Nationwide and Allstate Insurance:Personalized

When you are seeking to get car protection plans, you have several choices, even when it comes to getting personalized service. Two companies that are competitive with one another include Allstate Insurance and Nationwide Insurance. Of the two, Allstate has been around for a longer period of time and is considered to be the premium auto insurance provider in the United States. There are two types of coverage that you can get for your car - premium and secondary insurance. You have probably seen the ads for discount plans for other companies that give you a lower rate. What many people do not realize is that the discount insurance also means that you do not get personalized service that you can get when you go with Allstate or Nationwide. How to Find an Insurance Agent You can get Allstate protection from one of their direct agents. To find such an agent in your area, you need only look in the phone book or go online. You can get a quote from him or her and then sign a policy if you like the quote. You can also get coverage for your home and even a life policy from these companies. Both Nationwide and Allstate have agents that sell their products exclusively, but latter is a more popular carrier. You may have more luck in finding an Allstate agent than you do when you go and look for an agent that offers Nationwide Insurance. The Premium Difference When it comes to cost of premiums, you will pay more for Allstate than you will for Nationwide. However, keep in mind that most of the plans with Allstate do provide 'forgiveness policies' which do not raise your insurance if you get into one accident. This is something that is a bit different than other carriers, most of which will raise your premium if you get into an accident or have tickets. Nationwide has attractive premium rates and will give you a good policy for your money, but it does not have the number of offices and agents as Allstate. Weighing the Pros & Cons between Nationwide and Allstate Insurance When it comes to accidents and claims, you can expect to be very well represented by Allstate. It has an in house counsel to defend against lawsuits as well as pursue claims against other drivers. Nationwide uses an outside counsel for most of their litigation, as is the case with most carriers. You will talk to claims adjusters for both companies if you happen to get into an accident. Allstate is an ideal company if you have a good driving record and are looking for personalized service along with good rates. Nationwide is also a good insurance company, but does not have the same level of personalized service as Allstate, although they do have more attractive premium rates. The choice that you make when it comes to choosing car insurance between Allstate and Nationwide is between price and service. If you are willing to spend more money to insure better personal service, you may want to go with Allstate. If you are seeking a way to save money on your car policy and not care so much about the personal touch, you may want to go with Nationwide instead. During these tough times, you need to find the auto insurance that truly fits your needs. Go to AutoInsuranceReviewer.com and read up on user-provided Nationwide Insurance reviews or Allstate Insurance reviews to see if any of these providers answer your auto insurance needs.