You can save up to 10% just for trying USAA SafePilot and then up to 30% depending on your driving habits. USAA SafePilot monitors things like braking and phone use to determine how much a driver is eligible to save.
Considering that normal car insurance from USAA costs an average of $53 per month, trying USAA SafePilot may be an easy way for drivers to save on their premiums. That’s especially true since USAA SafePilot will not raise rates for poor driving. So, even less-than-perfect drivers can benefit from using SafePilot from USAA. That said, people with poor driving habits will not be able to get the maximum discount from SafePilot.
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.… read full answer
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.
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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