Nationwide Auto Insurance provides drivers with coverage designed to help protect against financial losses resulting from accidents, vehicle damage, theft and liability claims. Customers can select from a range of coverage options, including liability, collision, comprehensive and uninsured/underinsured motorist coverage, with additional protections available depending on the state and policy.
Liability coverage can help pay for covered injuries or property damage when the insured driver is responsible for an accident. Collision coverage helps protect the insured vehicle after a covered collision, while comprehensive coverage generally applies to non-collision events such as theft, vandalism, fire, hail and certain weather-related damage.
One of Nationwide's main advantages is its selection of discounts and savings programs. Eligible customers may qualify for savings for maintaining a safe driving record, insuring multiple vehicles, bundling home and auto insurance, completing approved defensive-driving courses, having qualifying safety features and choosing certain payment options. Discounts and eligibility vary by state.
Nationwide also offers SmartRide, a usage-based insurance program that evaluates driving behavior. Drivers can potentially receive a discount based on qualifying driving habits. This program may be particularly appealing to customers who are comfortable sharing driving information and consistently practice safe driving.
Another benefit is Nationwide's Vanishing Deductible option. Eligible customers can reduce their collision deductible for each year they maintain a clean driving record, subject to program terms and limits. This can provide an additional incentive for drivers to maintain safe driving habits.
Customers can also choose optional coverage based on their needs. Depending on the state, Nationwide may offer roadside assistance, rental car reimbursement, accident forgiveness, gap insurance and other vehicle protections. These options can increase the policy cost but may provide additional financial protection following an accident or covered event.
Nationwide provides online tools that allow customers to request quotes, manage policies, make payments, access insurance documents and report claims. Customers who prefer personal assistance can also work with a Nationwide agent.
The cost of Nationwide Auto Insurance depends on factors such as the driver's age, driving record, location, vehicle, annual mileage, claims history, selected coverage limits and deductible. Since premiums can vary considerably, customers should compare personalized quotes while evaluating the coverage and benefits included in each policy.
