Nationwide Assurance Company Review (2024)
Nationwide Assurance Company stands as a reliable and customer-focused insurance provider, offering a diverse range of coverage options for individuals, families, and businesses in an ever-evolving insurance landscape.
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Nationwide Assurance Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A+Complaint Level:
LowPros
- Comprehensive range of insurance options
- Competitive rates for policies
- Excellent customer service and online account management
- Nationwide network of agents and service centers
- Financially stable company
Cons
- Eligibility Variation
- Competitor Challenges
- Claim Processing Time
- Limited Creative Flourish in Introduction
- Mobile App Enhancement Opportunity
Nationwide Assurance Company, a trusted name in the insurance industry, offers a comprehensive array of insurance coverage options to safeguard individuals, families, and businesses.
From auto and home insurance to life and business coverage, Nationwide Assurance provides tailored solutions backed by competitive rates and a commitment to customer satisfaction. Their multi-policy discounts, safe driver incentives, and additional benefits like identity theft protection make them a compelling choice for cost-conscious consumers.
With a low complaint level and a nationwide network of agents and service centers, Nationwide Assurance stands out as a reliable and customer-focused insurance provider, ensuring peace of mind and financial security for policyholders in an ever-changing world.
Nationwide Insurance Coverage Options
Nationwide Assurance Company provides a wide range of coverage options to meet the diverse needs of their policyholders. Here are the coverage options offered by the company, presented in a bullet list:
Auto Insurance Coverage
- Liability Coverage: Protects you if you’re responsible for an accident and covers the other party’s medical bills and property damage.
- Collision Coverage: Pays for damage to your vehicle in the event of a collision, regardless of fault.
- Comprehensive Coverage: Covers non-collision incidents such as theft, vandalism, and natural disasters.
- Uninsured/Underinsured Motorist Coverage: Provides protection if you’re in an accident with a driver who lacks insurance or has insufficient coverage.
Home Insurance Coverage
- Dwelling Coverage: Protects your home’s structure from damage caused by covered perils like fire or windstorms.
- Personal Property Coverage: Covers your belongings inside the home, such as furniture, electronics, and clothing.
- Liability Coverage: Offers protection if someone is injured on your property, and you’re found responsible.
- Additional Living Expenses: Helps cover the cost of temporary housing if your home becomes uninhabitable due to a covered event.
- Personal Liability Umbrella: Provides extended liability coverage beyond your standard policy limits.
Life Insurance Coverage
- Term Life Insurance: Offers coverage for a specified term, providing financial protection to your beneficiaries.
- Whole Life Insurance: Provides lifetime coverage with a cash value component that can grow over time.
- Universal Life Insurance: Combines a death benefit with flexibility in premium payments and potential cash value growth.
- Variable Life Insurance: Allows policyholders to invest in various investment options within the policy, potentially increasing the cash value.
Business Insurance Coverage
- General Liability Insurance: Protects against claims of bodily injury or property damage resulting from business operations.
- Commercial Property Insurance: Covers damage or loss of business property, including buildings and inventory.
- Business Interruption Insurance: Helps replace lost income and covers expenses if your business can’t operate due to a covered event.
- Workers’ Compensation: Provides benefits to employees injured on the job, including medical expenses and lost wages.
- Commercial Auto Insurance: Offers coverage for vehicles used for business purposes, including liability and physical damage protection.
Additional Coverage Options
- Renters Insurance: Covers personal property and liability for renters.
- Umbrella Insurance: Provides additional liability protection beyond the limits of your other policies.
- Flood Insurance: Protects against flood-related damages, which are typically not covered by standard home insurance.
- Identity Theft Protection: Helps mitigate the financial and legal consequences of identity theft.
These comprehensive coverage options allow policyholders to tailor their insurance plans to their specific needs, providing peace of mind and financial security in various aspects of life, whether it’s protecting their vehicles, homes, businesses, or loved ones.
Read more: Nationwide General Insurance Company: Customer Ratings & Reviews
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Nationwide Insurance Rates Breakdown
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| Driver Profile | Nationwide Assurance Company | National Average |
|---|---|---|
| Clean Record | $115 | $45 |
| 1+ Ticket | $137 | $56 |
| 1+ Accident | $161 | $66 |
| DUI | $237 | $81 |
| Poor Credit | $197 | $78 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Nationwide Discounts Available
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| Discount | Nationwide Assurance Company |
|---|---|
| Anti Theft | 3% |
| Good Student | 5% |
| Low Mileage | 5% |
| Paperless | 3% |
| Safe Driver | 10% |
| Senior Driver | 12% |
Nationwide Assurance Company not only prioritizes comprehensive coverage but also understands the importance of affordability. With a commitment to helping policyholders save, Nationwide Assurance offers a range of discounts tailored to various needs, making quality insurance more accessible.
- Multi-Policy Discount: Customers can save by bundling multiple insurance policies, such as auto and home insurance, with Nationwide Assurance.
- Safe Driver Discount: Policyholders with a clean driving record and no recent accidents or violations can enjoy reduced rates.
- Good Student Discount: Students with good academic records often qualify for lower rates on their auto insurance.
- Anti-Theft Discount: Installing anti-theft devices in your vehicle can lead to additional savings on your policy.
- Home Safety Features Discount: If your home is equipped with safety features like smoke detectors or security systems, you may be eligible for discounts on your home insurance.
- Life Insurance and Multi-Car Discounts: Customers who have life insurance policies with Nationwide Assurance or insure multiple cars with them can often access additional savings.
- Paperless Billing and Automatic Payments: Enrolling in paperless billing and setting up automatic payments can lead to discounts.
