National General vs Nationwide Car Insurance for 2024

If you’re shopping for car insurance, you may have come across National General and Nationwide. Both companies have a long history in the insurance industry and offer a range of products and services. But how do they compare when it comes to car insurance?

• National General provides coverage for high-risk drivers, including those with a DUI, accidents, or multiple tickets.
• Nationwide offers a usage-based insurance program called SmartRide, which rewards safe drivers with discounts on their premiums.
• Both National General and Nationwide offer a range of additional services and benefits, such as roadside assistance, rental car reimbursement, and accident forgiveness.

In this review, we’ll take a closer look at National General car insurance vs. Nationwide car insurance, and help you decide which one is right for you.

History and Mission

National General was founded in 1920 as the Motors Insurance Corporation and has since grown to become one of the largest specialty personal lines insurance companies in the United States. The company’s mission is to provide “peace of mind to customers through insurance and service solutions.” National General offers a range of insurance products, including auto, home, and life insurance, as well as recreational vehicle insurance, motorcycle insurance, and more.

Nationwide was founded in 1926 and has since grown to become one of the largest insurance and financial services companies in the world. The company’s mission is to help customers “protect what’s important today and plan for tomorrow.” Nationwide offers a range of insurance and financial products, including auto, home, and life insurance, as well as retirement planning and investment services.

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Products and Services

Nationwide offers a range of auto insurance products, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage. The company also provides coverage for specialty vehicles, such as motorcycles, RVs, and classic cars. One unique feature of Nationwide’s auto insurance program is its usage-based insurance program called SmartRide. SmartRide rewards safe drivers with discounts on their premiums based on their driving habits.

National General offers a range of auto insurance products, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage. The company also provides coverage for high-risk drivers, including those with a DUI, accidents, or multiple tickets. In addition, National General offers a range of additional services and benefits, such as roadside assistance, rental car reimbursement, and accident forgiveness.

Cost and Availability

The cost of National General’s auto insurance policies varies depending on a range of factors, including your driving history, the type of vehicle you drive, and your location. National General offers coverage in all 50 states, making it a good option for drivers who need coverage no matter where they live.

The cost of Nationwide’s auto insurance policies varies depending on a range of factors, including your driving history, the type of vehicle you drive, and your location. Nationwide offers coverage in all 50 states, making it a good option for drivers who need coverage no matter where they live.

Discounts Offered

National General Discounts

• Safe Driver Discount: If you have a good driving record with no accidents or violations, you may qualify for a safe driver discount from National General.
• Multi-Vehicle Discount: If you insure more than one vehicle with National General, you may qualify for a multi-vehicle discount.
• Bundling Discount: If you have multiple insurance policies with National General, such as home and auto insurance, you may qualify for a bundling discount.
• Low Mileage Discount: If you drive less than a certain number of miles per year, you may qualify for a low mileage discount from National General.

Nationwide Discounts

• Multi-Policy Discount: If you have multiple insurance policies with Nationwide, such as home and auto insurance, you may qualify for a multi-policy discount.
• Safe Driver Discount: If you have a good driving record with no accidents or violations, you may qualify for a safe driver discount from Nationwide.
• SmartRide Discount: As we mentioned earlier, Nationwide offers a usage-based insurance program called SmartRide, which rewards safe drivers with discounts on their premiums based on their driving habits.
• Family Plan Discount: If you have multiple drivers in your household, you may qualify for a family plan discount from Nationwide.

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Case Studies: National General vs. Nationwide Car Insurance

Case Study 1: John’s Accident with National General Car Insurance

John, a resident of California, had a car accident and filed a claim with National General car insurance. Despite the initial claim process being relatively smooth, John faced challenges in getting timely updates on his claim’s progress. He had to follow up multiple times with the company’s customer service to obtain the necessary information.

Eventually, the National General settled the claim fairly, covering the damages to John’s vehicle. However, the lack of clear communication during the claim process left John feeling frustrated.

Case Study 2: Sarah’s Comprehensive Coverage with Nationwide Car Insurance

Sarah, a driver from Texas, opted for comprehensive coverage with Nationwide car insurance. When her vehicle was damaged due to a severe hailstorm, Sarah promptly contacted Nationwide to initiate the claim process. She was pleasantly surprised by the company’s efficient claims handling.

