No, USAA SafePilot will not raise your rates for poor driving habits. USAA SafePilot users are eligible for an initial discount of up to 10% just for signing up, and their rates will not go up for things like hard braking or distracted driving. Good drivers can save up to 30% while using SafePilot, too.
Key Things to Know About USAA SafePilot
USAA SafePilot tracks things like hard braking, number of hours driven, and hands-free calls
Drivers can use the SafePilot app to track their habits
Available in every state
Customer reviews of the app average 4.3 out of 5
Minimum coverage from USAA costs an average of $53 per month without SafePilot
Remember that poor driving while using SafePilot will not lead to as many discounts in the program as safe driving would. Additionally, regardless of whether you use SafePilot, USAA itself can raise your rates for things like at-fault accidents, speeding tickets, and other moving violations. USAA learns of such things from your driving record and CLUE report, rather than through SafePilot.
You can lower your USAA car insurance costs by taking advantage of USAA discounts, opting for a higher deductible, and reducing your coverage, among other things. USAA considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.… read full answer
How to Lower the Cost of Car Insurance from USAA
Use USAA’s auto insurance discounts
USAA offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount of up to 10% if if their parents are USAA members. Or you can save up to 10% on your premium if you add auto insurance to an existing USAA homeowners or renters policy.
Raise your car insurance deductible
Opting for a higher deductible on any of your insurance policies from USAA can lower your premium. But if you decide to go this route, it’s important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.
Less coverage usually means lower premiums, but it could also lead to higher costs in the long run, so it’s important to approach coverage decisions with caution.
Improve your driving record
Practicing safe driving habits and avoiding moving violations can help you qualify for lower USAA insurance rates long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state. USAA even offers a 20% discount to drivers who take an approved defensive driving course.
Build and improve your credit
Because your credit history is correlated with your likelihood of filing an insurance claim, USAA uses your credit data to calculate your premium in states where it is legal. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.
Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your USAA premium.
Drive an insurance-friendly car
Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from USAA to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.
Sign up for SafePilot
SafePilot, the USAA telematics program, rewards you for good driving with a discounted premium. Specifically, SafePilot tracks speed, acceleration, braking, distrance driven, and location. By using SafePilot, drivers can save up to 30%.
Finally, if you’re still struggling to afford your USAA policy, you should consider switching insurers. Even if you’re not actively looking for a new policy, it’s generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub’s guide to switching car insurance companies.
USAA offers a good driver discount, as well as a discount of up to 30% for enrolling in their SafePilot program. In order to receive a USAA good driver discount, drivers must be accident-free for five years, and this can even include time that you’ve been insured by another company.
After you get into an accident, you will have to wait five years before you can qualify for the good driver discount again. Even accidents that are forgiven by USAA's accident forgiveness still count against your good driver discount, though your base premium will not go up. The SafePilot program is a separate way to save.
How to Enroll in USAA’s SafePilot Program
Sign up for SafePilot online or over the phone. Visit the USAA website, hover over “Insurance” in the top menu, click “Auto Insurance,” then click “Learn more” next to SafePilot. Finally, select “Enroll Now” to start your enrollment online. You can also call USAA at (800) 531-8722 to add SafePilot to your policy.
Download the USAA SafePilot App. The USAA SafePilot app is free and available for iOS and Android.
Start driving. Once you have downloaded the SafePilot app, enter your USAA login information. The app will then start tracking your driving habits. SafePilot considers things like braking and phone use to determine your discount.
Save up to 30%. Drivers who enroll can save 10% just by signing up, and up to 30% depending on their driving habits. SafePilot will never raise your rates even for poor driving.
If you don’t want to enroll in SafePilot and you do not qualify for USAA’s good driver discount, there are still ways to save on your premium. For example, USAA offers a multi-car discount for drivers who insure more than one vehicle on their policy. You can also lower your rate by altering your coverage or increasing your deductible.
Your USAA rate could have gone up for many reasons, such as a recent claim or a new driver being added to the policy. Other factors that could cause USAA to raise your rate include getting into an accident, being convicted of a moving violation, and adding coverage to your policy. USAA may also raise your premiums for reasons that are beyond your control, such as recent natural disasters, increasing repair and healthcare costs, and crime trends.… read full answer
Top Reasons Why USAA Raises Rates
New driver or car added to a policy
Recent switch to an expensive car
Relocation to a high-risk zip code
Decline in creditworthiness
How to Lower Your USAA Insurance
If you’re struggling to afford your USAA premium, there are a few steps that you can take to lower your rate. You can start by looking for USAA discounts that you can qualify for, such as the anti-theft device or multi-vehicle discount. You can also make changes to your policy, including raising your deductible and reducing your coverage.
Another option is to switch insurance companies. Each insurer calculates rates differently, so you may be able to get the same amount of coverage elsewhere at a lower price. As a general rule, you should get quotes from at least three different companies every 6-12 months to make sure that you’re still getting the best deal.
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