Pros Nationwide has an "On Your Side" mentality that aims to inform and keep customers happy Great feature called AutoWatch that allows insureds to keep tabs on the progress of their car repairs Cons Customers report that Nationwide agents and representatives are uncoordinated and inconsistent in resolving questions, and that the claims resolution process can be subject to delays "On Your Side" Philosophy Nationwide Insurance has a motto called "On Your Side" that influences how auto insurance claims are handled, and policies and premiums are determined. For example, repairs to an insured car done through their network of auto body shops comes with written guarantees. With their AutoWatch feature, you can keep tabs on the repair process in detail by learning about which of the ten steps of the repair process its in, and looking at photos of your car in various stages of getting fixed. The ten steps are: repair cost estimate, insurance approval, inner structure disassembly, auto parts ordering, frame / structural repair, exterior / metal paneling repair, reassembly, detailing, to finally, delivery. Find the Cheapest Auto Insurance Quotes in Your Area Zip Code Currently Insured?Find Insurers The company also recommends getting an annual checkup of insureds' policies to see that policyholders understand their Nationwide Auto Insurance benefits and declarations, as well as new discounts or changes to keep premiums level and coverage adequate. This consultation is called their "On Your Side" Review. Nationwide Auto Insurance Premium Comparison From sample premiums obtained in California, Nationwide ranked on the more expensive end of auto insurance for two demographics we reviewed: married couples and seniors. For example, the average premium for married couples quoted by Nationwide was $1,684 compared to a state average of $1,156 - almost 46% more than the state average. That sample premium ranks Nationwide 4th most expensive among the largest insurers in California. With Nationwide, senior citizen drivers are paying $963 compared to a state average of $889. Mixed Reviews of Customer Service and Agents While its complaint index is lower than the national average, the customers reviewed that communication with Nationwide auto insurance agents and customer service representatives was poor. Some customers reported that representatives provided inconsistent answers to questions about car insurance policies, or records were updated in an uncoordinated manner. Others have claimed that when it comes to handling claims, adjusters and other claims personnel don't return calls in a timely manner. In the 2013 JD Power & Associates Auto Insurance Study, Nationwide ranked "Average" at best in the regional categories, and even below average in the state of New York. Insurer Ratings Metric Rating AM Best Financial Strength Rating (2013) A+ Better Business Bureau Rating (2013) A NAIC Complaint Index (2012) 0.64 (Better than Average) Auto Insurance Discounts Discount Type Amount (Up to %) Multi-Policy Discount 25% Family Plan 25% Accident-Free (five years) 10% Good Student (Grade: B or above) 15% Farm Bureau membership 10% Defensive Driving 10% Anti-Theft Device Installation 5% Paperless Billing and Electronic Funds Transfer $30 off Partner Business or Organization membership 10% Source: Nationwide website as of December 2013 How to File a Claim You can report an accident and file a claim with Nationwide via their website, smartphone / mobile app, or through the Nationwide Claim Center phone number below. Telephone Number: (800) 421-3535 Nationwide's claim center is voice activated, so you can speak and say "Automobile Claims", or just press 0 and 0 again to speak to a representative
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