July 20, 2024
State Farm Drive Secure and Save Evaluation

State Farm is likely one of the nation’s largest and [best-known car insurance brands](https://time.com/personal-finance/article/best-car-insurance-companies/). Its elective Drive Secure and Save program affords you the chance to get a reduced automobile insurance coverage premium in return for sharing information about the way you drive.

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What’s State Farm Drive Secure and Save?

Insurers acknowledge that individuals with safer driving habits are at a decrease threat of moving into an accident and submitting a declare. That’s why many now supply usage-based insurance coverage (UBI) packages that use telematics expertise — which transmits information wirelessly to the corporate — to observe how their prospects drive. Decrease-risk prospects taking part in these packages can earn a decrease insurance coverage premium, normally as a reduction.

State Farm claims that opting into its Drive Secure and Save UBI program can earn you reductions of as much as 30%, based mostly in your mileage and “fundamental driving traits.” The corporate components the low cost into your premium when it sends you a renewal quote on the finish of your six-month coverage time period. To proceed receiving a reduction at every renewal, you should stay opted into this system.

How Drive Secure and Save works

With Drive Secure and Save, State Farm screens your driving habits by means of one in every of two strategies.

Cell app

Obtain the Drive Secure and Save app, which is on the market for each iOS and Android, to your telephone. This app is paired with a Bluetooth beacon that you just obtain within the mail from State Farm. The beacon, designed to stick to your windshield, and app work collectively to trace related driving information. The app additionally screens while you choose up your telephone, indicating potential distracted driving.

Related Automobile

2020 or newer Ford or Lincoln autos embrace telematics expertise that lets you take part in Drive Secure and Save with out utilizing the app or beacon. State Farm notes that this feature will not be accessible in all states and excludes some Ford and Lincoln fashions.

Drive Secure and Save is elective for State Farm prospects. As soon as you have determined to decide in and full enrollment, this system will monitor a wide range of your driving habits each time you drive and transmit that information to the corporate. State Farm will calculate a coverage low cost based mostly on the driving information on the finish of your six-month coverage time period. It can issue this low cost into your renewal premium. 

In response to the State Farm web site, Drive Secure and Save won’t ever end in a surcharge to your premium. Nevertheless, in the event you at the moment obtain the corporate’s low cost for low estimated mileage, and Drive Secure and Save reveals you drive greater than the low cost’s 7,500 mile-per-year restrict, chances are you’ll lose that low cost.

You may must preserve taking part in this system to proceed incomes a reduction with every coverage renewal. Your low cost could improve or lower at subsequent renewals, relying in your driving habits. In the event you cease taking part in this system, the low cost will probably be eliminated out of your coverage.

What does Drive Secure and Save monitor?

State Farm tracks varied habits to find out if a buyer is driving safely, together with:

  • Annual mileage.
  • Acceleration.
  • Exhausting braking.
  • Cornering.
  • Cellphone use whereas behind the wheel.
  • Pace, relative to the pace restrict.

How do you earn a reduction with Drive Secure and Save?

When you perceive what Drive Secure and Save tracks, you may take steps to maximise your program low cost. This may increasingly imply sustaining secure driving habits or working fastidiously to develop them. Listed here are some suggestions:

  • Attempt to preserve your pace throughout the posted pace restrict — notice that the app reveals while you’ve exceeded the pace restrict by 8 miles per hour or extra. Heed warning indicators, akin to people who advise you to decrease your pace when cornering.
  • Keep away from exhausting braking by sustaining a secure distance between you and the automobile in entrance of you. Use the three-second rule as a information.
  • Restrict your total mileage by combining journeys, carpooling, utilizing public transportation or going by foot.
  • Keep away from “jackrabbit begins” (sudden acceleration). This will additionally enable you to save gasoline.
  • Lastly, keep away from utilizing your telephone to make calls, textual content, or entry the web whereas driving.

