and your passengers.
- Medical Payments: Helps to pay medical expenses for you or your passengers’ medical bills if involved in an accident.
Discounts
- Accident Forgiveness®: Avoid a rate increase after your first accident.
- Bundling: Save an average of 15% or more by bundling your auto and home insurance policies.
- Usage-Based Programs:
- SmartRide®: Earn an instant 10% discount for enrollment. Your driving habits determine whether you can receive up to 40% savings.
- SmartMiles®: If you drive less, pay less with a flexible monthly rate.
Understanding Your State’s Requirements
Auto insurance is not only smart protection but is also a legal requirement in every state. The minimum coverage requirements vary depending on where you live, but most states mandate liability coverage. Additional coverages you might consider are personal injury protection, uninsured/underinsured motorist coverage, collision and comprehensive. Get a quote today and make sure you stay protected and legal.
Managing Policies and Filing Claims
Nationwide enables you to manage your policies and claims from any device. Easily access these features:
- View and print ID cards and policy documents.
- Request changes to your coverage.
- Make payments.
- Start or check on a claim.
Frequently Asked Questions
How can I get a discount on my car insurance?
Nationwide offers a wide variety of ways to get affordable car insurance through bundling multiple policies, a safe driving record, and other discounts:
- Bundling: Combine your home, auto, and other policies with one carrier to save an average of $1,032.
- Safe Driving: You may be eligible for reduced rates if you have an accident-free or safe driving record.
- Usage-Based Insurance: Explore options such as SmartRide and SmartMiles.
Is car insurance cheaper if you bundle?
Yes! Nationwide can help you save an average of $646 when you bundle your home and auto policies, which is one of the best ways to lower your insurance costs.
How much is car insurance?
Car insurance prices depend on factors such as your location, driving record, and the type of car you own. Nationwide helps you understand these factors and what discounts are attainable to help you save money.
What type of car insurance should I get?
Minimum coverage requirements vary by state, but liability coverage for bodily injury and property damage is mandatory for most states. It’s important to research the minimum requirements for where you live and to consider how other coverage fits your needs.
What information do you need for a car insurance quote?
Gathering this information will help you get a quote faster:
- Personal Information: Name, address, social security number, marital status, and driver’s license number.
- Vehicle Information: Make, model, year, VIN, safety features, and weekly mileage.
- Drivers’ Information: List all drivers, their ages, and any safety courses completed.
How do I file a car insurance claim with Nationwide?
Filing a claim is easy, and it’s done through your account.
Auto Insurance Terminology
To help you understand your options, Nationwide offers definitions for common car insurance terms:
- Deductible: The portion of a claim you’re responsible for paying. A higher deductible often lowers premiums.
- Premium: The cost of your insurance policy, payable annually, semi-annually, or monthly.
- Liability: Your legal responsibility for injury or damage to another person.
- Limit of Liability: The highest amount of coverage available under your insurance policy.
Additional Resources
- Online Services: Nationwide offers online tools to manage your policies and claims.
Disclaimer: Average annualized savings on home and auto premiums, compared to stand-alone price of each policy, based on a national sample from March – May 2024.
