Two is better than one

Give your customers even more personalized savings by combining telematics programs. If customers insure multiple vehicles with Nationwide®, they could have individual vehicles enrolled in SmartMiles®, SmartRide®, and a vehicle not enrolled in telematics in the same policy.

Policy A Low mileage SmartMiles and Frequent driver SmartRide, Policy B Low mileage SmartMiles, Frequent driver SmartRide and Vehicle not participating in a telematics program

How to sell both

It starts with one question: "Are you a low-mileage driver?" If yes, offer SmartMiles. If no, offer SmartRide. Remember to ask customers about all drivers on their policy.

Sample conversation script:

"Nationwide has a couple of programs that could help you save on car insurance. Are any of your vehicles driven infrequently? The SmartMiles pay-per-mile program could be a great fit: It offers a flexible monthly rate that’s based on mileage. As for your everyday vehicle(s), SmartRide could save you up to 40% for safe driving."

SmartRide vs. SmartMiles: Key differentiators

Mileage range Premium Measuring data Consumer experience Unique benefits

Smart Ride icon SmartRide

Frequent driver Discount based on safe driving habits with a static monthly rate Customers can participate with an easy-to-use app that can be activated in 5 minutes and provides personalized driving feedback. Weekly emails and an online portal and dashboard provide customers with driving feedback and their estimated discount 10% participation discount + up to 40% safe driving discount

Smart Miles icon SmartMiles

Low-mileage driver (10,000 miles or less annually) Based on mileage with a flexible monthly rate The device remains plugged in for the duration of the program Monthly emails and online portal show customers their mileage and expected premium Customers receive an average $320 annual savings*

Nationwide's marketing efforts

Selling telematics is more effective when customers are already familiar with the programs. That's why we continue to promote SmartMiles and SmartRide in key markets nationwide. Current telematics advertising includes:

  • National TV
  • Social Media
  • Digital media
  • Digital radio ads in key markets
  • Hyperlocal ads in key markets
Visit Hearsay and Marketing Central to get the latest usage-based content to share with customers. Search "SmartRide" and "SmartMiles" to access these materials.

Sales resources

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Use Nationwide ExpressSM in Agent Center for fast, easy quoting.
Contact your Personal Lines Sales or Territory Manager to learn more.
* Based on national Nationwide data from December 2019 through November 2020

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.