In response to its description within the app retailer, the Drive Secure and Save cell app offers interactive maps of every journey. These maps spotlight exact spots the place you speed up shortly, brake exhausting, take a nook too quick, pace, or use your telephone. The app additionally offers a driving rating so you may get a way total of the way you’re doing with this system. 

Drive Secure and Save cell possibility vs. Ford Related Automobile

Taking part in Drive Secure and Save utilizing the Related Automobile possibility offers a barely completely different expertise. Since you do not use the Drive Secure and Save app, you can not entry a driving rating or interactive maps. This implies you received’t get suggestions you should use to enhance your driving habits.

It’s presumed that the Drive Secure and Save program tracks the identical driving info whether or not the client makes use of the cell app or the built-in telematics options on their Ford or Lincoln. Nevertheless, the State Farm web site solely confirms that the “low cost relies in your annual mileage and driving traits.”

The Related Automobile possibility is probably a bit extra handy for these with an eligible automobile. However these desirous to benefit from the full advantages of Drive Save and Save ought to select the cell app. 

How to join Drive Secure and Save 

Comply with these steps to join Drive Secure and Save together with your smartphone.

  1. Obtain the cell app from the iOS App Retailer or Google Play. You can too textual content SAVE to 42407 to obtain a hyperlink to the app obtain.
  2. Comply with the prompts within the app to register for this system.
  3. Obtain the Bluetooth beacon within the U.S. mail; comply with the directions to pair it with the Drive Secure and Save app.

Comply with these steps to join Drive Secure and Save with an eligible 2020 or newer Ford or Lincoln automobile.

  1. Add your automobile to the Storage within the FordPass or LincolnWay app.
  2. Contact your State Farm agent and allow them to know you wish to enroll in Drive Secure and Save.
  3. You’ll see an in-vehicle settlement for Drive Secure and Save displayed the following time you flip in your automobile. Settle for the settlement to finish the setup. 

The sign-up course of is pretty simple, and the Drive Secure and Save app has acquired pretty constructive suggestions from customers.

Is Drive Secure and Save best for you?

Saving virtually one-third of your automobile insurance coverage premium is a beautiful prospect. However earlier than you decide to State Farm’s Drive and Save program, make sure you perceive if it is best for you — and in the event you’re proper for it.

You ought to be snug with the concept of sharing information together with your insurance coverage firm each time you drive. And you must apply good driving habits — akin to staying throughout the pace restrict, protecting a secure following distance, and avoiding distractions akin to cellphone use. You may even be extra more likely to profit in the event you drive fewer miles than common.

Drivers with secure driving habits

Drivers with dangerous driving habits

Those that drive lower than common

Those that put quite a lot of miles on their automobile

These with poor credit score, who’re unable to get a low automobile insurance coverage premium with a typical coverage

Drivers who desire a constant low cost every coverage time period

Teen drivers, who are inclined to pay the best automobile insurance coverage premiums

Drivers who’ve a tough time placing down their telephone when behind the wheel

These with a late mannequin (2020 or newer) Ford or Lincoln

As with all UBI program, Drive Secure and Save might be not for everyone. The excellent news is that in the event you determine this system isn’t for you, State Farm affords many different automobile insurance coverage reductions.

Is Drive Secure and Save price it?

You’ll additionally desire a good understanding of the professionals and cons of Drive Secure and Save.

Steady monitoring could result in privateness considerations

Threat-free: poor driving habits won’t trigger your premium to extend

Steady monitoring could drain your telephone battery (location companies needs to be set to “at all times”)

App offers maps of every journey, together with alerts for the place you could possibly enhance your driving habits

Use of the Bluetooth beacon (together with ready for it within the mail) could also be a trouble for some drivers

A possibility for teen drivers or these with poor credit score to economize on their automobile insurance coverage

You’ll lose your low cost in the event you decide out of this system.

