Nationwide my smart ride




Nationwide my smart ride

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  • Download Nationwide SmartRide and enjoy it on your iPhone, iPad, and iPod I have used the mobile app on my phone for a couple months now and have.

    If you're a Nationwide customer and you enrolled in the SmartRide Mobile Program (available only in Arizona, Arkansas, Connecticut, Delaware, Georgia.

    Aug 30, SmartRide is offered as an optional program to any Nationwide member who has auto insurance. The program gives you an instant 5% auto.

    Nationwide my smart ride

    Nationwide my smart ride

    This app uses location services in order to collect your driving data. DriveSense mobile by Esurance. Nationwide is one of the companies that is still using the plug-in device method of tracking driving habits. So far, Nationwide continues to use this approach, with an app available for keeping track of what the device is recording, providing something of a combination approach. Installing the plug-in device is straightforward, and instructions will come along with the device in the mail.

    Nationwide my smart ride

    Nationwide my smart ride

    Nationwide my smart ride

    Nationwide my smart ride

    Nationwide my smart ride

    Usage-based insurance has been around for a while now, and most major insurance companies — along with many smaller ones — offer some type of usage-based program. At the end of the evaluation period, a discount is calculated and applied to the policy on renewal to replace the initial sign-up discount. SmartRide operates using a plug-in device that connects with a mobile app and tracks driving habits. It records miles driven, trip information like time of day and amount of time spent idling, and incidents of hard braking and speeding.

    While many other companies are moving away from the plug-in device and towards an app-only program for recording information, SmartRide continues to use the device approach. Which of these options is better is a matter of opinion. Some people prefer to use the app, while others find it to be a less private method of gathering information.

    Nationwide my smart ride

    Some apps gather information from the phone, which makes some drivers uncomfortable. So far, Nationwide continues to use this approach, with an app available for keeping track of what the device is recording, providing something of a combination approach. SmartRide is a discount program with no risk of a rate increase as a result of the information that is recorded. That is true of the majority of such programs, with the exception of a few companies that may increase rates based on a recording of unsafe driving habits.

    The device records information for a set time period, calculating a discount over time to come to a final percentage off the rate. That discount will then stay in place for the remainder of the time that the policy is in force. Currently, SmartRide is offered to Nationwide customers as an optional program, and it is not available in all states.

    Nationwide my smart ride

    Discounts and program details vary by state. We were unable to find a clear list of states in which the SmartRide program is offered on the SmartRide page of the website, which would be helpful if it was updated.

    After signing up for SmartRide, the customer will be sent a plug-in device through the mail. The website offers instructions for how to plug it in, after which it will start recording information about how the vehicle is driven. The plug-in device stays in the vehicle for four to six months, after which it can be removed and returned by mail to Nationwide.

    During the program, the driver can use the app to monitor what is being recorded, with the hope that seeing opportunities for improvement will lead the driver to adjust over time. Since the discount is being calculated on an ongoing basis during the duration of the program, it will reflect changes the driver makes to their driving habits.

    Nationwide my smart ride

    A new discount is shown on the app on a weekly basis. When the time period is over, the final discount is calculated and applied to the policy on renewal.

    Some programs allow ongoing calculation of a new discount, but SmartRide runs only once. After you have received a discount, that discount will not change, and you will keep receiving the discount for as long as you remain a Nationwide customer. SmartRide records several different aspects of your driving behaviors, most of which are similar to other usage-based programs on the market.

    Skepticism over insurance company's devices that tracks your driving habits to save money



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