Anyone use the State Farm Drive and Save App?

[UGADawgFan]

Hi Guys,

My wife and I don't drive much since we work from home....between our 3 vehicles we put maybe 10K miles a year on them combined. Our agent is saying we can save a ton using the drive and save app since it really cares about mileage more than driving style.

Here's the deal, in my wife's B9 S4 and our old Xterra, I drive behaved and mostly with the flow of traffic. In the Xterra, I'm actually the slowest guy on the road lol.

The GT3 (and my M cars before that), I don't drive like an asshole in traffic, but like to take the car out on empty back roads and let em rip a bit. My agent insisted that speeding won't be factored into the pricing equation.

Anyone have an experience using this type of app for insurance discounts?

Thanks for the help!

[Poupon McArr]

I've always been of the opinion that my insurance company doesn't need any more info about my driving habits than they already have. Supposedly it can't increase your rate, right? So that seems tempting, but who's to say they won't just randomly drop you based on the data they see?

[Aaaaaaaaa]

Yea not letting anyone track me. Wtf is this dystopian shit

[jeepin29]

Looking through the State Farm website, it is always a discount and can't create a surcharge on your policy, with the one exception being if you have a vehicle listed as low annual mileage and you exceed the mileage for the year.

They can't offer the discount in NC, so I haven't actually used it.

Edit: Even if it was available, I highly doubt I would use it. No thanks big brother.

I also wonder how it could play in to the claims process.

[Pic18]

Jake does, he also wears khakis

[MNR]

Less concerned about the savings and more concerned about how installing a OBDII tracker in a GT3 is even a thought.

[e36bmer]

I have travelers insurance. They do a 3 month monitor through a phone app. It was difficult to drive so slow for 3 months. I ended with a perfect score (after deleting the time I left my phone on at the track). They said I could get up to 15% off and I thought I'd get that since I got an A+ and really didn't drive a lot of miles in that timeframe. They gave me 5% off. I would do the 3 month thing again, but would not do a permanent option.

[mtr3s]

Speed would definitely be a risk indicator for insurance underwriting.

[djarchow]

We have State Farm and talked to our agent about it for our 16 year old son. Sounds like up to a 20% discount is possible. Our agent said he drives like an old lady, never speeds, coasts to stops at stop signs, accelerates like he has an egg under his shoe and said the best he ever got was a 15% discount.

My son insisted on getting a stick for his first car (Mazda3). He is already better at heel and toe driving than I am and wants to do his first autocross. Thank god for the good student discount because there is no way him using the drive and save app would do anything but get us booted off state farm.

[SD ///M4]

Originally Posted by djarchow

We have State Farm and talked to our agent about it for our 16 year old son. Sounds like up to a 20% discount is possible. Our agent said he drives like an old lady, never speeds, coasts to stops at stop signs, accelerates like he has an egg under his shoe and said the best he ever got was a 15% discount.

My son insisted on getting a stick for his first car (Mazda3). He is already better at heel and toe driving than I am and wants to do his first autocross. Thank god for the good student discount because there is no way him using the drive and save app would do anything but get us booted off state farm.

Consider signing up your son for the one-day Tire Rack Street Survival course, whenever one is available next in your area. It's an advanced teen driving course that is co-sponsored and run by BMW CCA coaches, most of whom are autocross and track instructors, with the expressed purpose of increasing teen driving skills to better handle the challenges of street driving. The National Program Director, Bill Wade, is a friend and is extremely passionate about this cause. The cost is $95. Some of the exercises are very autocross-like and emphasis quick reflexes and looking ahead.

I've coached these courses for years and most teens, while they may not be initially happy to be attending, end up having a lot of fun and loving the experience. All that and they come away much more prepared to handle the situations that are thrown at them on the street. I've heard that some insurance companies offer a modest discount if a teen attends, but I can't confirm that.

www.streetsurvival.org

[arashir]

I don't think you can trust your agent to make any accurate representation that speeding will not be a factor in using the tracking device. He might be just repeating what he's told. The whole point of it is to take metrics, obviously speed is one of those.

"it really cares about mileage more than driving style" is really vauge and hard to interpret. Do these agents even know precisely what these things do beyond a briefing on how to get customers to participate? I doubt it

[BigKutta]

Never. Agents are salesmen, they know nothing. Never have an insurance app on your phone, even to pay bills. They will absolutely collect anything they want about you.

[Suds]

Fuck No!
On my my C7 corvette I saw my driving score, it was as low as a zero!
Let me see if I can find the Tail of the Dragon for you.

With Allstate I told them I would not be loading their App, they were ok with that.

[djarchow]

Originally Posted by SD ///M4

Consider signing up your son for the one-day Tire Rack Street Survival course, whenever one is available next in your area. It's an advanced teen driving course that is co-sponsored and run by BMW CCA coaches, most of whom are autocross and track instructors, with the expressed purpose of increasing teen driving skills to better handle the challenges of street driving. The National Program Director, Bill Wade, is a friend and is extremely passionate about this cause. The cost is $95. Some of the exercises are very autocross-like and emphasis quick reflexes and looking ahead.

I've coached these courses for years and most teens, while they may not be initially happy to be attending, end up having a lot of fun and loving the experience. All that and they come away much more prepared to handle the situations that are thrown at them on the street. I've heard that some insurance companies offer a modest discount if a teen attends, but I can't confirm that.

www.streetsurvival.org

Thanks. I would love to but the closest one this year is 6 hours away.

[18BMWX5M]

The technology that goes into the app is pretty amazing to be honest with you. I speak first hand as I work for the company that provides the technology that their app uses to process your driving data. I can't speak anymore about what the app does behind the scenes or anything like that but If you google their app you can see that they provide driving feedback on the following:

Harsh braking
Harsh cornering
Harsh Speeding
Harsh acceleration
Phone Distraction

They also use a beacon which is a Bluetooth device that you attach to your windshield. It doesn't gather any information about the vehicle, so there's nothing to worry about it that aspect.

[Poochie]

Originally Posted by 18BMWX5M

Harsh braking
Harsh cornering
Harsh Speeding
Harsh acceleration
Phone Distraction

Damn, I'll get penalize just for backing out my driveway 😗

Yea, that won't be worthwhile to everyone, speed is relative to how fast your car is not an arbitrary number, they deem is safe enough..

I can see a device like that being beneficial to someone like the guy below but me, #ICantDrive55..

[RoundelM3]

Things like this are why I do NOT own a smartphone and never will.

[redblaze]

I used the State Farm tracker thing before. That tiny transmitter was stick to a place inside my car and communicated with my phone to report my driving behavior.

Once I agreed to use it State Farm gave me quite a discount. But as that tracker had been deeming I was not driving "that safely" the discount was diminishing, which ended up being I had to pay more from next billing period.

And to be honest when the tracker was in my car I had been driving very carefully and smoothly. I guess you would have to be driving like an autopilot to get good ratings.

Right after I got rid of it, I became normal and relieved again. So in one word, just don't use it. It would ruin your fun of driving.

[UGADawgFan]

Thanks guys.. Appreciate the responses 😊 definitely a fun conversation. I'll be skipping it which was my thought at the beginning, but I was curious for sure.

[MDOC]

Just insured my new M2C with State Farm and the there was a whopping $2 savings per month to let them "monitor" my driving. Yeah that really doesn't work for me.

[SherM4n]

[Aaaaaaaaa]

Only a matter of time this crap is forced on us. It'll also probably stream continuous ads at us through the car speakers too.