How we evaluated State Farm Drive Secure and Save

Drive Secure and Save reductions

Drive Secure and Save affords the chance to earn a reduction of as much as 30% based mostly in your driving. State Farm additionally says prospects earn a reduction for signing up however doesn’t disclose the scale of that low cost. This system won’t surcharge your coverage, so you will not pay extra.

This compares favorably to rivals’ UBI program financial savings: Liberty Mutual RightTrack claims prospects can save 30% and get a ten% low cost for signing up, whereas Progressive Snapshot claims common financial savings of as much as $156, plus a $47 common low cost when enrolling.

Drive Secure and Save flexibility

State Farm prospects can take part in Drive Save and Save in a number of methods:

  • A cell app paired with a Bluetooth gadget.
  • By way of the telematics options of a 2020 or newer Ford or Lincoln. 

Drive Secure and Save sign-up course of

The Drive Secure and Save sign-up course of is comparatively simple in the event you’re an present State Farm buyer. Obtain the app, open it, after which comply with the prompts to finish the registration course of. You may obtain the Bluetooth beacon within the mail inside a couple of days, which you may pair with the app. Adhere the beacon to your windshield, and start driving.

When you have a 2020 or newer Ford or Lincoln, be sure that your automobile is within the Storage of your FordPass or LincolnWay app. Then contact your State Farm agent. You may full the sign-up in your automobile’s show display screen. 

Drive Secure and Save ease of use

The necessity to obtain and pair the Bluetooth beacon with the app may very well be a barrier for some Drive Secure and Save prospects. It’s a extra advanced course of than, as an illustration, Allstate’s Drivewise, which makes use of solely the app to trace your driving.

The app additionally requires location companies to be set to “at all times,” which can contribute to battery drain. 

Sustaining your Drive Secure and Save low cost

To keep up a Drive Secure and Save low cost, you should stay enrolled in this system for so long as you are a State Farm buyer. In the event you determine in some unspecified time in the future to decide out, you may lose your low cost. This differs from some rivals, akin to Progressive, which usually requires monitoring for less than a single coverage time period.

Often requested questions: Drive Secure and Save 

Are you able to lose cash with Drive Secure and Save?

Drive Secure and Save won’t surcharge your coverage, even in the event you incessantly exhibit unsafe driving habits. So this system is nearly risk-free.

There’s one exception: In the event you obtain State Farm’s low cost for low estimated mileage, and this system reveals you drive greater than the low cost’s 7,500 mile-per-year restrict, chances are you’ll lose that low cost. 

What is an effective low cost share with Drive Secure and Save?

Even a fraction of the utmost 30% low cost might prevent a whole lot of {dollars}, contemplating the typical full-coverage automobile insurance coverage coverage prices, as per Bankrate, greater than $2,000 yearly.

Is Drive Secure and Save accessible with OnStar?

Drivers with Common Motors’ OnStar service might decide into Drive Secure and Save and have their driving information transmitted to State Farm robotically. Nevertheless, new enrollees can not profit from this collaboration. 

Does Drive Secure and Save monitor telephone use?

Drive Secure and Save tracks while you choose up and use your telephone whereas driving. To earn the utmost attainable low cost, keep away from utilizing your telephone when behind the wheel. 

Is it attainable to show off Drive Secure and Save?

You possibly can flip off Drive Secure and Save by uninstalling the app, however the firm warns that this might trigger you to forfeit your low cost.

Is the entire family required to take part in Drive Secure and Save?

No, the complete family will not be required to take part.

How does telematics work?

Telematics is the long-distance transmission of digital information. Telematics units have turn out to be commonplace in industrial trucking, the place they’re used to observe truck/driver actions to make sure regulatory compliance and maximize effectivity.

A rising variety of private automobile insurance coverage firms now supply usage-based insurance coverage (UBI). These packages generally use the capabilities of smartphones, together with GPS, accelerometers, and wi-fi transmission, to collect and transmit information about their prospects’ driving habits.