Nationwide is one of the largest insurance and financial services companies in the US. Their "On Your Side" promise includes flexible coverage options, but their rates aren't always the lowest. Here's how to optimize your Nationwide policy.
6 Ways to Save on Nationwide
1. Try SmartRide
Nationwide's telematics program monitors your driving for up to 6 months. Safe drivers save up to 40% — one of the highest telematics discounts in the industry. It tracks mileage, speed, hard braking, and time of day. Nationwide guarantees your rate won't increase from SmartRide data.
2. Bundle for Maximum Savings
Nationwide offers aggressive multi-policy discounts:
- Auto + home: Up to 20% off
- Auto + renters + life: Additional stacking discounts
- Add pet insurance: Yes, Nationwide offers pet insurance that can bundle
3. Claim Every Discount
- Vanishing deductible: Your deductible decreases by $100 for every claim-free year
- Good driver: Clean record for 5+ years
- Good student: Under 25, B average or better
- Anti-theft discount: Vehicle security systems
- Defensive driving course: 5-10% off in most states
- EasyPay: Automatic payments from checking account
- Paperless: Go paperless for a small discount
- Brand new car: Newer vehicles cost less to insure
- Home safety devices: Smoke detectors, alarm systems, deadbolts
4. Review Your Policy at Renewal
Call 1-877-669-6877 and request a policy review 30 days before renewal. Ask about:
- Current vs. available plans
- New discounts since your last review
- Whether your mileage and usage are still accurate
5. Get Competing Quotes
Nationwide's rates vary significantly by state. Get quotes from GEICO, State Farm, and Progressive to create negotiation leverage.
6. Leverage the Vanishing Deductible
If you've been claims-free, your deductible may already be lower than you think. Verify your current deductible level — this can affect whether you should file smaller claims or pay out of pocket.
Quick Checklist
- [ ] Enroll in SmartRide for up to 40% savings
- [ ] Bundle auto + home + other policies
- [ ] Verify all discounts are applied
- [ ] Check your vanishing deductible status
- [ ] Get competing quotes before renewal
- [ ] Call 1-877-669-6877 for a policy review
Bottom Line
Nationwide's SmartRide program (up to 40% off with no downside risk) is the single best savings opportunity. Combined with their vanishing deductible and multi-policy bundling, most Nationwide customers can save $200-600/year.
Sources
- Nationwide discount programs and SmartRide details
- J.D. Power insurance satisfaction studies
