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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 are forgiven by USAA's accident forgiveness still count against your good driver discount, though your base premium will not go up. The SafePilot program is a separate way to save.
How to Enroll in USAA’s SafePilot Program
- Sign up for SafePilot online or over the phone. Visit the USAA website, hover over “Insurance” in the top menu, click “Auto Insurance,” then click “Learn more” next to SafePilot. Finally, select “Enroll Now” to start your enrollment online. You can also call USAA at (800) 531-8722 to add SafePilot to your policy.
- Download the USAA SafePilot App. The USAA SafePilot app is free and available for iOS and Android.
- Start driving. Once you have downloaded the SafePilot app, enter your USAA login information. The app will then start tracking your driving habits. SafePilot considers things like braking and phone use to determine your discount.
- Save up to 30%. Drivers who enroll can save 10% just by signing up, and up to 30% depending on their driving habits. SafePilot will never raise your rates even for poor driving.
If you don’t want to enroll in SafePilot and you do not qualify for USAA’s good driver discount, there are still ways to save on your premium. For example, USAA offers a multi-car discount for drivers who insure more than one vehicle on their policy. You can also lower your rate by altering your coverage or increasing your deductible.
To learn more, check out WalletHub’s guide to USAA discounts.
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