Nationwide Car Insurance Discount Programs

Average Nationwide car insurance rates are $287.50/mo, but discounts for safe driving and combining policies can save you up to 50%.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 2, 2022

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Here's what you need to know...

  • Nationwide car insurance offers some of the most attractive discount programs around
  • Nationwide has no specific discount program for senior citizens
  • The Accident Forgiveness program is optional and aimed at drivers with great driving records
  • To benefit from the Vanishing Deductible program, you will need to go several years without paying out claims

Because the car insurance industry is competitive, Nationwide offers some of the most attractive discount programs around. Drivers of all ages are able to buy comprehensive auto insurance policies with low deductibles from Nationwide, and their premiums can continue to stay low even if they get into a car accident.

Nationwide uses both independent insurance agents and in-house employees to field thousands of incoming calls each day.

Consumers have begun to understand that they benefit from comparing rates and switching car insurance providers when their rates start to go up.

Nationwide has two distinct car insurance discount programs that were designed to solve two of the biggest motorist concerns:

  • The Accident Forgiveness program — Aimed at helping drivers avoid an increase in premiums after being involved in their first accident
  • The Vanishing Deductible car insurance discount — Rewards safe drivers monetarily when they are able to avoid submitting claims

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Can senior citizens get car insurance discounts with Nationwide?

Many other car insurers have discount programs for senior citizens; however, Nationwide does not.

Companies like AARP might be better suited for older drivers, as well as a membership with AAA. If you are a senior citizen and belong to any professional or industry-specific associations, you might be able to get a group rate discount on your Nationwide car insurance policy.

Senior citizens can still get great savings with Nationwide, but there are no specific discount programs available for them. Defensive driving courses and bundled insurance discounts are available to all Nationwide car insurance customers, no matter their age.

The American Association of Insurance Services is an agency that connects nearly 1,000 insurance providers in the U.S. Although membership is optional, all of the best-known insurance companies participate in this organization’s conferences, seminars, and other events.

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How does the Accident Forgiveness program work?

If you have ever submitted an insurance claim, you know that sometimes your premiums can be increased as a result. In fact, many motorists end up paying for their own car accident-related vehicle repairs rather than having to pay their deductibles and submitting insurance claims.

The Nationwide Accident Forgiveness program is completely optional and aimed at drivers with great driving records.

Policyholders who decide to participate in the Accident Forgiveness program are able to keep their premiums intact if they ever get into a collision. The Accident Forgiveness program extends to both at-fault and no-fault car accidents.

Although this discount program is not available to all Nationwide customers, it is a good way to save money if you qualify.

What is the Nationwide car insurance Discount Finder?

The Nationwide Discount Finder works to help existing customers get the most savings on their policies without needing to periodically get insurance quotes. This automated program automatically resets every six months.

When policyholders report a change of address, add more drivers onto their policies, or go for long stretches without submitting any claims, the Nationwide Discount Finder helps to lower their rates.

On the other hand, the Discount Finder can also be responsible for rate hikes. Although an increase in car insurance premiums can come as a surprise to some motorists, consumers usually know when they are going to end up paying more for coverage.

If your license has been suspended, you can almost certainly be guaranteed that your car insurance provider will increase your rates.

How do you qualify for Nationwide’s Vanishing Deductible program?

High deductible car insurance policies are more affordable than others. However, drivers sometimes need to pay their deductibles at the most inconvenient times. The Vanishing Deductible car insurance discount program can reduce or completely eliminate deductibles over time.

All you have to do is ask your Nationwide car insurance agent to enroll you in the Vanishing Deductible program and find out what changes you can make to your coverage to save more.

This program might not be available to you if you have submitted a high number of insurance claims.

To benefit from the Vanishing Deductible program, you will need to go several years without paying out claims.

Generally, younger drivers or motorists with a checkered driving history are not eligible for the Nationwide Vanishing Deductible discount.

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