Nationwide vs Safety Insurance Car Insurance for 2023

Car insurance is an essential purchase for any driver, and it’s important to choose the right insurance provider. Nationwide and Sentry Insurance are two well-known car insurance companies in the United States. Both companies offer a range of services and benefits, and it’s important to compare their policies to make an informed decision.

Before diving into the details of each company, let’s take a quick look at three interesting attributes of Nationwide and Sentry Insurance:

• Nationwide offers a vanishing deductible program, which means your deductible decreases for each year you go without an accident.
• Sentry Insurance offers a usage-based program called “Sentry Insight,” which uses a telematics device to monitor your driving habits and provide personalized discounts based on your driving behavior.
• Both Nationwide and Sentry Insurance have mobile apps that allow customers to access their policy information, pay bills, and even file claims from their smartphone.

In this article, we’ll take a look at Nationwide car insurance and Sentry Insurance car insurance, comparing the two companies and highlighting the benefits of each. We’ll cover the company’s history and mission, the products and services they offer, their costs, and the states where their services are available. Additionally, we’ll discuss the different types of discounts available to customers and how to qualify for them, as well as provide a summary of customer reviews of the companies.

History and Mission of Nationwide and Sentry Insurance

Nationwide was founded in 1926 as the Farm Bureau Mutual Automobile Insurance Company, with the goal of providing affordable car insurance to farmers in rural areas. Today, Nationwide is one of the largest insurance and financial services companies in the United States, offering a wide range of products and services to individuals and businesses.

Sentry Insurance, on the other hand, was founded in 1904 as the Hardware Mutual Insurance Company, providing insurance to hardware store owners. Today, Sentry Insurance is a mutual insurance company that offers a variety of insurance products, including car insurance, to individuals and businesses.

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Products and Services

Nationwide and Sentry Insurance offer a range of car insurance products and services to meet the needs of different drivers. Let’s take a closer look at each company’s offerings:

Nationwide Car Insurance Products and Services:

• Liability Coverage: Nationwide’s liability coverage helps pay for the costs associated with injuring someone else or damaging their property in a car accident.
• Collision Coverage: Collision coverage helps pay for the costs of repairing or replacing your car if it’s damaged in an accident.
• Comprehensive Coverage: Comprehensive coverage helps pay for damage to your car that is not caused by a collision, such as theft, vandalism, or weather-related damage.
• Uninsured/Underinsured Motorist Coverage: Nationwide’s uninsured/underinsured motorist coverage helps protect you if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.
• Roadside Assistance: Nationwide’s roadside assistance program provides 24/7 assistance if you need a tow, jump start, or other type of help while on the road.
• Rental Car Reimbursement: If your car is in the shop for repairs after an accident, Nationwide’s rental car reimbursement coverage can help pay for the cost of renting a car while your car is being repaired.
• Accident Forgiveness: Nationwide’s accident forgiveness program can help prevent your insurance rates from going up if you’re involved in an accident.

Sentry Insurance Car Insurance Products and Services:

• Liability Coverage: Sentry Insurance’s liability coverage helps pay for the costs associated with injuring someone else or damaging their property in a car accident.
• Collision Coverage: Collision coverage helps pay for the costs of repairing or replacing your car if it’s damaged in an accident.
• Comprehensive Coverage: Comprehensive coverage helps pay for damage to your car that is not caused by a collision, such as theft, vandalism, or weather-related damage.
• Uninsured/Underinsured Motorist Coverage: Sentry Insurance’s uninsured/underinsured motorist coverage helps protect you if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.
• Gap Coverage: If your car is totaled in an accident and you owe more on your car loan than your car is worth, Sentry Insurance’s gap coverage can help pay the difference.
• New Car Replacement Coverage: If your car is totaled in an accident and you have a new car, Sentry Insurance’s new car replacement coverage can help pay for the cost of a new car of the same make and model.

It’s important to note that the products and services offered by Nationwide and Sentry Insurance may vary depending on the state in which you live. Additionally, each company may offer additional coverage options or discounts that are not listed here. It’s always a good idea to speak with a representative from each company to determine which coverage options are best for your individual needs.

Cost of Coverage: Nationwide and Sentry Insurance

The cost of car insurance from Nationwide and Sentry Insurance can vary depending on a number of factors, including your age, driving record, location, and the type of coverage you choose. That being said, it’s helpful to know how each company typically prices their policies so you can compare them side-by-side.

