Nationwide Mutual Insurance Company is the 10th-largest American private auto insurance provider by market share, according to NAIC. The company has hundreds of insurance agents located in more than 140 cities and towns throughout Missouri.
SmartMiles Pay-Per-Mile Program
Nationwide’s SmartMiles program is a form of usage-based car insurance aimed at low-mileage drivers or those who drive less than average. The cost consists of two parts: a base rate and a variable per-mile cost that adds up the miles you drive per month. The less you drive, the lower your monthly bill will be.
SmartMiles offers the same coverage options as traditional Nationwide insurance policies. To join, participants must install telematics devices in their vehicles. 2018 and newer Ford and Lincoln connected cars can track miles without telematics devices by sending driving data to Nationwide directly.
Nationwide offers a 10 percent discount after your first SmartMiles renewal, as well as a road trip exception, which doesn’t count the first 250 miles on a single day towards your monthly total. You can keep tabs on your mileage and monthly payment via Nationwide’s mobile app and online portal.
You may be a good candidate for SmartMiles pay-per-mile insurance if any of the following apply to you:
- It takes you less than 25 minutes each way to drive to work.
- You work from home and don’t commute.
- You walk, bike, carpool, take public transit, or use another form of transportation instead of driving your car regularly.
- You have an extra car that you drive rarely.
SmartRide Safe Driving Program
While SmartMiles only tracks your mileage, Nationwide’s SmartRide program tracks both mileage and driving behaviors, making it a better choice for safe drivers. Nationwide offers an instant 10 percent discount upon signup and discounts of up to 25 percent in total, based on how little and how safely you drive.
To participate, contact your insurance agent or Nationwide’s customer service at 1-877-669-6877. Nationwide will send you a small device that plugs into your car and measures the number of miles you drive; your braking, acceleration, and idling time; and how often you drive between midnight and 5 a.m. Log on to your Nationwide account to track your discount and get personalized feedback about your driving behaviors.
Get Help Assessing Your Insurance Needs
Choosing between insurance coverages can be confusing. Not sure if you’re a good candidate for SmartMiles or SmartRide, or if you should explore different types of coverage?
After you sign up for a policy, Nationwide gives you the opportunity to talk with one of its insurance professionals to review your insurance and answer questions at regular intervals. Nationwide calls these free insurance assessments their On Your Side Review and offers them annually or whenever there’s a change in your life, such as a marriage, the birth of a child, or a new home. This assessment is intended to help you with the following subjects:
- Understanding your insurance policy and benefits
- Ensuring you have the right amount and types of coverage
- Determining if recent or upcoming life events mean you need to update your coverage
- Determining which discounts you qualify for