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One of the major highlights of the company is its auto insurance products since customers can select any combination of coverage available. It allows for customizable policies and more efficient purchase. Coverage options are as follows.
- Liability: both Property Damage and Bodily Injury are parts of Liability coverage. It helps cover policyholder’s expense in case the person damages someone else’s properties or injures other people in a road accident. It is mandatory in almost all states.
- Collision: when policyholder’s car sustains damages from road accident/collision, the coverage covers the repair or replacement cost.
- Comprehensive: it covers the cost of repair for policyholder’s car in case it sustains damages from vandalism, bad weather, or animals.
- Uninsured Motorist: in the event of accident with uninsured driver, the coverage provides financial protections for policyholder’s medical treatment and car repair.
- Underinsured Motorist: when an at-fault driver does not have enough insurance to cover policyholder’s medical cost and car repair, underinsured motorist provides financial supports.
- Personal Injury Protection (PIP): it defrays medical bills and lost wages as results of accident. This coverage is mandatory in some states.
- Medical Payment: this coverage helps cover policyholder’s medical treatments for car accident injuries regardless of who is at fault. Medical Payment is not a stand-alone health insurance.
- Roadside Assistance: in the event of bad luck where policyholder’s car runs out of gas or has flat tire in the middle of a trip, the coverage helps handle the problems. It is one of the optional coverage from Nationwide Auto Insurance.
- Rental Reimbursement: if policyholder’s car becomes immobile after an accident, the coverage pays for rental car.
- Labor: this coverage reimburses the cost that policyholders pays to tow his/her car and make the car run again.
- Paperless Documents: Customers who sign up for coverage and choose to go paperless (with electronic documents) are eligible. Electronic payment method is part of this discount, and that is why the company offers Easy Pay sign up program.
- Multi-Policy: policyholders who bundle their coverage packages for examples automobiles and homes can save considerable amount of money from multi-policy discount.
- Nationwide Family Plan: Nationwide allows a policyholder to share discount with another family member. For example, if one receives multi-policy discount, another driver in the same household gets the same benefits, too.
- Good Student: a teenage driver who gets good grades at school (B average or above) is eligible for the discount. Good student discount is not part of Nationwide Family Plan, so it still applies whether or not a policyholder is eligible for the Family Plan benefit.
- Driver Safety Course: a completion of company-approved driver safety course is the only requirement to be eligible for this discount. In some states, a driver may need to be at least 55 years old.
- SmartRide: to be eligible for this discount, a policyholder must install a small device which tracks safety behaviors on the road. The device is available from the company. Drivers who fall under safe driver category receive the benefits.
- Accident-Free: a clean record without involvement in major accidents or traffic violations for at least 5 years brings the opportunity to get cheaper auto insurance rate from the company.
- Anti-theft: policyholders who install safety devices on their vehicles are eligible for anti-theft discount. It encourages drivers to stay safe inside the car and avoid great financial loss outside the car.
- Affinity: if a policyholder is a member of a partner organization, the company offers more affordable premium rate.