There are many discounts available using estimatics to better match your risk to your pricing. State Farm has Drive Safe & Save, and it may help you get an auto insurance discount up to 30% based on how you drive. You get a discount just for enrolling.
After setup, your premium adjustment will be updated at each policy renewal based on your annual mileage and driving characteristics. Drive Safe & Save may offer a discount for participating customers who demonstrate safe driving.
Your premium adjustment is calculated at each policy renewal (typically every six months) using driving information from up to the prior 12 months when available. Changes in your driving will be reflected in your adjusted amount, so it may increase or decrease at each renewal.
Your premium adjustment is based on your annual mileage and driving characteristics. To help maximize your potential savings opportunity, concentrate on smooth and consistent driving.
After each trip, the State Farm app shows you a map of your route and driving events along the way. The feedback you receive helps inform you how to be the safest driver you can be. While not everything the app shows you impacts your discount, the feedback all contributes toward you being the safest driver you can be.
Acceleration — Starting fast off the line? The app will show you where you might have accelerated faster than is generally considered safe. Quick acceleration can make cars more difficult to control.
Braking — The app will show you if you’ve made any fast, hard stops. We understand there are times you need to stop quickly to avoid a collision. However, making frequent fast stops is indicative of driving too fast and following too closely. Maintain a safe speed and distance to avoid collisions. Keep an eye on your braking scores to help see if this has become a habit for you.
Cornering — You’ll see along your route if you make any quick, sharp turns. These indicate you may not have allowed yourself proper time and clearance for the turn. For example, turning left in front of oncoming traffic at an intersection.
Phone Distraction — Distracted driving is a serious problem, and one of the highest predictors of accidents. It’s important to keep your hands on the wheel and your eyes on the road.
Speed — The app shows you when you’ve exceeded the speed limit by 8 miles per hour or more. We think it’s important for you to understand when this happens — and maybe how it impacts other driving characteristics, like acceleration, braking, and cornering.
Want to learn more about Drive Safe & Save and how your driving habits could help you save? Give me a call (856) 546-0700. I’d be happy to walk you through the program, answer your questions, and help you find ways to make sure your coverage and discounts are working for you.
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