Comprehensive review of nationwide car insurance

Country-Wide Insurance Company has more than 55 years of serving New York residents. Although it does not have a large customer base, Country-Wide is proud to be a local supplier.

While it wants to project a small town feel of hospitality, Country-Wide has many dissatisfied customers. With high prices, poor financial stability and few discounts, it may seem that the country is an easy choice to skip.

However, this company has a loyal following of customers who are happy with their coverage. From basic car insurance to semi-driver truck protection, Country-Wide may be the best choice for you.

You can explore your options with nationwide insurance plans below. Then compare prices with as many companies as you can to make sure you get the best price for your car insurance.

What is nationwide car insurance?

Country-Wide Insurance (not to be confused with the mortgage company Countrywide Financial) operates only in New York. While most companies are actively trying to expand, Country-Wide is happy where it is.

The focus of this company is car insurance and financial services. Country-Wide’s goal, however, is to maintain its local business reputation and consolidate its place in the communities it serves. Even though it is a small car insurance, it still provides standard coverage options:

• Responsibility. If you cause property damage or injure someone in an accident, liability will help pay the resulting bills. Most state laws require a minimum of coverage, including New York. Empire State residents must have 25/50/10 coverage to drive.
• Collision. No matter who is at fault, a collision will help repair your car after an accident. New York does not require drivers to have a collision, but it is a wise investment for people who can not afford to replace their cars.
• Extensive. Extensive covers damage outside accidents, such as animal contact, theft, weather, vandalism or fire.

Country-Wide offers a few more insurance options for your insurance, although this list is not as comprehensive as many of its competitors. These include:

• Underinsured / uninsured drivers Although New York State law requires drivers to have insurance, not everyone obeys it. This coverage protects you from drivers without adequate coverage. New York requires a small portion of this insurance.
• Personal Injury Protection (PIP). Getting injured in a crash is terrible, but what can be worse is the hospital bills that come after. PIP helps pay for your healthcare costs. New York requires $ 50,000 PIP coverage.

It may not be the most impressive list of products, but Country-Wide has the bare legs you need for complete protection of your vehicle. If a more comprehensive list of products is important to you, you should look elsewhere for your insurance needs.

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Does Country-Wide offer discounts on car insurance?

Buying from local businesses is important for many people and for good reason. However, there are some disadvantages to buying your insurance needs from a small business. Most small insurance companies offer fewer discounts than their larger competitors.

While the same is probably true of Country-Wide, this company is silly about what discounts it offers. However, most insurance companies offer some form of discount to help their customers save money. The most common discounts even small insurance companies offer include the following:

• Good driver. Insurance companies want to reward their drivers for keeping their records clean from accidents, speeding fines and other traffic violations.
• Good student. This discount is for full-time students who have a GPA of 3.0 (or “B” on average).
• Multibil. If your household has more than one car, you can usually get a discount if you combine them into an insurance policy.
• Safety or security features. Security features such as anti-lock brakes or anti-theft devices that keep your car out of the hands of thieves are usually eligible for a discount.

Although these are some of the most common car insurance discounts that companies offer, you need to call the insurance phone number for the entire country for more information.

How much does a nationwide insurance cost?

Another problem with smaller insurance companies is that they usually do not offer the convenience of larger providers. For the whole country, this is a mild inconvenience when you want a quote – there are no online options to look at prices.

Instead, you need to talk to an agent. However, you can get an idea of ​​what prices can look like with Country-Wide by looking at average prices in New York.

Reporting	Average price
State minimum	73 USD
Full coverage	$ 157
Male	120 USD
Woman	$ 122
DUI registered	185 USD
Error registered	$ 166
		#Empty#

Country-Wide has a reputation for prices that are above average, so you will probably see prices a little higher than the state average. But many factors play into the cost of your insurance. To see what Country-Wide has to offer you, talk to an agent or visit one of their local locations.

Nationwide Car Insurance Financial Reviews

One of the best ways to get to know an insurance company is by looking at the reviews.

Looking at professional ratings is a good place to start. Country-Wide is too small to be noticed by some rating agencies, but Better Business Bureau (BBB) ​​and AM Best, both issued ratings.

AM Best gives insurance companies a rating based on their financial strength. The better the rating, the more likely a company will be able to pay its claims. Unfortunately, AM Best was not impressed with Country-Wide and gave them a C ++.

Things are more positive at BBB, where Country-Wide got A +. However, there are many complaints listed on the site, which primarily focus on the quality of Country-Wide insurance.

Finally, the National Association of Insurance Commissioners (NAIC) rates insurance companies according to the number of complaints filed against them. NAIC compares complaints with the size of the company and then scores. A 1.0 is the national average, and higher and higher means a higher number of complaints than the average.

Nationwide gets 3.63, which means that it will be more than triple the national average for complaints.

What do customers think about nationwide insurance?

Despite its good intentions, Country-Wide does not seem to promote good feelings among its customers. Customer reviews are overwhelmingly negative, especially with a focus on how high the prices are.

On the positive side, high-risk drivers who were rejected by other companies appreciate that Country-Wide is willing to work with them. They even say that the prices are affordable, given their situation.

Another major complaint is that people are not impressed with Country-Wide in general. The site has an outdated feel that has long been waiting for an update. Customers are also not impressed by the limited amount of coverage products. Most people like to customize their plans, but this is not an option at Country-Wide.

Despite all this, Country-Wide has loyal local customers. For the most part, nationwide customer service representatives go beyond the ordinary to make people feel welcome and important. They are so good at their job that some customers state that they are happy to pay higher prices because the service is just as good.

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Find the best prices for car insurance today

If you live in New York, this little insurance company may be right for you. Although the coverage options are limited, the discounts are vague at best and the prices are on the high side, there are many satisfied customers across the country who recommend this company.

Nationwide insurance may be the best choice for you, but you should always compare quotes with other companies before making a decision.