How much can you save with Nationwide?

No, Nationwide SmartRide will not raise your rates for poor driving habits. Nationwide SmartRide users are eligible for an initial discount of 15% just for signing up, and their rates will not go up for things like miles driven or hard braking. Good drivers can save up to 40% while using SmartRide, too.… read full answer

Key Things to Know About Nationwide SmartRide

• Nationwide SmartRide tracks things like miles driven, hard braking and acceleration, the time of day that you drive
• Drivers can use the SmartRide app or plug-in device to track their habits
• Nationwide SmartRide has a 3.5/5 rating from WalletHub’s editors
• Not available in AK, CA, HI, LA, MA, NY & PR
• Customer reviews of the app average 4.5 out of 5
• Minimum coverage from Nationwide costs an average of $84 per month without SmartRide

Remember that poor driving while using SmartRide will not lead to as many discounts in the program as safe driving would. Additionally, regardless of whether you use SmartRide, Nationwide itself can raise your rates for things like at-fault accidents, speeding tickets, and other moving violations. Nationwide learns of such things from your driving record and CLUE report, rather than through SmartRide.

To learn more, check out WalletHub’s full review of Nationwide SmartRide.

Your Nationwide rate could have gone up for many reasons, such as a recent claim or a new driver being added to the policy. Other factors that could cause Nationwide to raise your rate include getting into an accident, being convicted of a moving violation, and adding coverage to your policy. Nationwide may also raise your premiums for reasons that are beyond your control, such as recent natural disasters, increasing repair and healthcare costs, and crime trends.… read full answer

Top Reasons Why Nationwide Raises Rates

• Recent claims
• New driver or car added to a policy
• Moving violations
• At-fault accidents
• Increased coverage
• Lower deductible
• Recent switch to an expensive car
• Relocation to a high-risk zip code
• Decline in creditworthiness

How to Lower Your Nationwide Insurance

If you’re struggling to afford your Nationwide premium, there are a few steps that you can take to lower your rate. You can start by looking for Nationwide discounts that you can qualify for, such as the anti-theft or safe driver discount. You can also make changes to your policy, including raising your deductible and reducing your coverage.

Another option is to switch insurance companies. Each insurer calculates rates differently, so you may be able to get the same amount of coverage elsewhere at a lower price. As a general rule, you should get quotes from at least three different companies every 6-12 months to make sure that you’re still getting the best deal.