State Farm’s Drive Safe and Sace is an amazing program for insurance holders. Insurance holders can save up to 30% on the auto insurance premium. Insurers are aware that people following safer driving habits are less likely to engage in risky accidents and file an insurance claim.
That’s why State Farm has developed this brilliant program that uses telematics technology. Is the State Farm Drive Safe and Save program worth it? This review will tell you how it works, its perks and downsides, and more. That’s how you will learn whether you should invest in it.
A Quick Introduction to State Farm’s Drive Safe and Save Program
State Farm’s Drive Safe and Save program is a usage-based insurance policy that lets the company monitor how its customers drive. Customers who follow safe driving habits can get exciting discounts on their car insurance premiums.
In addition, State Farm demands that customers get up to 30% discounts based on their mileage and driving characteristics if they participate in the Drive Safe and Save UBI program.
Additionally, the company keeps adding the premium discount at the end of customers’ 6-month policy terms. However, you must actively participate in the State Farm Drive Safe and Save program.to get a discount at every renewal.
How Does State Farm Drive Safe and Save Work?
State Farm monitors your basic driving characteristics using telematics technology. So, the insurance company just collects data wirelessly from your connected car and mobile device. How exactly does the State Farm Drive Safe and Save work?
Here, we have mentioned how the program works using the following tools:
Dedicated Mobile Application
State Farm has a specific Drive Safe and Save application for iOS and Android devices. Participants of the program have to download and install the application. Then, you must pair the app with a Bluetooth beacon you receive through mail from State Farm.
On the other hand, the State Farm Drive Safe and Save program’s beacon is designed to stick to your car’s windshield. The beacon and the app work together and track all your driving data. In addition, the app keeps an eye on whether you pick up your phone while driving. This is because using the phone can cause distractions while driving.
Connected Car to the Program
Apart from the mobile app and beacon, State Farm uses the car to collect data using telematics technology. However, the car has to be a 2020 or newer Lincoln or Ford vehicle that supports telematics technology. If you don’t own such a vehicle, you must rely on the app mentioned above and Beacon Duo.
Otherwise, you need not download the app. Your car alone can monitor your driving habits occasionally and transmit the data set to the insurance company. Next, State Farm will analyse the received data and calculate the discount you deserve at the end of your 6-month policy term.
State Farm’s Drive Safe and Save reviews from verified users have confirmed that the insurance company never charges you relying on your driving habits. On the other hand, you can lose the anticipated discount if you exceed the 7500 mile per year limit decided by the insurance company.
Furthermore, you must keep participating in the program to receive the discount. You can earn increased or decreased discounts at subsequent renewals based on your driving habits. However, State Farm will remove the discount feature from your insurance policy if you stop signing up for the program.
Data Collected by State Farm Drive Safe and Save Program
What kind of data does State Farm collect to offer you the discount with the Drive Safe and Save initiative? So far, we have come across that the State Farm Drive Safe and Save program collects the following data:
- Annual mileage
- Hard braking
- Phone use frequency while driving
- Speed relative to the mentioned speed limit
Hence, you must understand what Drive Safe and Save monitors while driving. It will help you maximise your discounts on car insurance premiums. Here are some proven tips that will guide you to get better discounts through State Farm Drive Safe and Save login:
- Maintain a safe distance between your car and the vehicle in front of you. Thus, you can avoid hard braking.
- Make sure that you don’t exceed the posted speed limit. Indeed, the app says that you must not exceed the 8-mile-per-hour limit.
- In addition, you should avoid sudden acceleration. You can save gas with this tip.
- You can also limit your overall mileage by using public transportation, carpooling, combining trips, etc., whenever possible.
- Refrain from using your phone while driving.
Pros of State Farm Drive Safe and Save Program
According to the State Farm Drive Safe and Save program’s official website, you can save up to 30% on your car insurance premiums every renewal. After all, premiums for car insurance can be expensive. However, this is not the only perk of opting for the program.
