What discounts does Nationwide offer?

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Things to remember...
  • Nationwide is a large US-based auto insurance company that’s been in the industry selling protection for 85 years
  • Nationwide offers life, business, renters, home, condo insurance and other financial and banking services
  • The company has received a good stable financial rating through investor service firms like Moody’s
  • Out of all of the larger insurers in the marketplace, Nationwide offers the third-most discount offerings
  • The Affinity Discount is unique to Nationwide, which is offered to specific businesses, schools, and unions


Nationwide isn’t just an auto insurer, it’s a financial services company. With a humble start 85 years ago when the carrier sold its first auto policy, it’s amazing to see how much the company has grown. This growth, combined with the fact that the company consistently receives a stable financial rating, is the reason why so many consumers want Nationwide to be by their side.

If you’re guilty of letting the company’s slogan entice you into buying an insurance product, do your homework first. While Nationwide is a top-notch and socially-responsible auto insurer, no single provider is perfect for all consumers. Do some comparison shopping with our free quote tool above!

It’s up to you as an auto insurance consumer to find out which companies are going to give you the discounts that you deserve. If you want to know which discounts are offered through Nationwide, here’s a valuable guide to reference:

Why are auto insurance discounts so important?

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If you don’t get your frequent shopper’s discount at your favorite retailer once, it’s not really the end of the world. You can’t take the loss and maybe even call the carrier to get a store credit. It’s a lot more important to get all of your discounts when you’re applying for auto insurance and renewing your coverage.

Auto insurance is so important because of how often you have to pay insurance. Auto insurance isn’t some consumer good that you can just pay off and on when you want the protection, it’s something that you must have permanently for as long as you’re going to register a car in your name.

Since the average cost of insurance is $831 per term nationwide, it has to be a priority to find several ways to save. Drivers can’t change their age, their gender, and how long they have been licensed.

These are all different rating factors that are used during the classification process. In layman’s term, there’s a long list of details used specifically to qualify you for coverage and assign you a premium. You can have the insurer discount your premium as long as you’re eligible through the company which can save you a significant amount over the years.

Types of Discounts Offered By Nationwide

If you pulled out an all-inclusive list of all of the discounts offered by every single Property and Casualty insurance carrier in the nation, you would see tons of different options. Nationwide and other insurers all offer their own variety and they set their own guidelines for giving the discounts out.

If you were to take each and every discount offered by Nationwide and separate each of them into a category, you’d have three different types of discounts. That would be discounts for the driver, discounts for the vehicle, and policy discounts.

The company itself has 35 different discounts to choose from. Out of the larger companies, this is the third highest number. You may not qualify for all of them, but stack at least a dozen of them and save.

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– Driver Discounts From Nationwide

In the eyes of a preferred insurer like Nationwide, the best driver would be someone with several years of experience and a clean driving record. Even better would be someone with perfect credit and no non-fault claims. You might not fit into this classification, but you should still look for the following driver discounts:

  • Defensive Driver (must be 55+ and take an approved course)
  • Distant Student (for college students attending school 100+ miles away)
  • Good Student (GPA of 3.0 or higher for students between 15-24)
  • Homeowner
  • Further Education (for having a 4-year degree or higher)
  • Occupation (discounts for occupations only available in CA)
  • Life Insurance
  • Married
  • Safe Driver

– Vehicle Discounts From Nationwide

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Every car presents a different level of risk to insure. You might think there’s no major difference between a Honda Civic and a Nissan Maxima, but the insurer will if they have different claims trends. That’s why you should compare rates before buying any car. As you’re shopping for a car, look for cars that will offer you the following vehicle discounts:

  • Adaptive Cruise Control
  • Adaptive Headlights
  • Anti-lock Brakes
  • Anti-theft (passive alarm that sounds or active alarm that disables the engine)
  • Electronic Stability Control
  • Daytime Running Lights
  • Newer Vehicle (car must be 5 years old or newer)
  • Lane Departure Warning
  • Forward Collision Warning
  • Passive Restraint
  • Vehicle Recovery (for LoJack and OnStar)
  • VIN Etching

– Policy Discounts From Nationwide

It’s not just your information as a driver and the type of vehicle that’s considered when calculating rates. Having an established insurance history, an established credit file, and a stable residence can help you save with Nationwide. Here are additional policy discounts to look for:

  • Claim Free (policyholders with no at-fault claims in the last three years)
  • Driving Device Installation
  • Advanced Quote (must be given 8+ days before the policy effective date)
  • Family Plan (for combining insurance with family members)
  • Low Mileage (only in CA for drivers who drive less than 10,000 miles)
  • Financial Stability (for drivers with good credit and a stable residence)
  • Multi-policy (for maintaining two or more lines of insurance with the carrier)
  • Multi-car (for insuring two or more companies with the company)
  • Paperless Documents
  • Persistency Discount
  • Affinity Program (offers discounts to 1000 different businesses, unions, and students
  • Auto Billing

As you can see, there are 35 different discounts that you might be able to add to your policy to cut your premiums in half. The only way to see how much you’re going to save by adding discounts is to get a quote.

Fill out a quoting form so that you can apply the discounts yourself and you can see if Nationwide’s discounts are enough to make you switch. Make sure to use our free insurance comparison tool below to check out the best rates for you now!

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