Drive Safe and Save is an excellent insurance program from State Farm that allows the participant members to save up to 30% and it won’t increase the premiums of auto insurance. If you are a safe driver with low mileage and if you don’t mind being monitored for insurance purposes then State Farm’s drive safe and save program will be an excellent choice for you. Participating in this program, you will be able to save lots of money by just driving safely!
Key Takeaways
- State Farm’s Drive Safe and Save program allows drivers to save money on car insurance
- If you signup for this program then will receive an initial discount of 10% and up to 30%
- In some states, State Farm offers up to 50% discount for drivers who signup for the program
- You can also install the Drive Safe and Save mobile app on your smartphone and enroll in Drive Safe and Save program
What is State Farm Drive Safe and Save Program?
State Farm’s Drive Safe and Save Program is another excellent program that will allow drivers to save money on car insurance. When drivers signup for this program, they will receive an initial discount of 10% and up to 30% by participating. This program is completely free to participate and according to State Farm, in many states of the USA, the discount could be as high as 50%. So, this is by far the biggest discount program from a major national insurer in the USA. Some key facts about State Farm’s Drive Safe and Save Program are –
- Initial discount of 10%
- Possible savings of up to 30% (in some states up to 50%)
- No increase in premiums for bad driving
- Discount is not available in CA, MA, & RI
How does State Farm Drive Safe and Save Program Works?
There are two ways the drive and save program can work. If you have an OnStar system installed in your vehicle then State farm can access odometer information through this system. Or, State Farm can use auto telematics technology to monitor your vehicle. This technology works based on cellular and GPS functions and collects and transmits driving data like location, driving speed, distance traveled, and time of use. On the other hand, if you have OnStar in the car then you will need an active subscription to the service. After that, you have to enroll your vehicle in OnStar Vehicle Diagnostics. After that, State Farm can request data on your vehicle and use the data to determine how much discount you can get. So, if you have OnStar installed then you don’t have to send the data to State Farm, OnStar itself will send the data to State Farm.
You can also install the Drive Safe and Save mobile app on your smartphone and enroll in Drive Safe and Save program. However, you will need the Bluetooth beacon device in your car or the app won’t work. When you enroll in the Drive Safe and Save program, State Farm will send you the Bluetooth beacon device. You don’t have to plug in the device, you just have to place the device in the car and you are good to go. Once you started using the program, it will track everything to collect the data and send the data to State Farm. You will get a safety rating based on your driving and these ratings will calculate the discount.
What Driving Habits State Farm Drive Safe and Save Program Monitors?
Before enrolling in the State Farm Drive Safe and Save Program, you should know what State Farm will monitor under this program. You will be happy to know that this program doesn’t track tickets or accidents. Basically, this program reviews your score based on the annual mileage and driving characteristics. Below is the driving information that State Farm will monitor:
- Acceleration: State Farm will monitor your acceleration and see whether you are accelerating too fast or not. So, you have to closely pay attention to how fast you speed up after the car is stopped. According to State Farm, quick acceleration makes the car hard to control.
- Braking: Breaking quickly while driving is unavoidable but if you stop your vehicle too fast then you will lose points. If you break frequently then it means you are following the car in front of you too closely. If you drive on a busy road and if you break frequently then you will also receive a lower score.
- Cornering: State Farm don’t like sharp turn, it wants your vehicle to make a steady, safe turn. If you make a sharp turn then it will deduct points.
- Using the phone: When you enroll for State Farm Drive Safe and Save, the app will track the use of your mobile whenever the car is moving. So, if you look at the phone or use the phone while driving the car then it will affect your safety score.
- Speed: State Farm will also monitor the speed limit of the road you’re on. If you exceed the speed limit of the road then it will also affect your safety score. If you exceed that speed limit by eight miles per hour or more then State Farm will deduct points.
- Time of Day: If you drive your vehicle late at night then you could lose points; you can also lose points if you drive the vehicle when traffic is too heavy. According to State Farm, if you drive during heavy traffic or late at night that it will increase the risk of accidents. If you mostly drive during the late-night then this program won’t benefit you too much.
Compression between State Farm Drive Safe & Save and Other Similar Programs
| Program Name | Maximum Discount | Review Period Length | Can Premiums Go Up? | Phone Usage Impacts Discount? |
| State Farm Drive Safe & Save | 30%-50% | Each policy renewal period | Discounts may increase or decrease depending on driving performance | Yes |
| Progressive Snapshot | $37 average sign-up discount, $145 average final discount | First policy period | Yes | Yes, if using a mobile app |
| Allstate Drivewise | No maximum; initial sign-up discount, followed by performance discount | First 50 trips, then every six months | Discount may increase or decrease depending on performance | No |
| Liberty Mutual RightTrack | 30% | 90 days | No | No |
| Geico DriveEasy | 25% | First policy period | Yes | Yes |
| Nationwide SmartRide | 40% | Four to six months | No | No |
| USAA SafePilot | 20% | Each policy renewal period | Discounts may increase or decrease based on performance | Yes |
Is State Farm Drive Safe and Save worth It?
According to State Farm Drive Safe and Save program, you will be able to save 30% – 50% off your premium! But, the actual discount depends on lots of things and it might not be the same as what State farm has stated. If you are a safe driver and if you don’t have any problem with braking or speeding then this program might be worth enrolling in. According to many reviews online, many drivers have saved about $130 every 6 months with State Farm Drive Safe and Save. So, the amount could be $260 for one year. If you lose millage then it could increase your rates. If you can maintain all the conditions of the Drive Safe and Save program then you will earn more discount. So, it is quite clear that the Drive Safe and Save program can potentially save hundreds of dollars for good drivers. If you are trying to lower your auto insurance cost then State Farm Drive Safe and Save are definitely worth it.
FAQs about What Do you Think about State Farm’s Drive Safe and Save Program
Can driving Safe and Save hurt you?
No, drive Safe, and Save won’t hurt you. In fact, it can benefit you in many ways. With this program, you will be able to save up to 30% of your auto premium.
Can you lose your drive safe and save discount?
Yes, you can lose your drive and save a discount if you don’t compile with the program’s requirements. If you drive the car at night or in heavy traffic road then you will lose the drive safely and save discount.
How much of a discount is drive safe and save?
Enrolling in a State Farm drive safe and save program can get you an auto insurance discount of 30% based on how you drive!
How do I cancel State Farm Drive Safe and Save?
You can easily cancel your enrollment from State Farm Drive Safe and Save program. You can call State Farm’s customer service line at 1 (800) 782-8332 to cancel your service. You can also visit the State Farm website to cancel the service.
References:
https://www.valuepenguin.com/state-farm-drive-safe-and-save-insurance-review
https://www.statefarm.com/insurance/auto/discounts/drive-safe-save
Last Updated on November 11, 2022 by Magalie D.
Magalie D. is a Diploma holder in Public Administration & Management from McGill University of Canada. She shares management tips here in MGTBlog when she has nothing to do and gets some free time after working in a multinational company at Toronto.