Here are some more potential pros of signing up for State Farm’s Drive Safe and Save program:
As the name suggests, you can only earn the anticipated discount if you drive safely. Safe driving habits will keep you, your family, and your vehicle safe. People joining the program are getting more concerned about going carefully and following traffic rules.
In fact, State Farm Drive Safe and Save program can encourage young drivers to maximise safety and minimise the risk of road accidents.
Believe it or not, Drive Safe and Save can save gas. People will drive carefully and slowly because of the initiative, which can lead to less fuel consumption. Thus, you can save money on gas.
In addition, your car will experience less wear and tear since you drive more cautiously. Your car will be in a well-maintained condition for a long period. Consequently, you don’t have to replace your car any time soon. This will improve environmental sustainability.
Precise Trip Tracking
State Farm Drive Safe and Save program lets you get accurate trip tracking. Thus, you can monitor the following measures of your journey:
- Travelled distance
- Trips and their durations
- Alternative routes
So, these datasets can be useful for insurance and personal purposes. The app records your trips that have taken place in the last 30 days.
It’s true that State Farm Drive Safe and Save program records your driving characteristics and data. However, they don’t sell them to anyone. Hence, you can be assured of their confidentiality and secure data policies.
Cons of State Farm Drive Safe and Save Program
Well, the Drive Safe and Save program from State Farm has its disadvantages. So far, we have identified the following cons related to State Farm Drive Safe and Save initiative:
Though State Farm doesn’t sell your data, you must share all your driving details, including trip routes, with the insurer. Therefore, the insurance company will know every location you drive to. On the other hand, they can share this data with third parties for marketing purposes.
Blind Spot in Locating Inaccurate Driving Habit
The State Farm Drive Safe and Save application may have a blind spot. Some users have complained that the app failed to evaluate some driving characteristics.
The app on your smartphone will consume your device’s battery. Additionally, you have to keep Bluetooth and internet connectivity on while driving. Moreover, the app might restrict you from using your smartphone’s built-in GPS navigation system.
Better Alternatives Available
You must know that State Farm Drive Safe and Save is not the only program available to emphasise safe driving habits. Other insurance companies offer better deals using similar programs. For example:
- Allstate Drivewise imposes no maximum signups.
- Progressive Snapshot offers a $37 average sign-up discount and a $145 average final discount.
- Nationwide, SmartRide offers a 40% discount on car insurance premiums.
So, you can find a more profitable alternative compared to State Farm’s Drive Safe and Save program.
Steps to Sign up for the State Farm Drive Safe and Save Program
State Farm offers easy quotes under Drive Safe and Save. However, you can follow the steps below for a simple State Farm Drive Safe and Save login:
- Install the Drive Safe and Save app from the Google Play Store or App Store. Otherwise, you can text SAVE to 42407 and get a link to download the app.
- Next, you must follow the on-screen instructions to register for the initiative.
- After that, you will receive the Bluetooth beacon via U.S. mail.
Finally, you can follow the instructions to pair the beacon with the mobile app. If you own a 2020 or newer Lincoln or Ford vehicle, you don’t have to install the app. Instead, you must follow the guidelines below:
- Include your vehicle in the LincolnWay or FordPass app’s Garage.
- Afterwards, contact your State Farm agent and inform the agent that you want to register for the Drive Safe and Save program.
- Next time you turn on your car, you must notice an in-vehicle agreement appearing on your car’s display. Now, agree to the terms and conditions to accomplish the setup required.
Should You Sign up for the State Farm Drive Safe and Save Program?
Everybody wants to save almost 30% of their car insurance premium. However, the State Farm Drive Safe and Save program might not be the right option. Especially if you have risky driving habits, keep checking your phones while driving, or put a lot of miles on your vehicle.
Otherwise, you can sign up for the program if you like to drive nice and slow. Additionally, you must avoid putting on a lot of mileage and hard braking. Moreover, this program can be beneficial for those who are struggling with poor credit scores.