Nationwide provided timely updates, arranged a convenient inspection, and promptly settled the claim, covering the full repair costs. Sarah was impressed with the customer service she received and felt well taken care of throughout the entire process.

Case Study 3: Mike’s Cost-Saving Experience with National General Car Insurance

Mike, a budget-conscious driver from Florida, chose National General for car insurance after comparing quotes from multiple providers. Despite initial affordability concerns, Mike was pleasantly surprised by the excellent coverage and service quality offered by National General.

When he needed to file a claim after an accident, the company handled it swiftly and reimbursed him for the damages. Mike appreciated National General’s ability to provide affordable coverage without compromising on quality.

Case Study 4: Emily’s Roadside Assistance with Nationwide Car Insurance

Emily, a frequent traveler from New York, chose Nationwide car insurance for its comprehensive roadside assistance coverage. On a road trip, her vehicle broke down in a remote area, leaving her stranded. Emily contacted Nationwide’s roadside assistance service and received prompt assistance.

A tow truck arrived within the estimated time, and the driver was professional and courteous. The cost of the tow was covered by Nationwide, and Emily was able to continue her journey with minimal disruption. She praised Nationwide’s roadside assistance program for its reliability and swift response.

Mastering National General vs. Nationwide Car Insurance Claims Protocol

Ease of Filing a Claim

National General and Nationwide both offer multiple channels for filing insurance claims, ensuring convenience for their policyholders. Policyholders can file claims with both companies through online portals, over the phone, or via mobile apps. This flexibility allows customers to choose the method that suits them best, making the claims process more accessible and efficient.

Average Claim Processing Time

The speed at which an insurance company processes claims is crucial for policyholders. National General and Nationwide prioritize efficient claims processing. However, actual processing times can vary depending on the complexity of the claim and other factors. To get a better understanding of their respective claim processing times, it’s advisable to consult customer reviews and feedback.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is invaluable when evaluating an insurance company’s performance in handling claims. Both National General and Nationwide have received feedback from policyholders regarding their claim resolutions and payouts. These reviews can provide insight into the satisfaction levels of customers who have gone through the claims process with these insurers.

Reading customer experiences can help potential policyholders make informed decisions.

National General vs. Nationwide Car Insurance Digital and Technological Solutions: Setting the Bar High

Mobile App Features and Functionality

In today’s digital age, mobile apps play a significant role in enhancing the customer experience. National General and Nationwide offer mobile apps with features that allow policyholders to manage their insurance policies, file claims, access digital insurance cards, and receive important updates. The functionality and user-friendliness of these apps are essential considerations for tech-savvy customers.

Online Account Management Capabilities

Efficient online account management is essential for policyholders who prefer self-service options. National General and Nationwide both provide online account management capabilities, enabling customers to view policy details, make payments, and update information easily. Evaluating the user interface and available features of their online platforms can help customers decide which insurer aligns better with their preferences.

Digital Tools and Resources

Insurance companies often offer digital tools and resources to help policyholders make informed decisions. These tools may include calculators for estimating coverage needs, educational resources, and blogs with industry insights. National General and Nationwide may offer various digital resources that can assist customers in understanding their insurance options and making informed choices.

Exploring these resources can be beneficial when considering these insurers for coverage.

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Customer Feedback

When it comes to choosing an auto insurance company, reading customer reviews can be a valuable tool in helping you make an informed decision. Here’s an overview of what customers have to say about National General and Nationwide:

National General has a solid reputation in the auto insurance industry and generally receives positive reviews from customers. Many customers praise the company for its competitive rates and quick claims processing. However, some customers have reported issues with customer service, particularly with long wait times and difficulty getting in touch with representatives. Additionally, some customers have reported feeling pressured by National General’s sales tactics.

Nationwide is a well-established insurance company with a strong reputation for customer service. Customers praise the company for its helpful and knowledgeable representatives, as well as its comprehensive coverage options. Many customers also appreciate the company’s rewards programs, such as SmartRide and Vanishing Deductible. However, some customers have reported issues with claims processing, with some complaints centered around delays and difficulty getting in touch with representatives.

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