Is State Farm drive safe and save worth it? Everything you NEED to know
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- čas přidán 10. 09. 2024
- State Farm's drive safe and save telematics device has become the next level of saving money on your auto insurance. In this video I am going to go over what to expect and how the drive safe and save compares to other telematics, usage-based programs like snapshot.
*Savings is UP to 30% and in some states, UP to 50% according to State Farm not, 30-50% as miss spoken in the beginning.
#statefarm #drivesafeandsave
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Please consult your agent before making any changes you feel you are not knowledgeable with. Due that the laws being different in each state, I am not responsible for any changes or updates that may have occurred after the making of this video.
This video and description contain affiliate links, which means that if you click on one of the product links, I will receive a small commission. This helps support the channel and allows me to continue to make videos like this. Thank you for the support! Car insurance advice, car insurance, auto insurance, home insurance, homeowner’s insurance
Just finished my first year with this app driving 7900 miles averaging 95-97% during the 30 day period and saved $300 on the year. As a senior on SS every little bit helps. Great vid, thanks.
What percentage discount was it? 5%? 20%?
My insurance cost $336 for the year maybe I'll switch $36 sure sounds good to me
If the screen of my phone is on, you said it counts as a distraction.
What if it's playing Spotify in car mode where the screen is on, and what if you are using google maps on the phone?
@@drakejthan it counts against you as handling.
@@drakejthanthey don’t care as long as you don’t touch it
My agent did not tell me I was going to have to do this to get the price that she quoted to me. I think that is wrong. A prospective customer should be made aware of this when they were trying to decide what company they're going to buy from
Same here, flat out lied !!
Same!!! 😡
Same here! Didn't tell me.
I started about a year ago my auto insurance with state farm using the monitor on my car.i don't like it but so far I have not had any negative issues with it
me too I had no idea
About a month ago, someone turned across 3 lanes of traffic in front of me and 2 other cars to turn into a business. I had to brake hard to keep from broadsiding their car. It happened so fast, everything in my passenger seat went into the floor. I thought I handled the situation well. I think any driver app would have dinged me. Things like that happen more often nowadays.
If I brake hard, I'm usually saving both of us some money.
I have it in 3 cars, and overall love it. I average 90- 95% score. If you use your phone for navigation, it considers distracted driving, so I got a cheap Garmin for the one car that doesn’t have navigation. I get $212 off the Tesla, $140 off a CRV,$130 off of my Odyssey
I read in their documentation where it informs you of the distracted driving, but it does not effect the score. I think they assume it could be a passenger using the phone for navigation.
@@JohnT_72 thanks,good to know
@@JohnT_72 Can you share where in the documentation you found this. I'm reading the FAQ section. Under "What type of driving feedback is gathered?" there is a sentence that reads, "While not everything the app shows you impacts your discount, they all contribute to you being the safest driver you can be." It then goes on to list six driving characteristics, one of which is phone use, and a description of each item. At least in this section, none of this six descriptions state if the item being described is impacting the score or only being shown in the app. I can find no clear listing of what characteristics, though measured, are not included in calculating the score. I don't doubt you've seen it, I'm just trying to find it myself and am not coming up with it.
@@JohnT_72 It effected my score and all I did was pick up my phone when it was ringing. I didn't even answer it. I never pressed any buttons and still got dinged.
200 yearly I’m assuming for the Tesla
Thank you for the video. I would honestly say that none of the information in this video was ever shared to me about the program and that concerns me. Especially because as a father of five I routinely give my children my phone when I'm in the car because a it's less of a distraction for me and be it's great when you have a toddler who wants to watch CZcams. I guess I will be on the phone first thing Monday to discuss this with my agent because maybe it just isn't worth having.
I suppose one alternative idea might be just to go buy a burner phone that stays plugged in and taped under the dash that connects to my main phone and put the app on that phone
🤔 I am supposed to put my device in today and I really don’t know after watching this video 🤦♀️ Hmmm
I'm at that point now. Did you do it?
If so, were you glad you did it?
I got mines today…and I already know-I’m not going to use it….
I put mine in today. I don’t really want to, but I’m saving $1000 for automotive and 500 from my home.
