SmartRide program criteria differ in California and North Carolina. Stated discounts are approximations. Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. The enrollment discount applies during data collection; the final discount is calculated on driving behavior and could be zero. The final discount applies at the next policy renewal and is subject to change based upon actuarial support at subsequent renewals or with changes in drivers or vehicles on the policy.
Products are underwritten by Nationwide Mutual Insurance Company and affiliates, Columbus, Ohio. Availability varies. The SmartMiles variable premium is based upon the cost per mile established for the coverages in force and the number of days and miles driven when the coverage is in force. SmartMiles’ safe driving behavior discount could be zero and does not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. The safe driving behavior discount applies at the next policy renewal and remains while the vehicle is enrolled in SmartMiles. The estimated premium is subject to change based upon final rated mileage during the mileage period and policy changes. The safe driving behavior discount is not available in California.