State Farm’s drivesafe and save program provides exactly what the name promises. The safer you drive, the more savings you save. While some other insurers may raise risky driving fees, driving safety and SAVE focus solely on rewarding good driving habits. So, even if you’re not perfect driving, the worst outcome is simply missing the discount. Backed by innovative technical capabilities and primarily positive user feedback, the state’s farms show a safe, save review and why it’s a compelling choice among many telematics programs in the market.
Does State Farm Drive save money and safe?
For drivers with state farm auto insurance, a drivesafe and save program could be a good opportunity to save money on auto insurance. Like most telematics programs, Drive Safe and Save is an optional program that allows State Farm to collect driving data and provide discounts on safe behavior. State Farm reports that drivers can receive an initial discount simply by signing up, and can participate and save up to 30%. To get started, drivers can download the State Farm mobile app or use the connected car features if they have a 2020 or new Ford or Lincoln vehicle.
The Drive Safe and Save App was recently integrated directly into the State Farm app, but the old standalone app received pretty good reviews, with 4.5 out of 5.0 on the App Store and 4.1 out of 5.0 on Google Play. Most drivesafe and save reviews point out that the app is easy to use and helps you stay at the pinnacle of your driving habits. However, on both platforms, users complained that apps could accidentally acquire a drive, especially if they had to take evasive actions to avoid conflicts. Ostensibly, the functionality of the programs in the main State Farm app has not changed much, but if not, I’ll update it.
Whether you use the app or connect your car options, State Farm monitors your driving habits to determine how much you can save with car insurance. You can also connect Amazon Alexa to your program to safely check the status and amount of your drive, and save on discounts. This program is optional and drivers who cannot earn a discount due to driving habits will not take out car insurance after the program period.
How does State Farm Drive save you work and how safe?
If you simply want to drive and store it, State Farm may make it easier. The company has designed a telematics program for auto insurance that tracks specific driving behaviors and offers discounts based on driving safely. The Drive Safe and Save App has recently been integrated directly into the State Farm app, so you no longer have to download another app.
Once you have installed the State Farm app on your phone, you may need to grant the necessary permissions to use your phone to track and report driving patterns. This requires you to keep both Bluetooth and location settings active while driving.
Connected Car
If you’re driving a 2020 or a new Ford or Lincoln, you can skip the app and use the State Farm drivesafe to save and register your connected car options to the program.
- Add the vehicle to your “garage” either in the Fordpass or the Lincoln Way app (depending on the production of the vehicle).
- Let your state farm agents know so they want to be safe and stored on the drive.
- The next time you turn on your car, your in-vehicle contract should pop up. Fill out the form and you will be registered!
What does drive save safely?
State Farm’s DriveSafe and Save Program covers both telematics and usage-based components, monitoring various aspects of driving behavior and distance traveled. This data collection is facilitated either through the state’s farm app or through the connected car system. Here’s what the program specifically tracks:
- acceleration: Rapid acceleration can reduce vehicle control and increase the risk of accidents. This program evaluates how often you accelerate and how often you accelerate.
- Mileage annually: The distance you drive each year is also monitored. In general, low driving can lead to lower risk and potentially greater discounts. Please note that some states exclude mileage and odometer readings from their programs.
- braking: Extreme braking can indicate dangerous driving practices. A progressive, controlled brake, achieved by maintaining a safe distance from other vehicles, is desirable.
- cornering: This program evaluates instances that make quick or sharp turns that can be indications of unsafe driving. Smooth and controlled cornering indicates a safer driving habit.
- speed: Complying with speed limits is important for road safety. Speeding increases both the likelihood and severity of an accident. The drivesafe and save program tracks speed and promotes speed limit compliance. Specifically, this app appears when the speed limit is greater than 8 mph.
- Using the phone: Using a mobile phone while driving is a serious risk. This program detects phone usage while driving. This can have a negative impact on the discounts you receive.
State Farm uses data from these tracking points to assess driving patterns. Safe driving behaviors such as avoiding harsh braking and following speed limits can lead to significant car insurance discounts through drivesafe and save programs.
How can I safely store and save State Farm Drive?
With State Farm’s DriveSafe and Save Program, car insurance savings are calculated upon renewal of your insurance policy. The program reviews driving data, focusing on important factors such as acceleration and braking habits. Depending on whether you are driving safely according to these metrics, State Farm may apply discounts to policies that can reach up to 30%.
How long do you need to use and save on your State Farm drive safely?
It’s up to you to join the program. However, you will now need to join Drive Safe and save to maintain your discount. As soon as you derail, you lose your discount.
Is the drive safe and Is it right for me to save the program?
When you decide whether to save a program or not, it is essential to make an informed decision that it is safe to drive your State Farm. By adhering to safe driving patterns, you can enjoy the benefits of program discounts reflected in the premium.
Additionally, drivesafe and save programs can be attractive options for those looking to improve their driving habits. One important advantage is that participation in the program does not have the risk of increased premiums. It focuses on promoting safer driving practices rather than punishing mistakes, as it does not track incidents such as tickets or traffic stops. This aspect makes it a supportive tool for drivers looking to strengthen on-road behavior without concern about potential car insurance rate hikes.
However, it is important to consider certain aspects that may affect how well the program is suited to your individual needs and situation.
- State availability: Drive safely and save in all states. States such as California, Massachusetts and Rhode Island have been excluded from the program along with certain circumstances in North Carolina.
- Distance traveled: The program requires participants to provide odometer measurements, and high mileage annually may limit the maximum possible discount. This may be an important consideration for those who have long commutes or frequent long distance travelers.
These considerations, along with State Farm Drive Safe and Save Reviews, are most beneficial for drivers who consistently demonstrate safe driving behavior, with moderate to low mileage and potentially reside in states where the program is available.
What are people saying about State Farm Drive being safe and saved?
According to the 2024 JD Power Auto Insurance Study, State Farm received an average insurance rating based on usage. This is consistent with the findings on Reddit and Google Play, revealing a mix of positive and negative direct experiences with the Drive Safe and Save program. While some users praise the potential savings, others raise concerns that driving on state farms is safe and that they will cut them from discounts by inaccurately tracking contextual driving behaviors.
*The quotes and quotes contained on this page have been verified by our editorial team and are accurate as of the date of posting. Outlinked Content may contain opinions or opinions that do not reflect the views or opinions of the Bank.
