Nationwide SmartRide® Ratings and Reviews

Wish I had been given more instructions

I do like the ap. Don’t we all like to know when we’ve done something well. A couple things I don’t understand. It’s regarding the phone and swiping it and looking at it talking on it and texting and driving which I am fully aware is against the law and I do not do that. However if you were driving and your GPS on your car it’s not picking up your directions that you need to be following and it’s necessary to reach for your phone and swipe up to see where you are I would assumed you get dinged for that? My wonder is if I am in a drive-through and I want to pay with something on my mobile app, my car is in the drive-through it is in the drive position am I dinged when I have to swipe up on my phone in order to check out via scan? In other words if the car is in drive and you are stopped does it have the same monitoring as if your car is in drive and you were actually moving? Also is there any documentation or instructions that I have access to in order to fully understand the rules of your monitoring?

Developer Response ,

We apologize and would like to help resolve your issue. Please contact our SmartRide team at 1-855-421-2688 so that we can specifically troubleshoot your issue with you.

Saving is believing

The app is fun and most of all it will save money!! I’ve been with nationwide for atleast twenty yrs in total these people are the best at what they do!!! These people sent this app to me and just like that i started saving money, best of all i like about this app when it sends in a report when its completed as of today it will save me a additional 40% on my insurance bill !! I don't think theres a competitor company that can do better !!! The only issue i found was in its speed reporting , either the app or my truck is off i had cruise control on at 68 it said i was doing 78 . Minor issue for a great app , since i was only over posted limit by 3 miles a hr i wont fuss , but now i have to run some test on my truck to see !! I hope all good drivers with clean records get the opportunity to try this app and save money with it !!! I think this will make a great teaching aid for new drivers once speed thing is corrected !!!

Amazing!

I was always skeptical about car insurance companies tracking my every move. But it’s not like that. I was worried being a passenger would count against me but nationwide has the best app ever they recognize whether you’re driving or not I’ve saved 24% on my policy. I would highly suggest to anyone to use the smart drive app. And besides this app, Nationwide has the best agents ever. Last time I called the lady was so sweet. She spent over an hour going over the details of my policy with me and was able to add even more benefits to my policy I was unaware of. I’ve had several other major insurance carriers, NATIONWIDE really is the best. Thank you Nationwide for recognizing the drivers in the world that are accident and ticket free.

Terrible

Honestly I participated in this same program with another company and never had so many issues with that app as I do with the nationwide one. This app never accounts to my train rides. Daily I take the train to work and I have to manually adjust the ride since the app can’t seem to figure out that I’m not driving. Another issue you are forced to have all drivers listed on the policy included in the app even if they don’t drive your car or even drive at all. When my husband and I are in the same car the app doesn’t even recognize that either. Instead of listing one of us as a passenger, instead the app tracks as both of us are driving which is impossible. Again you have to manually update that ride as well. They make it extremely hard to get a discount due to app issues like this. I’m not going to track all my rides and manually change every ride the app mistakes. Just not worth it for me. There are better motion tracking apps out there so nationwide can do better.

I really appreciate this App! It helps make me a better driver!

I was a little apprehensive at first hearing that it would somehow invade my privacy. On the contrary, it has helped me to be much more mindful of how I drive. I am more careful about distractions. I use my cruise control to keep my speed within the limit wherever I’m driving and on the humorous side, there is a friendly competition between my husband and myself, as to which one of us is the safer driver! In all seriousness, this is a very useful tool to help me be a safer driver, and the discount is definitely a plus!

Easy to use app

Turn it on in and let it run in the background! Interesting to see how many miles have been driven vs. how much idle time is spent in the car in traffic. Tracking hard braking events also flags that you may be too close to the cars in front of you, too often. One drawback there - the app doesn’t date the hard braking events to help jog your memory of the incident. Also, because it runs in the background, the status needs to be updated when you shift from driver to passenger, or use another mode of transportation. Although it’s an easy change to make, a notification/reminder to review driving status at the end of a day or week would be helpful. Especially for those who both ride-share and drive.

Nationwide is a joke and so is this App

My wife signed us up for full coverage insurance with Nationwide and we downloaded the app to be have our driving tracked and graded for the next several months. Started out paying close to $700 for six months. Using the app we would hope to receive a discount after several months of monitoring. I asked her to reach out to a few other insurance companies to compare rates. The very first reputable company she reached out to gave us a quote for $350 for six months for comprehensive for our two vehicles. I asked “is this some kind of joke? We are to have our driving scrutinized for several mos to only hope we get some sort of discount??” Needless to say, we dropped Nationwide like a hot potato and went with the other company with a better deductible and half the price. Nationwide is a joke and so is this big brotheresque App. Adios Nationwide.

TERRIBLE

This app doesn’t know IF YOU ARE A PASSENGER in someone else’s car. Like how ridiculous is that? In order to “make the app know this” you have to toggle it EVERY TIME you get in someone else’s car. Then when I called Nationwide and and said just send me a plug-in transponder they weren’t going to do it because “the app works on my phone.” That’s not the point! I basically argued with the customer service lady and had to threaten to pull my insurance, which I have no problem doing since I will probably get a lower rate somewhere else, if they didn’t. I have been a loyal Nationwide customer for decades. Since I was 16. I’m now 43 years old. I also have my pet insurance through them with two dogs on it. I pay an arm & a leg for it. Honestly very disappointing. They did end up sending me one but should not have to argue to get it.

Excellent recap of driving history and habits!

It’s like a recording of your driving history and habits! The SmartRide app is an excellent recap of your driving habits, including an actual road map of each trip for each trip including distances and times traveled. Since I drive so few miles each year, I’m looking forward to the prospect of a discount, especially since premiums have risen so fast over the last few years. I have enjoyed having the detail information provided on daily and weekly activity.

Surprisingly Good App

Before using the app I would have guessed this would be a 1-2 star rating but the app is very well designed. I’m not the biggest fan of the scoring parameters but I recognize that the insurance statistics nerds come up with those models so I can’t complain. You have to relax and understand that no system like this can work perfectly but that given enough time any anomalies will be drowned out in the sheer volume of data. It looks great for an insurance company app and it works exactly as advertised. Good job app team 👍🏻