See how SmartRide® can help increase sales and retain1 your clients by rewarding safe drivers.

How to provide support for policies enrolled in SmartRide.

How does it work?

Nationwide’s SmartRide program rewards customers who drive less. SmartRide automatically keeps track of a customer’s mileage, and the fewer miles they drive, the higher the discount they can earn.

5 percent participation discount; up to 15 percent off premium; keep track of mileage online

In Virginia, the discount may decrease at renewal based on changes in driving behavior.

How customers use SmartRide

 
woman driving a vehicle

number 1 iconWe send customers a small device that plugs into their car and measures driving trends.

number 2 iconThey can go online to track their discount and get personalized feedback about driving trends.

number 3 iconAt the end of the program, customers send back the device and lock in the final discount, which applies at the next policy renewal.2

Use this guide to get customers started with the SmartRide device quickly and easily — activation takes just 5 minutes.

Overcoming customer objections

I work graveyard shift so drive at night.
Someone who drives at night shouldn’t automatically be discouraged from participating in SmartRide. Nighttime driving is 1 of the 4 factors used to calculate the SmartRide discount. Someone who drives at night could still earn a discount that’s higher than the participation discount, if they perform well in the other 3 metrics.

I wonder how my data is collected and used. (answer should help with big brother and claims concern)
The data is only used for research and analytical purposes, related to the SmartRide program. The data is not sold to 3rd parties for marketing purposes. However, similar to other types of personal data Nationwide may share the data as permitted or required by law pursuant to a subpoena, court order, law enforcement or regulatory inquiry, or some other duly authorized data request. Nationwide and/or you may be legally required to provide the data to others who may use it in an accident investigation and/or litigation. Also, we only keep the data for as long as it’s legally required.

I don’t understand how it tracks my driving and why those factors are important.
Visit this page to find out what the program measures and why they are important to determine driving behavior: nationwide.com/getsmartride

There have been a lot of data breaches in the news and I am concerned about privacy.
Nationwide takes data privacy very seriously, and has dedicated resources to ensure personal data is protected.

Telematics systems are complicated to install and use.
Participation in SmartRide is really simple. Customers have the choice between installing a small device in their vehicle, which takes less than a minute, or downloading and activating a mobile app. Here are some videos: nationwide.com/getsmartride

See how the Jeff James Agency incorporates telematics into their sales process and overcomes objections.

Marketing resources

Visit our social media platform and Marketing Central to get the latest usage-based content to share with customers. Search “SmartRide” to access these materials.
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Use Nationwide Express® in Agent Center for fast, easy quoting.
Contact your Personal Lines Sales or Territory Manager to learn more.

1 2019 national Nationwide data for customers who completed the SmartRide evaluation period.

2 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.