Call 515-274-5500 ☰ ˟
Logo
Call 515-274-5500
  • Home
  • Get A Quote
    • Automobile
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Workers Compensation Quote
    • Farm
    • HealthImage of right arrow
      • Health Insurance Quote
      • Disability Insurance Quote
    • Homeowners
    • Life
    • Motorcycle
    • Recreational Vehicle
    • Watercraft & Boat
  • Blog
  • Resources
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • About Us
    • About Flesher & Associates
    • Location Map
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home Icon

Home

Your home is your most valuable asset. We’ll make sure it is well protected.

Learn More
Business Owners Icon

Business Owners

Every business is different. Let us design a plan tailored to fit your needs.

Learn More
Life Icon

Life

We shop the top life insurance carriers to find the plan that’s right for you

Learn More
RV and Boat Icon

RV & Boat

Whether on the road or on the water, we have a plan to keep you protected.

Learn More
Home > Blog > Nationwide's SmartRide can save you money by encouraging safer driving
FRIDAY, OCTOBER 9, 2020

Nationwide's SmartRide can save you money by encouraging safer driving

Nationwide’s SmartRide program can help you drive more safely and save money in the process. That’s a powerful combination and the program is user friendly – easy to start and to monitor.

Most of us don’t think about our driving. We’re working from muscle memory, with habits that have been ingrained from constant practice. We may not think about what we’re doing because we do it all the time.

SmartRide helps drivers make better decisions, based on information about how they drive today. As a bonus, it comes with a reward — a discount on car insurance just for participating, with potential to earn a final discount based on your driving data.

Nationwide has learned that when participants receive feedback on their driving tendencies, they want to do better. It wasn’t easy to give customers that information, though. SmartRide gives safe drivers the information they need to make smarter driving decisions.

How SmartRide works

You plug the SmartRide device into your car and it measures your driving habits for about four to six months. The information is automatically transmitted to the SmartRide website, where you can see how you’re doing. At the end of the program, you can earn your final discount and return the device to Nationwide.

SmartRide Savings

The savings start from the get-go. Nationwide members receive a 10% discount when they sign up for the program. As you improve your driving behavior and develop better habits, you could earn a final discount of up to 40%.

Although the discount is a prime incentive for using SmartRide, the feedback provided by the program can help you make better driving decisions. For example, hard breaking and fast acceleration are associated with aggressive driving. Drivers can get into the habit of speeding up to get past other drivers, then have to stop short to avoid an accident. Driving smoother can avoid most hard braking and fast accelerating events. And although sometimes there are legitimate reasons to brake hard to avoid an accident, the program evaluates trends, not individual incidents.

Helping you improve your driving habits

Nationwide has seen that participants have reduced hard braking dramatically as a result of the program. With SmartRide, participants receive detailed information on each trip to help them identify when a specific event happened, giving them an opportunity to do better in future trips.

Some of the changes are less about how you drive and more about the time and the routes you take. For example, your commute may force you to spend a lot of time sitting idle in traffic. This increases the risk of accidents, and there may be ways to change your habits. Maybe you can leave a little earlier or a little later. Or you could change your route so that you move more efficiently.

Another factor that SmartRide looks at is night driving. It may be hard to change that, if your night driving is job-related or if you go out regularly to meet friends.

Participating in SmartRide won’t increase your rates. That said, night driving will decrease the size of a discount and mean higher rates compared to drivers who are active during the day.

Drivers are more likely to improve when they understand how. The SmartRide program offers easy access to information that can help them develop safer driving habits, and as a result, can lower their car insurance rates.

 

Products underwritten by Nationwide Mutual Insurance Company and Affiliates. Columbus, Ohio. Availability varies. 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 remains until drivers or vehicles on the policy change.

Posted 11:21 AM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020

  • auto insurance(7)
  • iowa(6)
  • des moines(6)
  • car insurance(5)
  • clive(3)
  • johnston(3)
  • urbandale(3)
  • grimes(3)
  • winter driving(2)
  • rates(2)
  • insurance(2)
  • des moines car insurance(2)
  • auto(2)
  • west moines(1)
  • rv insurance(1)
  • ties(1)
  • waukee(1)
  • safety(1)
  • flesher(1)
  • des moines auto insurance(1)
  • cheap(1)
  • roadside assistance(1)
  • snow(1)
  • repair(1)
  • maintenance(1)
  • west des moines(1)
  • scratch(1)
  • car(1)
  • best(1)
  • teen drivers(1)
  • claim(1)

View Mobile Version

Contact Us Today!
515-274-5500

Social Social

Resources

  • Products
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

1239 73rd St, #H
Windsor Heights, IA 50324

P: 515-274-5500 | Fax: 515-274-3919
© Copyright. All rights reserved. | Powered by Insurance Website Builder