Maximize savings with Nationwide discounts

Q: Do discounts reduce coverage?

No. Discounts adjust premium, not limits. Always verify limits/deductibles on quotes and policy documents.

Q: Will adding a teen erase my savings?

Premiums may rise, but student and telematics savings can offset part of the increase—bundle for more impact.

Q: How often should I re-quote?

At renewal and after life changes like a new commute, garaging address, or clean driving anniversaries.

Nationwide offers a wide set of discounts that can lower your premium without weakening your coverage. The key is stacking the ones you qualify for and aligning them with how you drive, live, and bundle policies.

This guide highlights popular Nationwide discounts, how they’re typically verified, and simple steps to keep those savings applied at renewal—not just at quote time.

Build your discount stack

Start with the high-impact options available in most ZIP codes, then add situational savings. Confirm each one on your declarations page so they don’t “fall off” later.

Get auto insurance quotes

Check which discounts trigger in your ZIP and vehicle class.

Get home insurance quotes

See how home + auto bundling changes the total.

Core auto discounts: multi-policy (bundle home/landlord/umbrella), safe driver/accident-free, telematics (SmartRide), vehicle safety features, good student, and pay-in-full or EFT. Ask your agent which have caps and which re-rate monthly vs. at renewal.

Profile-based savings: low annual mileage, defensive-driving course, homeowner credit on auto, and affinity programs where available. If you recently changed commutes or work remote, update your garaging and mileage.

Keep discounts active: telematics programs may require a period of driving data each policy term; payment-method savings depend on how you actually pay. Calendar reminders help you avoid losing credits next cycle.

Bundle smart: quoting home/landlord and auto together usually beats separate quotes. If you’re evaluating landlord coverage or short-term rental endorsements, include them while pricing the bundle to see the real net effect.

Quick table: common Nationwide discounts

Discount	How it’s earned	Notes
Multi-policy	Bundle auto + home/landlord/umbrella	Often the largest single saver
SmartRide/telematics	Share driving data for a period	Score can update at renewal
Safe driver / accident-free	Clean MVR/CLUE history	Watch for surcharge removal dates
Good student	Maintain GPA / transcripts	Submit proof each term

Tip: Quote the same limits and deductibles across carriers so discount comparisons reflect true price differences—not weaker coverage.

Frequently asked questions

Do discounts reduce coverage?
No—discounts change price, not your limit selections. Always verify limits on the quote and declarations page.

Will adding a teen erase my savings?
Rates can rise, but student and telematics discounts often offset part of the increase. Shop bundles when adding drivers.

How often should I re-quote?
At each renewal or after life changes—new commute, new garaging, or a clean driving anniversary.