Yes, State Farm Safe and Save does track speed using a smartphone app paired with a bluetooth device. Safe and Save does not raise rates for poor driving, however, so even drivers who have a habit of speeding can try Safe and Save virtually risk-free. Still, drivers who tend to speed should remember that they won’t be able to get all the discounts from State Farm Safe and Save that safer drivers receive.
What State Farm Safe and Save Tracks
Even though you won’t see rate increases just from using Safe and Save, State Farm itself will raise rates for things like speeding tickets, at-fault accidents and moving violations since these go on your driving record and can classify you as high-risk. As a result, practicing safe driving is the best way to keep your premiums low.
You can save 10% just for trying State Farm Drive Safe & Save and then up to 30% depending on your driving habits. State Farm Drive Safe & Save monitors things like speeding and braking to determine how much a driver is eligible to save.
Considering that normal car insurance from State Farm costs an average of $77 per month, trying State Farm Drive Safe & Save may be an easy way for drivers to save on their premiums. That’s especially true since State Farm Drive Safe & Save will not raise rates for poor driving. So, even less-than-perfect drivers can benefit from using Drive Safe & Save from State Farm. That said, people with poor driving habits will not be able to get the maximum discount from Drive Safe & Save.… read full answer
No, State Farm Drive Safe & Save will not raise your rates for poor driving habits. State Farm Drive Safe & Save users will not see any rate increases for things like quick acceleration or hard braking, good drivers can save up to 30% while using Drive Safe & Save, too.… read full answer
Key Things to Know About State Farm Drive Safe & Save
State Farm Drive Safe & Save tracks things like acceleration, hard breaking, fast cornering, speeding, and distracted driving
Drivers can use the Drive Safe & Save app to track their habits
State Farm Drive Safe & Save has a 4.3/5 rating from WalletHub’s editors
Not available in CA, MA, & RI
Customer reviews of the app average 4.3 out of 5
Minimum coverage from State Farm costs an average of $77 per month without Drive Safe & Save
Remember that poor driving while using Drive Safe & Save will not lead to as many discounts in the program as safe driving would. Additionally, regardless of whether you use Drive Safe & Save, State Farm itself can raise your rates for things like at-fault accidents, speeding tickets, and other moving violations. State Farm learns of such things from your driving record and CLUE report, rather than through Drive Safe & Save.
Your State Farm 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 State Farm to raise your rate include getting into an accident, being convicted of a moving violation, and adding coverage to your policy. State Farm 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 State Farm 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 State Farm Insurance
If you’re struggling to afford your State Farm premium, there are a few steps that you can take to lower your rate. You can start by looking for State Farm discounts that you can qualify for, such as the multiple line or anti-theft 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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