Nationwide is a major U.S. insurance and financial services company offering auto, home, life and other insurance products. Its auto insurance is designed to provide drivers with protection against covered accidents, vehicle damage, liability claims and other qualifying risks.
Nationwide offers core auto insurance coverage including liability, collision, comprehensive and uninsured/underinsured motorist protection. Depending on the state and policy, drivers can also select additional protection such as roadside assistance, rental-car reimbursement and other optional coverage.
One of Nationwide's key features is its SmartRide® usage-based insurance program. SmartRide evaluates driving behavior and rewards eligible safe drivers with a discount that can reach up to 40%. Nationwide states that the program is designed to provide personalized pricing based on driving behavior.
For drivers who don't drive many miles, Nationwide also offers SmartMiles®, a pay-per-mile insurance program with a flexible monthly rate based on mileage. This can be particularly useful for people who work from home, have short commutes or have an additional vehicle that is driven infrequently.
Nationwide provides several other potential ways for eligible customers to save, including multi-policy bundling, paperless options, payment-related discounts and usage-based insurance programs. The company also advertises savings opportunities when customers combine home and auto insurance, although actual savings vary by state, coverage selections and individual rating factors.
Another advantage is Nationwide's digital experience. Customers can use the Nationwide website and mobile app to manage policies, make payments, access insurance cards and documents, and handle other insurance-related tasks. Nationwide also works with independent insurance agencies, giving customers access to agents who can help compare coverage and determine appropriate policy options.
Nationwide may be particularly suitable for drivers who want customizable auto coverage, safe-driving rewards, pay-per-mile options and multiple ways to reduce premiums. However, pricing and available coverage can vary significantly by state and individual driver profile.
Before purchasing, customers should compare the final premium, liability limits, collision and comprehensive deductibles, optional coverage, exclusions and available discounts with other insurers.
