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Drivers Can Get Up to 30% Off With State Farm Drive Safe & Save, but the Program Can Also Raise Your Rates

State Farm Drive Safe & Save ™ can reduce car insurance rates by up to 30%, according to the company’s website. We at the Guides Auto Team wanted to find out the validity of this claim, so we took an in-depth look at State Farm’s telematics program.

Keep reading to learn more about State Farm Drive Safe & Save and to figure out whether the program is right for you. You’ll also receive a few recommended alternatives from our list of the best car insurance companies that have their own telematics programs.

Drive Safe & Save is State Farm’s telematics insurance program. This and other usage-based insurance systems, which are offered by most major providers, use location services and other GPS-enabled technology to monitor driving habits and adjust policyholders’ rates accordingly.

State Farm Drive Safe & Save works by tracking how you drive, how much you drive and other actions you take while operating your vehicle. With recent developments in technology, there are multiple ways that Drive Safe & Save can attain diagnostics on your driving behaviors.

The most common way to use the program is through the Drive Safe & Save mobile app, which is available for iOS and Android devices. Once activated, this app tracks not only your driving habits but also instances when you pick up your phone while behind the wheel or engage in other unsafe behaviors.

Drivers of 2020 or newer Ford and Lincoln vehicles don’t need an app to use Drive Safe & Save. Technology built into these cars allows them to connect to the program on their own without the need for an app on your iPhone or Android device. Instead, these cars can deliver telematics data through either your FordPass® or Lincoln Way® account, if you have one.

People who have an active OnStar account can also connect to State Farm Drive Safe & Save without use of the mobile app. An OnStar account can report data to the program to make adjustments to your State Farm auto insurance premiums.

There are a number of practices that can make you more or less likely to get into an accident. In general, State Farm Drive Safe & Save monitors the habits that have the biggest impact on your risk of an accident, including:

Enrolling in Drive Safe & Save only takes a few steps and won’t require the help of a State Farm agent. Most motorists should do the following when setting up the service:

In addition to the mobile app, State Farm Drive Safe & Save uses a Bluetooth beacon to track your driving behavior. Getting it set up is extremely simple and takes just a few minutes.

By practicing good driving habits, you can lower your rates significantly through State Farm Drive Safe & Save. Here are a few steps you can take to find cheap car insurance :

Drivers can save as much as 30% with a Drive Safe & Save account according to StateFarm.com. However, these potential savings are far from guaranteed. While being a safe driver can significantly lower your rates, unsafe driving habits will make them go up. If it would be tough for you to break bad driving characteristics, State Farm Drive Safe & Save could end up costing you more in the end.

State Farm Drive Safe & Save can be a good option for many motorists, including:

With State Farm Drive Safe & Save, motorists have an opportunity to lower their auto insurance costs based on driving habits. This can be especially useful for people who may otherwise face high premiums due to any number of factors.

However, it’s important to be realistic about your own driving behaviors before signing up for the program. Drive Safe & Save could cause your rates to spike if you aren’t a cautious driver.

State Farm Drive Safe & Save isn’t the only program of its type, as most major car insurance providers have their own telematics programs. While rates vary under each plan, they do so based on your initial quote. Shopping around to compare car insurance quotes will help you find the lowest initial premiums.

Geico’s answer to Drive Safe & Save is DriveEasy. The program works in much the same way, giving you a report card that outlines your safe and unsafe driving practices. Our team found that Geico consistently offers some of the lowest rates for drivers across the country. Between low initial rates and the DriveEasy program, most drivers find affordable coverage from Geico.

Keep reading: Geico insurance review

In our 2022 industrywide insurance study, we found that Travelers offers one of the country’s largest selections of coverage options. With IntelliDrive Ⓡ , Travelers’ telematics program, drivers can potentially save money on highly customized insurance policies. On top of that, Travelers has an extensive range of easily accessible discount opportunities.

Keep reading: Travelers insurance review

State Farm says that good habits can save drivers up to 30% on their car insurance, and the company gives out a 10% initial discount just for joining the program. Most motorists probably won’t receive the maximum Drive Safe & Save discount, though.

Drive Safe & Save tracks your speed along with several other types of data. The program also measures behaviors like stopping, cornering and accelerating.

How much you save with State Farm Drive Safe & Save depends on your driving habits. State Farm advertises that motorists can save up to 30%. However, you could save far less or even pay higher premiums than before depending on your driving habits. Multiple Drive Safe & Save reviews mention this happening, so be careful before signing up for the program.

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

In this article, we selected companies with high overall ratings and cost ratings. The cost ratings were informed by auto insurance rate estimates generated by Quadrant Information Services and discount opportunities.

*Data accurate at time of publication.

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