Drive Safe & Save – State farm safe driver device

What are the grades for State Farm Drive Safe & Save?

State Farm promises that their program may save you up to 50% on your vehicle insurance coverage, which is a big sum that well outweighs the competitors.

The application provides two data gathering options, but unlike most others, neither plan requires you to insert a device into your vehicle. Drive Safe & Save gathers data and calculates your new premium using either the vehicle’s active OnStar system or a mobile device app.

What does it mean to “Drive Safe and Save”?

State Farm jumped on the telematics bandwagon about the same time Progressive was extensively selling Snapshot, a comparable telematics software.

Initially, the InDrive program, like Snapshot, relied on a plug-in telematics device to capture data via the car’s On-Board Diagnostics connector (OBD-II).

State Farm eventually stopped utilizing the plug-in device and instead relied on OnStar or the mobile app to collect data (they have also discontinued their SYNC program with Ford vehicles).

They aren’t the first insurance company to employ OnStar; National General was the first to do so in 2004, and they were also the first to provide a usage-based scheme.

Because National General is affiliated with GM, it was only natural that they would employ the GM-branded OnStar system. OnStar is a GM product that was initially designed as a kind of driver assistance system.

It might, for example, call for help if the car was engaged in an accident and the driver was unable to do so. An apparent new use for OnStar was the introduction of a telematics program for auto insurance.

The issue with this design is that it restricts the program’s availability to automobiles equipped with OnStar; here is where the mobile app comes in.

Furthermore, the data collected by OnStar is restricted to vehicle mileage. State Farm, like other usage-based insurance systems today, offers the option of utilizing an app.

The Drive Safe & Save smartphone app from State Farm operates in a similar fashion to many other comparable programs. Customers choose one of two techniques to allow information about their driving habits and performance, such as when and how often they drive, braking and acceleration, and speed, to be recorded. You may be eligible for a car insurance discount if your driving record demonstrates that you are a conscientious driver. As a result, this application enables you to drive safely and save money.

All of this information is utilized to provide the motorist with a reduction on their insurance prices when it comes time to renew their policy.

What is the idea of Drive Safe and Save?

There are two methods to utilize the application, as previously stated. State Farm can get odometer information through your vehicle’s OnStar system if you have one. To make this work, you’ll need not just OnStar in your car, but also a current membership to the service.

After that, the vehicle must be enrolled in OnStar Vehicle Diagnostics, which may be done by pushing the OnStar button in the car and following the prompts, or by phoning OnStar and having customer support activate the system and walk you through the setup procedure.

After that, State Farm will be able to request information from the OnStar system in order to compute the reduction on your vehicle insurance policy. You won’t have to report odometer State Farm if you use OnStar. The information will be relayed to you by OnStar.

The Drive Safe & Save smartphone app is the only option if you don’t have OnStar.

The beacon device does not need to be plugged in; it merely has to be put in the car, and it will send data to the Drive Safe & Save mobile app on your phone to collect data on driving behaviors. Self-reporting is not required with State Farm.

Drive Safe & Save is different from other similar applications in that it is a continuous activity. Unlike other usage-based systems, which gather data for a certain amount of time before ceasing, State Farm’s technology collects data on a continuous basis.

That implies that depending on your driving patterns during the previous insurance term, a new discount will be computed and applied at each renewal. On every renewal, drivers are required to send their odometer readings to State Farm so that mileage-based elements of the discounted rates may be calculated. There is also a low-mileage discount.

Drive Safe & Save, on the other hand, is similar to other programs.

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What is the record of Drive Safe and Save?

The program’s purpose is to track both safe and unsafe driving patterns and determine a discount depending on the vehicle’s overall driving behavior. To do so, the Drive Safe & Save smartphone app keeps track of the following information:

Acceleration: the system keeps track of how rapidly you accelerate and alerts you if you go too fast.
Braking: forceful braking incidents are noted.
Sharp, forceful bends in either direction are recorded by the system.
Mileage: the number of miles travelled each year by the vehicle.
Speed: the system keeps track of your speed as well as the amount of time you spend driving at speeds above 80 mph.
When you drive your car, the time of day is recorded.
When Bluetooth and location services are enabled, the vehicle’s location is recorded.
This list of collected data is a little lengthier and more complete than previous systems; the sharpness of turns, in particular, is a unique feature that is unique to this system.

What is the purpose of the info?

Only vehicle location data is excluded from the computation of your discount from all of the data collected by the mobile app system. When calculating the renewal rate, all of the other things on the list are taken into account.

Real-time speed is not recorded or compared to the posted speed limit, according to the website, and therefore has no bearing on the discount; nonetheless, a lot of high-speed driving may have an impact on your rate.

Grading for the State Farm Drive Safe & Save program is based on three factors: acceleration, braking, and turning. These ratings are based on which behaviors are safe and which are dangerous.

According to the website, a few instances of severe braking would not damage the total discount, noting that rapid braking may be necessary for a safe driver to prevent an accident.

With one important exception, information is utilized simply to compute a discount, and there is no chance of a car insurance premium rise based on your driving behavior.

If you previously reported driving fewer than 7,500 miles per year and received a discount based on that mileage, your current discount may be lost if your actual mileage exceeds that level.

