Driving properly, following the rules, and being safe is not easy stuff. However, when they drive safely by following all the traffic and road rules, they will be rewarded.
There comes a nationwide SmartRide program which is a type of insurance program which rewards or benefits them for safe driving. This is given with the motive that they will keep driving safely. Also, this can get them some discounts also when they are buying insurance plans.
What Is Nationwide SmartRide?
Nationwide SmartRide is a usage-based insurance program that makes use of three methods for monitoring the driving process. First, based on the driving measures, it rewards the driver, and as a result, discounts would also be given.
This monitors the driving for a specific time period which is of about five to six months. After that, the performance is marked, and the discounts will be given accordingly. Also, when they get insurance nationwide, it provides the guarantee that there is no increase in the insurance rates.
The program works differently in different countries and gives rewards accordingly. One will be able to get the rewards only when they register or are insured with this program. The discounts given under the program range from about 0% to 40%. Therefore, the average discount given would be about 22%.
How Nationwide SmartRide Works?
The Nationwide SmartRide works in different ways, which include a plug-in device or mobile app. All of these works are slightly different from each other, but the main motive of these is to monitor driving.
Mobile App
- The mobile app simply works by downloading and activating the app on their phone.
- After that, normally drive as they do and give confirmation of the first few trips.
- Keep checking the app often to see their progress.
- When the programs end, then lock in the final discount, and they will get it at the time of policy renewal.
- Talking about plug-in devices, one will get a small device that they need to plug into their car.
- Just do driving as one usually does, and then it will start tracking their trips.
- However, their first trip may take time to activate over the website.
- After that, they can check online to track their performance and can also check their discount over there.
- Once their program period ends, one can lock in their discount, and it will be given to them over their next policy renewal.
Plug-In Device
What Factors Are Measured By SmartRide?
The driving trends or performance would be measured by different driving factors.
Sara Routhier, Director of Outreach at ExpertInsuranceReviews.com, explains that these factors play an important role in overall giving discounts or rewards:
Miles Driven
It is considered that the more miles or distances they cover, the less their chances of getting the rewards are. This is because more miles could lead to more chances of accidents or crashes. On the other hand, if one drives short distances, they can get a high chance of earning more discounts.
Hard Braking
When one slams on the brakes abruptly and do this continuously, then this is not a sign of safe driving. They will not get the chance to earn rewards and discounts. This will aggressively affect their SmartRide performance and discounts.
Fast Acceleration
In case they accelerate too fast and on a regular basis, then this is treated as violent driving. If SmartRide finds that the speed goes in excess of 7.7 mph per second, then they are not considered for the rewards.
Idle Time
SmartRide also takes into consideration the idle time of their car. For example, the more their car spends idle time in between the traffic lights or between the roads that give the signs of more traffic.
The more traffic there is, the more chances of accidents would be there. Thus the SmartRide would not then give them a chance to earn rewards.
Nighttime Driving
In case they are driving more often at midnight, then there are more chances of accidents. To get eligible for SmartRide discounts or rewards, make sure that their car is parked during the period from midnight to 5 AM.
Is SmartRide Worth It?
The Nationwide SmartRide program is highly beneficial if they are insured with it. This program will give them the ways through which they can save their insurance rates.
In case they are not able to get any discount then also there are no chances of increase in their rates. This means that there is no disadvantage to adding it.
If one stays within the terms of safe driving for the complete program, they can have a maximum discount of up to 40%. So this can be a very great thing they can get from an auto insurance policy. Also, there is a chance of getting initial discounts also.
FAQs
Does SmartRide Track Their Location?
The Nationwide SmartRide program has the feature of tracking the acceleration and braking speed. But it is not able to track their location at any time, so they are safe from that point of view.
For How Long The SmartRide Discount Can Be Locked In?
When the performance period got completed, the discount they have earned will be added to their insurance policy. The discount will be locked in till the time their nationwide insurance plan remains active. One will get this discount at the time when their policy gets renewed.
Does SmartRide Track Their Speed?
Yes, the nationwide SmartRide tracks the speed, acceleration, and braking system. The average speed will be shown in their weekly reports. But only the average speed cannot be used to give them a discount.
Final Words
When talking about boosting their safe driving, it's important that they should insure with a nationwide SmartRide program. However, only getting insured is not enough to receive the rewards; they should also keep in mind the required driving factors.
Based on these factors they will get discounts. So this program can be very useful, and all they need to do for this is to just undertake safe driving. Thus follow the driving rules, avoid distractions and get the chance to earn the discounts on their insurance policy.
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Company Name: ExpertInsuranceReviews.com
Contact Person: Sara Routhier
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Country: United States
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