A large number of insurance companies offer certain incentive programs for safe drivers. State Farm, the nation’s largest auto insurer, is no exception. The State Farm Drive Safe and Save Program allows policyholders to report their vehicle mileage and cut the cost of monthly premiums significantly. It is another example of a vehicle diagnostic program than can help insurers more accurately access driver risk and reward safe drivers with potentially lower rates.
Other auto insurance company offering vehicle monitoring device programs include the Progressive Snapshot discount and The Hartford TrueLane program. These programs can make pay-as-you-go car insurance a reality.
Less Mileage Means Fewer Accidents
Those who drive fewer miles each month are less likely to be involved in an accident. Vehicle owners can report their mileage each and every month to State Farm and receive future discounts on liability, collision and other auto insurance coverage. The State Farm Drive Safe and Save Program is currently available in:
- Alabama
- California
- Colorado
- Illinois
- Michigan
- Ohio
- Pennsylvania
- Texas
Most drivers operating a vehicle equipped with OnStar® can qualify for the program. The car’s odometer reading is reported by OnStar® to the insurance company, which then offers the insured a lower premium on the next renewal date. Alternatively, drivers can report their mileage themselves to the company or use the State Farm In-Drive® in-vehicle service system where eligible. When using the Drive Safe and Save Program with In-Drive®, State Farm claims that drivers can save up to 50 percent on their rates.
Using The Vehicle Diagnostics
Drivers maintaining an enrollment with the OnStar® Vehicle Diagnostics program can have their car’s mileage reported automatically to State Farm. In some states the Drive Safe and Save Program involves using a device that is plugged into the vehicle and reports the mileage to the insurance company on a monthly basis.
This In-Drive device also reports acceleration, braking and fuel efficiency. All of these statistics are important to State Farm because the company is able to place safer drivers in a lower risk category.
Substantial Savings For Safe Drivers
In California, drivers participating in the program enjoy an immediate five percent savings on their auto insurance compared to a more traditional State Farm auto policy. After several months of information gathering, drivers may save as much as 10 percent on their annual premiums. These discounts are applied upon renewal of the policy.
In Michigan, customers participating in the program will see similar savings when their policy is up for renewal. Those who drive less than 10,000 miles per year will receive as much as a 12 percent discount on liability, collision and comprehensive insurance rates.
Texas drivers may save as much as seven percent if they drive less than 10,000 miles per year. Savings may be less if the vehicle owner is currently enrolled in a low mileage program and this mileage total is exceeded in any one calendar month.
Increased Savings With Other Incentives
State Farm offers a number of incentives for good drivers. The Drive Safe and Save Program will reduce monthly insurance premiums for most vehicle operators, but those who insure more than one car, combine their auto and homeowner’s insurance, or are accident-free will save even more.
The low mileage discount offered by State Farm is possible because statistics gathered over the years indicate the probability of an accident is directly related to the number of miles driven. Many families own several cars, but one of the vehicles may accumulate mileage much more slowly than the others. One car might be used only for shopping, taking kids to school, and running errands.
This particular vehicle is far less likely to become involved in an accident. It therefore makes sense to enroll in a low mileage program that rewards the policyholder with substantial savings on insurance premiums.
The State Farm Drive Safe and Save Program is ideal for those who do not exceed 10,000 per year on their vehicle. Enrollment in the program can be completed online through the insurance company or licensed agent.
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does this apply to all safe drivers
DOES NOT APPLY TO ALL DRIVERS—I LIVE IN NEBRASKA. WHY DID i GET THIS NOTICE IN THE MAIL, IF IT IS ONLY AVAILABLE IN A FEW STATES???? THEIR RATES JUST KEEP GOING UP–BEEN WITH THEM FOR A MANY YEARS, BUT SERIOUSLY THINKING OF CHECKING OTHER RATES.
I am trying to register for Drive safe & save.Please help me
Where so I sign up for the 5% discount????
I am a State Farm customer with Jim Docs, give me my 5% discount.
where do I sign up to take the test to get the 5% discount?
