Nationwide does not offer a pay-in-full discount. Some insurers, such as Progressive and Allstate, allow customers to pay less for coverage if they pay the entire cost of their policy in-full up front. But unfortunately, Nationwide does not.
Even though Nationwide doesn’t let you save by paying your entire premium up front, you can still take advantage of other discounts. For example, Nationwide has a easy pay discount for drivers who set up automatic payments from a checking account, credit card, or debit card.
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.
Nationwide does not advertise a marriage discount, though married drivers do pay less for Nationwide car insurance than single drivers, on average. For example, a 45-year-old married driver with a good record on the road pays an average of 4% less for Nationwide coverage than the same driver without a husband or wife. Married people also typically qualify for more Nationwide discounts, like the multi-vehicle and multi-policy discounts.… read full answer
Married couples tend to be more careful on the road and get into fewer accidents, which translates into lower Nationwide rates. But there are some exceptions, and sometimes a shared policy can be more expensive. If your spouse has a poor driving record or is considered a high-risk driver for another reason, you could pay more for your Nationwide policy.
To get a Nationwide quote, you can go online or call 1-877-669-6877.
Yes, Nationwide offers a defensive driving course discount for drivers aged 55 and older who have successfully completed an approved driver's education course. By voluntarily taking an approved defensive driving course, Nationwide car insurance customers in eligible states can get a discount of up to 5%. Once the discount expires, drivers can renew it by taking another course.… read full answer
Defensive driving courses improve your driving skills by teaching you how to handle difficult situations on the road. For example, common traffic school topics include DUI/DWI laws, the consequences of different moving violations, and how to share the road. Specific details vary between states and classes, but online defensive driving courses typically cost up to $40 and take 4-12 hours to complete.
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