No, Nationwide does not have a teacher discount. Although Nationwide does not offer special discounts for educators, teachers can still save with some of the Nationwide’s other discounts, including a multi-policy discount, a defensive driving discount, and an accident free discount.
That said, car insurance companies like Nationwide often take a driver’s occupation into account when calculating rates (in states where it is allowed). As a result, teachers might save simply because they are in a low-risk occupation for car insurance.
Insurance companies do not disclose their exact formulas for calculating rates, however. So comparing quotes between at least three companies is still the best way to find inexpensive coverage for teachers.
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.
Yes, Travelers has a multi-car discount up to 8%. To qualify for the Travelers multi-car discount, a customer must insure two or more cars on the same Travelers auto insurance policy. The discount automatically applies to a qualifying Travelers policy, but it does not compound, meaning you won’t get a bigger discount for insuring more vehicles.… read full answer
In addition to Travelers’s multi-car discount, the company offers other ways for customers to save money on their premiums, such as the multi-policy discount, safe driver discount, and new car discount, among others. For more information, check out the complete list of Travelers discounts. And if you’re unsure whether a discount that you qualify for is being applied to your policy, you can contact Travelers by calling 1 (800) 842-5075.
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… read full answer
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.
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