It’s important to note that the cost of car insurance can vary significantly depending on where you live, as each state has its own insurance requirements and regulations. Additionally, the type and amount of coverage you choose can also affect the cost of your premium. To get a more accurate idea of how much you can expect to pay for car insurance from Nationwide or Sentry Insurance, it’s best to get a quote directly from each company.

Discount Options

Nationwide offers a number of discounts that can help lower the cost of your car insurance premium. Some of these discounts include:

• Multi-Policy Discount: If you have more than one insurance policy with Nationwide (such as home and auto insurance), you may be eligible for a discount on your car insurance premium.
• Safe Driver Discount: If you have a clean driving record with no accidents or traffic violations, you may be eligible for a safe driver discount.
• Accident-Free Discount: If you’ve been with Nationwide for at least five years and have no accidents on your record, you may be eligible for an accident-free discount.
• Anti-Theft Discount: If your car has anti-theft devices installed, you may be eligible for an anti-theft discount.
• Good Student Discount: If you’re a student with good grades, you may be eligible for a good student discount.

The average cost of car insurance from Nationwide is around $1,800 per year, but your actual cost may be higher or lower depending on the factors mentioned above.

Sentry Insurance also offers a number of discounts that can help lower the cost of your car insurance premium. Some of these discounts include:

• Multi-Car Discount: If you insure more than one car with Sentry Insurance, you may be eligible for a multi-car discount.
• Safe Driver Discount: If you have a clean driving record with no accidents or traffic violations, you may be eligible for a safe driver discount.
• Accident-Free Discount: If you’ve been with Sentry Insurance for at least three years and have no accidents on your record, you may be eligible for an accident-free discount.
• Good Student Discount: If you’re a student with good grades, you may be eligible for a good student discount.
• Mature Driver Discount: If you’re over the age of 55 and have completed a defensive driving course, you may be eligible for a mature driver discount.

The average cost of car insurance from Sentry Insurance is around $1,500 per year, but as with Nationwide, your actual cost may be higher or lower depending on your individual circumstances.

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Customer Feedbacks: Nationwide vs Sentry Insurance

Reading customer reviews is an important part of choosing a car insurance company. By seeing what other customers have experienced, you can get a better idea of the company’s strengths and weaknesses. Here’s a summary of the reviews for Nationwide and Sentry Insurance:

Nationwide has received mixed reviews from customers, with some praising the company’s customer service and others expressing frustration with claims processing.

Customers who are happy with Nationwide often praise the company’s customer service, saying that representatives are friendly and helpful. Many also appreciate the company’s online tools, such as the mobile app and website.

Negative Reviews: Negative reviews of Nationwide often focus on claims processing. Some customers have reported long wait times and difficulty getting claims approved. There are also reports of increased premiums after an accident, which some customers find unfair.

Sentry Insurance has generally positive reviews from customers, with many praising the company’s customer service and claims handling. Here are some common themes that emerge from customer reviews:

Customers who are happy with Sentry Insurance often praise the company’s customer service, saying that representatives are knowledgeable and responsive. Many also appreciate the company’s claims handling process, saying that it is efficient and fair.

Negative reviews of Sentry Insurance are relatively rare, but some customers have reported difficulty getting claims approved or receiving prompt responses from customer service representatives.

It’s important to note that customer reviews should be taken with a grain of salt. Each customer’s experience is unique, and some may have had a negative experience due to factors outside the company’s control. However, reading reviews can still be a helpful way to get a sense of how a company treats its customers.

Roundup: Nationwide vs Sentry Insurance

After comparing Nationwide and Sentry Insurance, it’s clear that both companies have strengths and weaknesses. Nationwide is a larger company with a longer history, and it offers a wider variety of insurance products and services. However, its car insurance policies can be more expensive than Sentry’s, and it has received mixed reviews from customers.

Sentry Insurance, on the other hand, is a smaller company that focuses specifically on commercial insurance. Its car insurance policies are generally more affordable than Nationwide’s, and it has received positive reviews from customers. However, it has a more limited range of products and services, and it may not be available in all states.

When it comes to choosing between Nationwide and Sentry Insurance for car insurance, it’s important to consider your own needs and priorities. If you’re looking for a company with a wide range of insurance options and don’t mind paying a bit more for coverage, Nationwide may be a good choice. However, if you’re primarily interested in affordable car insurance and appreciate good customer service, Sentry Insurance may be the better option.

Ultimately, the best way to determine which company is right for you is to get quotes from both and compare them based on your specific coverage needs and budget. By doing your research and taking the time to compare your options, you can make an informed decision and feel confident in your choice of car insurance provider.

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