Nationwide offers an app to help customers manage accounts and file claims, and the company regularly updates the app based on customers’ feedback. One customer noted that the app has gotten faster over time, thus making it easier to use.
The app has a rating of 4.1 out of 5 stars in the Google Play store and a 4.5-star rating in the Apple App Store. Customers appreciate that the app reduces the time they’d otherwise spend on hold.
Usage-Based Auto Insurance Program
The usage-based SmartMiles program tracks how many miles you drive and bases your rate on that data. The fewer miles you drive, the lower your rate will be.
This program is different from when an insurance company simply rates you as a “high-miles” or “low-miles” driver, where there is a premium break at a certain threshold, usually around 7,500 miles per year. Rather, SmartMiles gives lower rates to someone driving 1,000 miles versus someone driving 2,000 miles; it’s all based on actual miles driven.
Nationwide will file an SR-22 with the DMV on your behalf if you need it. The state requires an SR-22 if you have a serious road violation, such as driving under the influence or driving without insurance. The SR-22 form demonstrates that you have minimum car insurance coverage on the car you are driving.2
24/7 Emergency Roadside Assistance
Nationwide offers emergency roadside assistance. Taking advantage of this feature means that you will not be stuck on the side of the road without a place to get help. Nationwide will tow the car to the nearest repair facility, add gas to the gas tank if you run out, or offer help in fixing a flat tire. This service compares to AAA but is only a couple of dollars a month when you add it to your policy, thus helping you save money.
|Type of insurance
|Classic and antique tractors
||1997 and older
|Collector and classic car
||1979 and older
|Collector and raced motorcycles and scooters
||1996 and older, and some 1997-2022
|Collector Truck and SUVs
||1996 and older
||2002 and older
||1950 and older
|Retired commercial vehicles
||1997 and older
You don’t insure classic cars the same way you insure day-to-day cars. That’s because the market value of a classic car is higher than the depreciated value, and most people don’t drive a classic car more than a few thousand miles per year, to keep the car’s condition pristine, thereby lowering the accident risk. Insuring these cars takes a special policy; Nationwide offers classic-car insurance and classifies cars as either a classic or an antique.
Classic cars vary based on make and model. Most collector cars were manufactured in or before 1979. Collector trucks and SUVs are from 1996 or before. You can also have limited editions, exotics, supercars and replicas that are newer that qualify for collector’s car insurance. Nationwide will even insure vintage tractors or military vehicles with this coverage. The policy comes with the liability options that any normal insurance policy would offer.
Where this policy differs is in the value of the car for comprehensive and collision coverage. These cars have higher values than standard cars, and your policy is priced to insure them properly.