To get a Nationwide affiliation discount, you must be a member of an affiliated professional association, university group, or social club. Affiliated groups include the American Nurses Association and the University of Utah, though eligibility and discount amounts may vary by organization and state.
Examples of Groups Eligible for Nationwide Affiliation Discounts
American Nurses Association
Archeological Institute of America
Fraternal Order of Eagles
University of Utah
This list is not exhaustive, since Nationwide Insurance does not publish its complete list of associated groups and professions. To see if you are eligible for a Nationwide affiliation discount, you can call the company at 1 877-669-6877.
Yes, Nationwide does have a military discount of 25% off a customer’s auto insurance premium, but only in Louisiana. The Nationwide military discount is available to eligible members of the United States Armed Forces community who are based in Louisiana or whose spouse and/or dependents live there.
Louisiana is the only state that requires car insurance companies to offer military discounts, so servicemembers and their families based in Louisiana will save on their car insurance premiums regardless of the company. To ask Nationwide to apply a military discount to your policy, call 1 (877) 669-6877.… read full answer
Nationwide Military Discount Eligibility Requirements
Active-duty military and based in Louisiana
Active-duty military, deployed out-of-state or oversea from Louisiana
Active-duty military, deployed out-of-state or overseas, with a spouse and/or dependents who are based in Louisiana
Yes. Nationwide insurance rates are competitive. Nationwide ranks 5 overall in WalletHub’s national cheap car insurance study. The average cost of a full-coverage Nationwide car insurance policy is $353 per month. You can also find sample rates for six different driver profiles below.
Overall, Nationwide's auto insurance rates tend to be lower than those charged by most other major insurers, including Allstate, Nationwide, and Travelers.
Nationwide is a convenient, one-stop-shop for drivers who want to bundle their auto insurance with other types of policies, like homeowners, renters, life, motorcycle, and more. But despite the name, Nationwide auto insurance isn't actually available in all 50 states. Coverage isn't available to residents of Alaska, Hawaii, Louisiana, or Massachusetts.
Nationwide’s car insurance rates are based on your driving record and experience, along with a variety of other factors like the type of car you drive, your zip code, insurance history, and more. Your coverage and deductible choices impact the final quote, too, as do your eligibility for discounts.
Our sample quotes are representative of Nationwide’s insurance prices, but individual results will vary. For example, these quotes do not take into account any Nationwide discounts, which can lower premiums significantly. To learn more about how we obtained these sample quotes, check out the methodology section of our complete Nationwide car insurance review.
Ultimately, knowing that Nationwide is among the cheapest major auto insurance companies is only a starting point as you shop for coverage. The best car insurance for your needs must not only fit into your budget, but also provide quality coverage and excellent customer service, too.
You can lower your Nationwide car insurance costs by taking advantage of Nationwide discounts, opting for a higher deductible, and reducing your coverage, among other things. Nationwide considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.… read full answer
How to Lower the Cost of Car Insurance from Nationwide
Use Nationwide’s auto insurance discounts
Nationwide offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount of $646 on average if they bundle their home and auto policies. Or you can save up to 10% on your premium if you lower your mileage with SmartMiles.
Raise your car insurance deductible
Opting for a higher deductible on any of your insurance policies from Nationwide can lower your premium. But if you decide to go this route, it’s important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.
Less coverage usually means lower premiums, but it could also lead to higher costs in the long run, so it’s important to approach coverage decisions with caution.
Improve your driving record
Practicing save driving habits and avoiding moving violations can help you qualify for lower Nationwide insurance rates long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state. Nationwide even offers a up to 40% discount to drivers who take an approved defensive driving course.
Build and improve your credit
Because your credit history is correlated with your likelihood of filing an insurance claim, Nationwide uses your credit data to calculate your premium in states where it is legal. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.
Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your Nationwide premium.
Drive an insurance-friendly car
Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from Nationwide to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.
Sign up for SmartRide
SmartRide, the Nationwide telematics program [specific state available], rewards you for good driving with a discounted premium. Specifically, SmartRide tracks miles driven, braking, acceleration, and the time of day that you drive. By using SmartRide, drivers can save up to 40% on their rate.
Finally, if you’re still struggling to afford your Nationwide policy, you should consider switching insurers. Even if you’re not actively looking for a new policy, it’s generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub’s guide to switching car insurance companies.
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