Statistics show that drivers over the age of 60 are involved in fewer accidents than younger age groups. However, that isn’t always reflected in auto insurance rates for older drivers. In fact, in many parts of the U.S., as auto insurance rates have been soaring, seniors have experienced as much as a 30% increase in their premiums compared to middle-aged drivers.
If you’re a mature driver looking for some relief for your wallet, the Nationwide mature driver discount can help. It offers a way for Nationwide auto insurance customers to save on their premiums — as long as they meet certain criteria.
Ready to learn more? Let’s get started.
What Is the Nationwide Mature Driver Discount?
The Nationwide Mature Driver Discount is a program offered by Nationwide Insurance Company to reward safe and experienced senior drivers with a reduction in their auto insurance premiums. Recognizing that older drivers often have decades of driving experience and generally exhibit cautious behavior behind the wheel, the program aims to make auto insurance more affordable for this demographic.
What Are the Requirements for the Nationwide Mature Driver Discount?
Generally, drivers must be at least 55 years of age and have a clean driving record to be eligible for the discount. Some states may have different age requirements, so you should consult with your Nationwide Insurance Company agent about the specific criteria in your location.
What Are the Requirements for the Nationwide Mature Driver Discount in California?
To qualify for the mature driver discount in California, you must:
- Be at least 55 years old.
- Have a valid California driver’s license.
- Maintain a clean driving record.
- Have a Nationwide insurance policy on at least one vehicle.
How to Get the Nationwide Mature Driver Discount
Here’s how to qualify for and obtain the Nationwide mature driver discount, step-by-step.
1. Make sure you are eligible for the program. In California, that means you need to be at least 55 years old, have a valid California driver’s license, maintain a clean driving record, and have a Nationwide auto insurance policy on at least one vehicle.
2. Sign up for a California DMV-approved mature driver course. These courses are sometimes also called defensive driving courses. They’re designed to refresh driving skills and adapt them to any age-related changes in vision, hearing, or reaction time. At Traffic Safety Institute, we offer a course that’s approved by the California DMV and accepted by all insurance carriers — not just Nationwide. Plus, we’re the only traffic school that guarantees you’ll save at least $100 on your auto insurance.
3. Complete the course and receive your auto insurance discount certificate. You’ll need to present the certificate to Nationwide Insurance Company to obtain your discount. At Traffic Safety Institute, you can complete the mature driver course at your own pace and receive your insurance discount certificate as soon as you complete the course and pass the final exam.
4. Submit your insurance discount certificate to your Nationwide Insurance office or broker. They’ll then apply the mature driver discount to your auto insurance premiums so you can start saving money.
FAQ About the Nationwide Mature Driver Discount
Below are some of the most frequently asked questions about the Nationwide mature driver discount program and how you can use it to save money on your insurance coverage.
1. What’s the Nationwide Mature Driver Discount Age?
The age to qualify for the mature driver discount can vary by state. In California, you must be at least 55 years old. The good news is that 99% of California drivers ages 55 and older are eligible for the program.
2. How Long Is the Nationwide Mature Driver Discount Valid?
Your first insurance discount certificate is valid for three years of discounts. Every three years, you’ll need to take a renewal course, which is similar to the mature driver course but shorter, to obtain a new discount certificate, which you can send to your Nationwide Insurance agent or broker to continue receiving your discount.
3. How Much Can You Save With the Nationwide Mature Driver Discount?
Discounts for mature drivers can vary by state and are often at the discretion of individual auto insurance providers, so check with your Nationwide Insurance agent or broker for exact savings details.
However, the typical savings for California drivers who qualify for the mature driver discount and submit an insurance discount certificate to Nationwide Insurance Company is 5%.
Consider this: The average cost of auto insurance premiums in California is $2,291 per year. At that rate, a 5% savings over three years of mature driver discounts would amount to $343.65 in total savings. That’s for taking the mature driver course just one time, before you ever have to renew.
When you take your mature driver course through Traffic Safety Institute, we guarantee a savings of at least $100 — but you can see how easy it is to save much more than that.
4. How Long Is the Mature Driver Course?
The mature driver course is composed of 13 modules, each with easy-to-follow materials. The California DMV requires at least 400 minutes of classroom instruction for those who take the initial course in-person, and 240 minutes for the refresher course.
When you choose to take the mature driver course online (like through Traffic Safety Institute), you can complete it at your own pace, from home or anywhere you have access to an internet-connected device. You can take your time if you’d like — though many people finish the course in a single sitting.
5. How Do You Get the Nationwide Mature Driver Discount?
If you meet the eligibility criteria for Nationwide’s mature driver discount, you just need to take and pass a California DMV-approved mature driver course, obtain your insurance discount certificate, and present the certificate to your Nationwide Insurance agent or broker. They’ll then apply the discount to your premiums for the next three years.
Sign Up for Your Mature Driver Course for Free with Traffic Safety Institute
Many traffic schools offer mature driver courses that are DMV-approved. Most of them charge $40 to $70 per course — plus extra hidden fees to obtain your insurance discount certificate once you finish the course and pass the final exam.
But at Traffic Safety Institute, the entire, DMV-approved course costs just $24.99. There are no hidden fees, guaranteed.
Here’s everything included in the $24.99 course fee:
- DMV-approved course
- Guaranteed to pass
- Electronic certificate copy
- Free and fast shipping for your physical certificate copy
- 24/7 live chat support
- Audio read along
- $100 insurance savings guarantee
Our mature driver course is accepted by all auto insurance providers — like AAA and State Farm — so if you switch insurance providers, you can still get a discount on your premiums.
Ready to get started? You can sign up for our mature driver course right now — there’s no credit card required to start. You don’t have to pay anything until after you pass.
Start saving money on your Nationwide car insurance. Sign up for a Mature Driver Course today and get started for free.