- Affinity Group Discounts: Nationwide Assurance offers discounts to members of certain organizations or groups.
These discounts can significantly reduce policy premiums, making Nationwide Assurance an attractive option for cost-conscious individuals and families. Keep in mind that eligibility for discounts may vary depending on your location and specific policy details, so it’s essential to discuss these options with a Nationwide Assurance representative to maximize your savings.
How Nationwide Ranks Among Providers
In a market teeming with insurance options, Nationwide Assurance Company faces competition from notable industry players. As consumers navigate the landscape of insurance providers, it becomes crucial to examine how Nationwide Assurance stands among its competitors, each vying to offer unique coverage solutions and unparalleled service.
- State Farm: State Farm is one of the largest insurance companies in the United States and offers a wide range of insurance products, including auto, home, life, and business insurance. They are known for their extensive network of agents and a long history of reliable service.
- Geico: Geico is known for its competitive auto insurance rates and clever advertising campaigns. They focus on providing affordable coverage to a broad customer base and offer various discounts.
- Allstate: Allstate is a well-established insurer with a strong presence in both auto and home insurance markets. They are known for their customizable coverage options and innovative tools like Drivewise, which tracks driver behavior to potentially lower premiums.
- Progressive: Progressive is known for its auto insurance offerings and unique features like the Snapshot program, which tracks driving habits to determine rates. They also offer a wide variety of other insurance products, including home, renters, and business insurance.
- Liberty Mutual: Liberty Mutual provides a range of insurance products, including auto, home, and life insurance. They emphasize personalized service and offer various discounts to policyholders.
- Farmers Insurance: Farmers Insurance offers a comprehensive suite of insurance products, including auto, home, life, and business insurance. They have a strong network of agents and a reputation for excellent customer service.
- USAA: While primarily serving military members and their families, USAA is a significant competitor known for its exceptional customer service and comprehensive range of insurance and financial products.
- Travelers: Travelers Insurance is a well-respected insurer that offers a wide variety of coverage options, including auto, home, business, and specialty insurance products. They have a history of stability and strong financial ratings.
- AIG: AIG is a global insurance provider offering a range of insurance products, including life, property casualty, and specialty insurance. They cater to both individual and business needs.
- Nationwide Mutual Insurance Company: While Nationwide Assurance is a subsidiary of Nationwide, the parent company itself is a significant competitor in the insurance industry. Nationwide offers similar insurance products and services, making them a competitor to their own subsidiary.
These competitors challenge Nationwide Assurance Company by offering various coverage options, pricing strategies, and customer service approaches. To stay competitive, Nationwide Assurance must continually innovate, provide excellent service, and adapt to evolving customer needs and market trends.
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Nationwide Assurance Company Claims Process
Ease of Filing a Claim
Nationwide Assurance Company offers policyholders a convenient and user-friendly claims process. You have multiple options for filing a claim, including online, over the phone, and through mobile apps. This flexibility ensures that you can choose the method that best suits your preferences and needs.
Average Claim Processing Time
One crucial aspect of any insurance company’s performance is the speed at which they process claims. Nationwide Assurance Company strives to provide efficient claim processing to its policyholders. The average claim processing time may vary depending on the type of claim and specific circumstances, but the company is committed to delivering timely resolutions to policyholders.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a significant role in evaluating an insurance company’s claim resolution process. Nationwide Assurance Company values customer satisfaction and aims to provide fair and satisfactory claim payouts. We’ll explore customer feedback and their experiences with claim resolutions to assess the company’s performance in this critical aspect of insurance services.
Digital and Technological Features of Nationwide Assurance Company
Mobile App Features and Functionality
In today’s digital age, insurance companies are expected to offer robust mobile app solutions. Nationwide Assurance Company understands this need and provides a mobile app with a range of features and functionalities. We’ll delve into the capabilities of their mobile app, including account management, policy access, claims filing, and more.
Online Account Management Capabilities
Online account management is a vital part of modern insurance services. Policyholders appreciate the convenience of managing their accounts and policies online. We will explore the online account management capabilities offered by Nationwide Assurance Company, including policy details, payment options, and document access.
Digital Tools and Resources
To empower policyholders with knowledge and resources, insurance companies often provide digital tools and resources. Nationwide Assurance Company is no exception, and we will examine the digital tools they offer to assist policyholders in making informed decisions and staying up-to-date with their insurance needs.
Frequently Asked Questions
How do I get a quote from Nationwide Assurance?
To get a quote, you can visit Nationwide Assurance’s website and use their online quote tool, or you can contact one of their local agents for personalized assistance.
What factors affect my auto insurance premium?
Auto insurance premiums can be influenced by factors like your driving history, the type of vehicle you drive, your location, and your coverage choices.
Can I bundle multiple insurance policies with Nationwide Assurance?
Yes, Nationwide Assurance offers bundling options, allowing you to save on premiums by combining multiple insurance policies.
What types of life insurance does Nationwide Assurance offer?
Nationwide Assurance offers both term life and whole life insurance policies, each with its own features and benefits.
How can I file a claim with Nationwide Assurance?
You can file a claim with Nationwide Assurance by contacting their claims department via phone or through their website. They will guide you through the process and help you get the assistance you need.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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brycelefevre
Long phone wait times
Wareagle256205
Is Nationwide REALLY on your side?
Danielle202
Best Insurance Company
Purple1992_
Great service and worth the money
Lawanda
Delighted to have auto insurance and roadside assistance.
Anna5N
Nationwide is the best
Jencorbin
Nationwide really is on your side
Adelbert
In Nationwide I Trust
RD2371
Misleading adice
JealousGull
Staying with another 10+ years