McKayla Girardin, Car Insurance Writer
@mckayla_girardin
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.
To learn more, check out WalletHub’s full review of USAA.
People also ask
How can I lower my USAA car insurance?
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.
How to Lower the Cost of Car Insurance from...
read full answerHow much is the USAA good driver discount?
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...
read full answerWhy did my USAA rate go up?
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...
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