How much can you save with USAA 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.

To learn more, check out WalletHub’s full review of USAA.

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

• Recent claims
• New driver or car added to a policy
• Moving violations
• At-fault accidents
• Increased coverage
• Lower deductible
• 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.