Sign me up for safe drivers
I went onto we-site and it does not show Indiana as a State that can get into this program??????
we want to be in this program. thank you
Big brother in your car, this is all conditioning getting you ready for the chip in your wrist. Hello New World Order. no thanks… I’ll pass.
looking for drive safe and save discount
I am interested in getting a discount on my insurance. How do I register for the 5% discount and how else can I save with the drivesafeandsave?
How does one sign up for the 5% discount and any/all other benefits? Also, MO is not listed as a participating state; so where does this take us?
Please respond by e-mail. Thank you.
What if you do not have OnSTAR?
I wish to enroll
I am trying to register for Drive Safe & Save.
I started…but don’t seem to get anywhere. Need your help!
looking for the discount
would like the 5% discount to be applied
I’m looking for a quote from State Farm and no one else.
http://www.statefarm.com/insurance/auto_insurance/drive-safe-save/wisconsin.asp
Go to this website. But you need to have On-Star or Sync or In-Drive to qualify.
I have insurance with State Farm and would like to sign up and receive 5% discount for
signing up. Agent Den Georgoulos, Ageny . Palos Heights,IL.
Where do I sign up for the 5% discount??
Thanks for everyone’s comments. Just a point of clarification that this website – http://www.BestCarInsuranceCompanies.net – is not affiliated with State Farm. If you have specific questions about the State Farm Drive Safe & Save program or would like to enroll, please contact State Farm directly.
Our insurance matching service does offer State Farm in several different states. We invite you to enter your zip code where prompted on our website and compare free auto insurance quotes from leading carriers in your state.
what option applies to my car??
This is a great system if you have a General Motors product with On-Star.What about us poor folks that don’t have that privilage.I have got two older vehicals,95 Honda Accord wagon,and a2000 Ford Windstar.How are you going to scan these systems,short of putting a small fortune into the computer system?
i have state farm
great program
I AM INTERESTED IN ANY DISCOUNT I CAN GET
customer of Bobbozovich, Bentleyvill, Pa State Farm Auto Ins
OK ffirst of all …
anyone wanting to register for this program thru State Farm MUST visit their agent (the agent completes the registration process) – their is NO online registration !
second … this program is ONLY available in ’8′ states … IF your state of residence is NOT listed – you can NOT register for the program !
Yes, I do want a discount.
We wanted to sign up for the Drive Safe & Save, but it is so confusing. Let us know
how.
i tried to register for the $5.00 discount for safe driving, but was unable.
I do already have Insurance with State Farm on three vehicles.
I’m an aircraft owner and don’t go far in a car. Always go by plane on out-of-town excursions.
Ihave a 2013 Ford Escape and do not drive far at all.
I also have 4 autos through state farm.
I do not see how to sign up fro the drive safe and save program. I am a State Farm customer and got the offer in the mail to sign up on line and then see my agent..
Sign me up please!
I have on star and would like to hear from you as to the discount .
My husband and I hacve been with State Farm for all our insurnce for over 40 years. Received the letter about drive safe and save program but see no where to sign up!
So what’s the story?
I would like to join this program and save money.
Need to know what I need to get this/
want to sign up
no success
ok how much does it cost for the third party subcription whats the catch sounds like another GREAT AMREICA RIP OFF TO ME
supisious nothing can save 5% ifyou have to pay someone else
sounds like a rip offWAKE UP AMERICA HOW CAN YOU SAVE WHEN THIRD PARTY SUBSCRIPTION IS REQUIRED NEW WORLD OBAMA
My wife and I have had Sate Farm for 54 Years, including our 5 children when they were living at home, I see no place to sign up for this plan. Please notify us as to go about this safe driving discount, we are certainly interested.
How do I persue this 5% discount for signing up?
How do I sign up???
So how does one sign up. I drive less than 100 miles a month as a rule.
I have been with State Fram Insurance for a number of years. Kindly notify me as to the safe-driving discount as per letter (undated) from agent received on 23 March 2013
I’m looking for the one for Missouri around the Kansas
city area, and I haven’t seen it.