The program’s driver comparison feature, which allows registered drivers to evaluate how they compare to other similar drivers, also uses data. This shared data tool does not contain any personal information.

If you have OnStar, your discount will be computed solely on the basis of yearly miles.

Which kind of Drive Safe and Save discounts are available?

Signing up for the Drive Safe and Save Program, according to the State Farm website, may save drivers up to 50% on their vehicle insurance costs.

That’s a high figure, but like other usage-based initiatives, it won’t be easy to achieve — if it can be done at all. So, is it worthwhile to Drive Safe & Save?

The program begins with an initial discount on membership, which is characterized on the State Farm website as “about 5%” – that’s rather ambiguous, and there’s no explanation for why or how this discount can change.

Once you’ve enrolled, the data gathering process begins, and when you renew, a new discount amount will be determined. The program lasts as long as the driver wants it to, and at each vehicle policy renewal, which is normally every six months, a fresh discount is generated.

The actual savings for most customers, according on user experience with the program, is in the range of 10-15%. That’s in line with the average discount from comparable usage-based schemes, but it’s a far way from State Farm’s advertised high-end 50 percent savings.

It’s impossible to think that any driver can get a 50% discount if the typical discount is in the 10-15% range. That’s the same result we’ve seen with previous programs: they offer a high-end discount, but no one has ever managed to get that high-end price.

Most other schemes, on the other hand, have a ceiling of 30%, which indicates that their average savings are around halfway there. The average discount for State Farm is much below the limit.

However, unlike Progressive’s Snapshot program, there appears to be no significant danger associated with utilizing the software.

Is it true that I’m qualified for Drive Safe and Save?

The automobile must have an OnStar system in order to sign up for Drive Safe & Save with OnStar. The program is available to most OnStar-equipped automobiles from the 2004 model year and later. Car Diagnostics must be turned on and the vehicle must have a valid OnStar subscription package.

The State Farm website claims that “qualified automobiles” may use the mobile app regardless of model year, but it doesn’t specify what qualifies a vehicle as eligible.

The mobile app is only available to users who have compatible smartphones; older phone types may not be able to operate it.

The State Farm Drive Safe & Save Self Report system is available in California for all vehicles that are qualified, with the exception of vintage automobiles, motorcycles, and commercial vehicles.

Unlike many other systems, State Farm does not limit the Drive Safe & Save program to new insurance. Customers who have previously purchased from us

What is the method for installing it?

Unlike plug-in devices, State Farm’s application requires very minimal setup.

The GPS beacon must be kept in the car, but it does not need to be connected into a port. It may be maintained anywhere as long as the mobile phone receives a signal. The beacon will remain in the automobile as long as you are enrolled in the program.

The mobile app is simple to download and install on either Apple or Android phones by following the on-screen instructions.

How well does Drive Safe and Save do against the competition?

With the exception of the OnStar link, the Drive Safe & Save program is quite similar to other usage-based insurance schemes.

For individuals who currently have an OnStar plan and have the system installed in their car, using OnStar to gather odometer data is a straightforward way to obtain a discount. If you don’t have a plan, you’ll have to weigh whether the expense of the plan is justified in light of the savings.

The possibility of a discount is unlikely to sway individuals who have already concluded that paying for OnStar’s other services isn’t worth the money. In most circumstances, the amount of premium savings that most drivers would get will not cover the cost of the membership.

That implies the OnStar-based program is probably worth it if you already have a plan; it merely records odometer readings, and if you already have a plan, it’s probably not worth it.

While it appears that clients aren’t seeing anything like the alluring 50 percent discount, 10-15 percent is still a good deal for little effort. It’s comparable to other similar applications.

The lack of a plug-in device from State Farm may turn some consumers away from the program. Plug-ins don’t need you to have an app open on your phone at all times while driving, which may seem less intrusive to some individuals.

It also won’t deplete your phone’s battery; while the website states that there is little battery loss, any app operating in the background will still consume power.

Plug-in devices are a type of “set it and forget it” configuration that may appeal to folks who would rather not have to bother about keeping an app up and running.

However, mobile applications are all over these days, and usage-based apps are no more difficult or dangerous than any other. The GPS beacon technology helps to avoid the drawbacks of other mobile applications, such as recording even while you are in someone else’s vehicle.

Finally, it’s worth mentioning that this program calculates fresh discounts on vehicle policy renewals on a regular basis, so you may keep working for a greater discount. This is unique among programs and can serve as a motivation for better driving behavior.

What is the method for canceling Drive Safe and Save?

Do you want to know how to get rid of Drive Safe & Save? The vehicle insurance provider claims that canceling the program is quick and straightforward.

Simply dial 1 (800) 782-8332 to reach State Farm customer support, or go to the State Farm website and log in to your account.

You do not need to return the Bluetooth beacon once you have cancelled your service, either online or over the phone. Simply dropped the item off at a recycling center for electronics. After that, just delete the mobile app from your phone and you’re ready to go.

Some players may ask if a Drive Safe & Save hack exists. Attempting to game the system is not recommended. If you’re caught cheating, you might be charged with insurance fraud, which could put you in court and make it more difficult to acquire coverage in the future.