Nationwide vs USAA Car Insurance for 2023

Choosing the right car insurance company is an important decision that can have a significant impact on your finances and peace of mind. Nationwide car insurance and USAA car insurance are two of the most respected names in the industry.

• Nationwide has been in business for over 90 years and offers a wide range of insurance products, including car insurance, home insurance, and life insurance.
• USAA was founded in 1922 by a group of Army officers who wanted to insure each other’s vehicles. Today, USAA offers car insurance, home insurance, and banking services exclusively to military members and their families.
• Both Nationwide and USAA offer a variety of discounts to their customers, including safe driver discounts, multi-policy discounts, and discounts for members of certain organizations.

Both companies have a long history of providing reliable insurance products and excellent customer service. In this article, we’ll take a closer look at Nationwide and USAA car insurance to help you decide which one is right for you.

History and Mission: Nationwide vs USAA

Nationwide was founded in 1925 as the Farm Bureau Mutual Automobile Insurance Company. Today, Nationwide is a Fortune 100 company that offers a wide range of insurance and financial products.

The company’s mission is to protect what matters most to their customers, including their homes, vehicles, businesses, and futures.

USAA was founded in 1922 by a group of Army officers who wanted to insure each other’s vehicles. Today, USAA is a Fortune 500 company that offers car insurance, home insurance, banking services, and more to military members and their families.

The company’s mission is to serve those who serve our country by providing financial security and peace of mind.

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Products and Services: Nationwide vs USAA Car Insurance

Nationwide offers a range of car insurance products, including liability coverage, collision coverage, comprehensive coverage, and uninsured motorist coverage. In addition, they offer several optional coverage options, such as roadside assistance, rental car coverage, and accident forgiveness. Let’s dive into each of these coverage options in more detail:

• Liability Coverage: Liability coverage is required by law in most states and covers the costs associated with damage or injury you may cause to other people or their property while driving your vehicle.
• Collision Coverage: Collision coverage helps pay for repairs to your vehicle if you’re in an accident, regardless of who is at fault.
• Comprehensive Coverage: Comprehensive coverage helps pay for damage to your vehicle that is not the result of a collision, such as theft, vandalism, or natural disasters.
• Uninsured Motorist Coverage: Uninsured motorist coverage helps protect you if you’re in an accident with someone who doesn’t have insurance.
• Roadside Assistance: Roadside assistance provides services such as towing, jump-starting your vehicle, changing a flat tire, or delivering fuel if you run out.
• Rental Car Coverage: Rental car coverage helps pay for the cost of a rental car while your vehicle is being repaired after an accident.
• Accident Forgiveness: Accident forgiveness is an optional coverage option that allows Nationwide customers to have one at-fault accident forgiven every five years.

USAA offers similar coverage options to Nationwide, including liability coverage, collision coverage, comprehensive coverage, and uninsured motorist coverage. However, as a company that serves military members and their families, USAA also offers additional coverage options that may be of interest to their customer base.

Let’s take a closer look at the additional coverage options offered by USAA:

• Rideshare Coverage: Rideshare coverage is an optional coverage option that provides additional protection for drivers who use their personal vehicle for ride-sharing services such as Uber or Lyft.
• Classic Car Insurance: USAA offers specialized insurance coverage for classic and antique vehicles.

In addition to car insurance, both Nationwide and USAA offer a range of other insurance products and financial services. Nationwide offers home insurance, life insurance, pet insurance, and various financial products such as mutual funds and retirement accounts. USAA offers home insurance, renters insurance, life insurance, banking services, and investment products.

Cost of Coverage: Nationwide vs USAA Car Insurance

The cost of car insurance is an important consideration for many people when choosing an insurance company. Here’s a closer look at the cost of insurance for Nationwide and USAA.

Nationwide offers competitive rates for their car insurance products. The cost of insurance with Nationwide will depend on several factors, including the make and model of your vehicle, your driving record, and the coverage options you choose.

USAA also offers competitive rates for their car insurance products, but they are only available to military members and their families. The cost of insurance with USAA will depend on several factors, including the make and model of your vehicle, your driving record, and the coverage options you choose. USAA also offers various discounts that can help lower the cost of your insurance premiums.

Car Insurance Discount Options Offered at Nationwide vs USAA

Nationwide car insurance also offers various discounts that can help lower the cost of your insurance premiums. These discounts include:

• Multi-policy discount: Save up to 25% on your car insurance when you bundle it with another Nationwide insurance policy.
• Safe driver discount: Save up to 10% on your car insurance if you have a clean driving record for at least five years.
• Anti-theft device discount: Save up to 25% on comprehensive coverage if your vehicle is equipped with an anti-theft device.
• Accident-free discount: Save up to 10% on your car insurance if you haven’t had an accident in the past five years.
• Good student discount: Save up to 15% on your car insurance if you’re a full-time student with good grades.

USAA car insurance also offers various discounts that can help lower the cost of your insurance premiums. These discounts include:

• Safe driver discount: Save up to 10% on your car insurance if you have a clean driving record.
• Multi-vehicle discount: Save up to 10% on your car insurance if you insure more than one vehicle with USAA.
• Good student discount: Save up to 10% on your car insurance if you’re a full-time student with good grades.
• Family discount: Save up to 10% on your car insurance if your parents were USAA members.
• Military installation discount: Save up to 15% on comprehensive coverage if you store your vehicle on a military base.

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Customer Reviews: Nationwide vs USAA

Nationwide has a solid reputation as an insurance company, with many customers praising their customer service and claims handling. They have an A+ rating from the Better Business Bureau, indicating a high level of customer satisfaction.

USAA also has a strong reputation as an insurance company, with many customers praising their customer service and claims handling. They have an A++ rating from the Better Business Bureau, indicating a very high level of customer satisfaction. However, because USAA is only available to military members and their families, there are fewer reviews available for this company.

Roundup: Nationwide vs USAA

In conclusion, both Nationwide and USAA are well-respected car insurance companies with solid reputations for customer service and claims handling. Nationwide is available to the general public and offers a wide range of coverage options, including unique features such as vanishing deductibles and accident forgiveness. However, some customers have reported issues with the cost of insurance and claims processing.

When choosing between Nationwide and USAA, it’s important to consider your own needs and preferences, as well as the cost and coverage options available to you. Both companies offer discounts for safe driving and other factors, so be sure to ask about these when getting a quote. Ultimately, the right car insurance company for you will depend on a variety of factors, including your driving history, budget, and coverage needs.

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