How do I get an OnStar insurance discount? This question is about Cheap Car Insurance

How do I get an OnStar insurance discount?

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This question is about Cheap Car Insurance

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@WalletHub • 03/07/23 This answer was first published on 10/08/20 and it was last updated on 03/07/23.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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To get an OnStar insurance discount, share your OnStar data with Progressive’s or State Farm’s usage-based insurance system, or visit the OnStar website to see which companies offer an OnStar discount in your state. OnStar discounts are divided into three categories: good driver discounts, low mileage discounts, and discounts just for having OnStar.

Good Driver Discounts via OnStar

Progressive offers discounts to customers who agree to share their OnStar data with Progressive’s Snapshot program.

Snapshot is a usage-based insurance program, meaning that it adjusts your car insurance rates based on your driving habits. Drivers who provide Snapshot with their OnStar information could receive discounts depending on their driving, although Progressive does not specify an exact amount.

Low Mileage Discounts

OnStar also partners with State Farm and National General to monitor mileage, which can lead to savings.

For instance, State Farm customers in most states can receive discounts through the Drive Safe & Save with OnStar program, which allows drivers to verify their mileage via OnStar. Drivers can then save on each six-month policy if OnStar proves that they qualify for State Farm’s low mileage discount. This arrangement is not available in New York.

Similarly, National General offers low mileage discounts for odometer readings measured by OnStar. Customers must drive less than 15,000 miles annually to qualify, and can save up to 54%.

OnStar Member Discounts

In many states, insurers like Liberty Mutual and National General offer a flat discount of around 10% simply for being an OnStar member. Even home insurance policies can sometimes be discounted up to 10% with OnStar if you have multiple types of insurance through the same company. When in doubt, ask your insurance company if they offer an OnStar discount, or check your account on the company’s website or app to see if the discount has been applied to your policy.

OnStar is available for almost any car these days, since the company offers specially equipped mirrors, in addition to the traditional service provided by General Motors cars. Either way, prospective customers need to purchase a subscription to activate OnStar. If you’re considering purchasing an OnStar mirror or subscription, check to see what discounts you will be eligible for based on your insurer and state. Regardless, it’s always worth taking the time to compare quotes and read our discounts guide to ensure that you’re getting the best possible price.

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How do I get a good student discount for car insurance?

You can get a good student discount for car insurance by being a high school or college student with at least a B grade point average. All of the 10 largest insurance companies offer a good student discount, and qualifications are typically the same between insurers. Exact discount amounts may vary by company and state, however. For example, State Farm's good student discount can help you save up to 25% on your premium.... read full answer

Insurers That Offer a Good Student Discount

State Farm

Geico

Progressive

Allstate

USAA

Liberty Mutual

Farmers

Nationwide

American Family

Travelers

To learn more, check out WalletHub’s guide to car insurance discounts.

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What is Allstate Drivewise?

Allstate Drivewise is a usage-based insurance program that tracks drivers with a mobile app and rewards them with rewards and a semi-annual rebate for safe driving habits. The Allstate Drivewise app tracks three main driving characteristics: safe speed (under 80 mph), braking (minimal abrupt stops) and time of day (limited late-night trips).... read full answer

Allstate Drivewise - Key Features

Factors for Calculating Pricing

Additional Considerations

Availability

Speed

Time of Day

Braking

Drivers get rebates every six months based on driving behavior.

Drivewise tracks unsafe behavior, such as hard braking and high-speed driving.

You can use a smartphone app.

You can use an OBD connected device.

All states except CA

How Allstate Drivewise Works

Allstate Drivewise works by tracking drivers’ habits through the Allstate mobile app. Users do not have to take any action to log trips on the app. Your phone just needs to be charged to at least 25% and have location services enabled in order for your trip to be detected. Once you’ve traveled at least 20 mph for a short distance, the app will begin tracking you.

However, if you’re a passenger in a moving vehicle and not the driver, you will have to either delete the trip from the app or put the app into “sleep” mode for the duration of your trip.

Drivewise does not affect premiums directly, instead offering cash rebates to drivers based on their performance. So if you practice unsafe driving habits while using Drivewise, your rates won’t go up. But drivers who practice good habits can expect to earn lucrative rewards.

Allstate Drivewise Rewards

If you’re a current Allstate customer, you can earn up to 10% of your premium in cash back rewards just for signing up. Depending on your driving habits, you can earn up to 25% cash back every six months by using the program.

Drivewise also allows users to earn Allstate Rewards points, which can be redeemed for daily deals, gift cards, sweepstakes, and more. Even if you’re not an Allstate customer, you can still sign up for Drivewise in order to earn points. Drivers earn 10,000 points after signing up, and can earn bonus points for completing safe driving challenges such as going three consecutive days with no high speeds or sudden braking.

How to Sign Up For Allstate Drivewise

To sign up for Drivewise, the primary policyholder needs to download the Allstate mobile app on their smartphone and activate the program. Then, additional drivers on the policy who want to use Drivewise can download the app and enter an activation code.

Drivers who aren’t Allstate customers can also create an account on the app in order to earn rewards.

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What is an alternative to AAA?

The best alternative to AAA roadside assistance is a motor club membership with Better World Club, Good Sam, or Allstate Motor Club. Another good alternative to AAA is purchasing a roadside assistance add-on from your car insurance company.

Insurance companies like Nationwide and Travelers offer different levels of roadside assistance coverage to choose from. Better World Club, Allstate Motor Club, and Good Sam also offer several coverage options. Drivers can find protection comparable to AAA by comparing the coverage limits of a competitor’s plan with their desired level of AAA membership. Just bear in mind that AAA costs vary by region, and each level of membership comes with different benefits.... read full answer

Alternatives to AAA Roadside Assistance

Company	Average Cost
Better World Club	$61.95 per year for the auto-only basic plan
Good Sam	$49.95 per year for the auto-only basic plan
Allstate Motor Club	$89 for the first year for roadside advantage (basic plan)
Roadside assistance from a car insurance provider	Around $20 per year, depending on the insurer
Roadside assistance from Verizon	$59.88 per year for each enrolled phone line
Roadside assistance from T-Mobile	Included with SyncUP Drive, which costs $10+ per month. One free year of AAA Classic with certain plans.

SyncUP Drive is a hotspot and tracking device that plugs into your vehicle, monitoring driving behavior, car health, and more.

Roadside assistance from an insurance company is usually less expensive than AAA, but it often provides fewer benefits. For instance, AAA includes perks along with roadside assistance, like discounts with affiliated companies, identity theft monitoring, and trip interruption coverage.

It’s also worth noting that AAA ranked below many competitors in WalletHub’s roadside assistance study because it has a large number of unresolved customer complaints. For more information, check out WalletHub’s picks for the best roadside assistance plans.

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