Nationwide is committed to protecting customer data. The data collected is used only for research and analytical purposes related to the SmartRide or SmartMiles programs. The data is not sold to third parties for marketing purposes. Nationwide may share the data if it's legally required for use in an accident investigation and/or litigation.
Most customers can benefit from telematics. To find out which program is the right fit for your client, start a quote on Nationwide Express in Agent Center. It will help determine which telematics program is right for every customer/vehicle at the end of the quote.
During the program, the estimated discount is updated weekly based on driving metrics. At the end of the program, your final discount is calculated and applied at your next policy renewal. You will receive the discount for as long as the vehicle is insured with Nationwide.
Yes. SmartMiles offers the same flexibility and great coverage selections as a traditional auto insurance policy. With SmartMiles you could pay less because your monthly payment is based on the number of miles you drive.
When you enroll in SmartMiles, a base rate and a mileage rate (or cost per mile) are established. The base rate and cost per mile do not vary throughout the policy term unless you make changes to your policy.
To calculate your monthly payment, Nationwide combines the base rate and the cost per mile multiplied by the number of miles driven in the prior billing cycle (typically the prior month). Because the variable portion of your premium is based on mileage, it will vary month to month based on the number of miles you drive.
Use Nationwide Express® in Agent Center for fast, easy quoting.
Contact your Personal Lines Sales or Territory Manager to learn more.
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. Enrollment discount applies during data collection; final discount is calculated on driving behavior and could be zero. 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.
SmartMiles details and 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. The SmartMiles 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 Driving Behavior discount applies at the next policy renewal and remains while the vehicle is enrolled in SmartMiles. Estimated payments are subject to change based upon the final rated mileage during the mileage period and any policy changes.