@@jrbarn1472that’s really good
New York insurance is expensive
I had geico and switched to State Farm
I paying less and State Farm also provided me with roadside assistance
Geico did not
I've had D&S for 1 month. I am finding 2 things very stressful 1) remembering you have it after you've pulled off and 2) agony of always thinking you've violated one of the rules. This device does give anybody who would need it confirmation of your whereabouts. I really don't like that at all! I understand the discount but not I'm not so sure if it's worth having a chaperone every time I leave in my car!🤦I'm finding out my privacy is more important than saving a FEW bucks!!!
To some people that’s exactly the case. It has to make sense for each person.
Me? Only God, my wife and Progressive knew where I was for 2 weeks. Now it’s just God and my wife.
No! I wasn’t going to say God and Progressive! 🙄
Exactly! Lol
That’s good for you, but I don’t think (no disrespect) you or most people are important entropy follow you. Most people have their lives to tend to.
Realistically, I think ( and it's just my opinion ) that you're overestimating what they know about you versus other companies. Odds are unless you have Location turned off on your phone, Google knows, at the very least. Between that and other things like telematics on their cars, something like IPASS ( In Illinois, used for tolls on the tollway ), and any number of other technological devices that most people own, a lot of companies probably know where most of us are at any given moment.
No offense meant, just a thought.
Everyone always thinks they are so special thinking they are being monitored by this higher entity. No one actually cares. It just monitors your driving. If you use a GPS you shouldn't have an issue with anything else. What does it even matter if you're a law abiding citizen anyways.
VERY IMPORTANT: If you do make a low grade (and you will because you'll forget you have it the first few times you drive), it fails you really quick. To get back to an A grade will take seemingly forever. I believe that's how they manage your discount. I have SEVERAL good trips and my grade is barely improving. Too stressful
Not true for me I bounced up 10% within a week or two
Luckily the discount does not change on monthly basis like other companies. your discount only changes every 6 months so it's looking at your habits over a longer period of time allowing for a more accurate average.
I don't understand this: "and you will because you'll forget you have it the first few times you drive" Isn't the point to see how you drive normally, not when you're driving carefully because you're being watched?
@@gblargg they’re just being realistic here.
@@gblargg It allows you to see what normal is to you and whether it needs attention to be considered driving safely in order to qualify for a discount.
I tried this and have mixed feelings about it. It does save money and doesn’t raise your rates but seems to ding you for things you can’t avoid like someone slowing abruptly in front of you (dinged as a hard brake). I was dinged for speeding 5 times on my first drive because I was at the airport dropoff area where the limit is presumably 15 but everyone drives fast. The tracker is obviously not in touch with real world or city driving conditions. Also…it requires to allow the app to always track and also requires bluetooth to be on all the time. It’s definitely a big power suck on your phone. I may be returning this as from these comments it seems like State Farm can use your data against you. Correct me if I’m wrong.
State Farm conned me into using this thing. Try pulling slowly out of a busy intersection with no traffic light. Try braking slowly when an animal toy or God forbid a child goes out in front of you. I braked for a chicken in the road and got dinged. They want you run it over?
@@user-yr4os6jz4r The occasional infractions shouldn't really hurt you in the long run. I think they are looking at the pattern of your driving more than anything. If you are constantly speeding or whatever, that is what constitutes not so safe driving. Just my thoughts.
After using it for over a year, I have saved hundreds. I'm not as great a driver as I thought but it has made me better. It really misses recording alot of things way more times that it dings me. The funny part is when u drive a different car, you behave as if you are driving with the beacon on.
It NEVER costs you more. Your rates do NOT go up, ever, based in how you drive. You get 5% discount regardless. If you're a good driver, you get 30% discount. It does not hurt you, they don't "use it against you" - and they protect your data & never sell it.
@@DogGuy19 that's what you say. They recently updated the terms of service to change the term "discount" for "premium adjustment".
Great video, but lots of questions… does interacting with phone via CarPlay count against you as a distracted driver? If someone else is driving my car and I’m a passenger, does their driving count as mine, and does my phone use during those times count against me as a distracted driver?
Yes it does count as "distracted driving" because the way car play and android auto work is they just broadcast apps remotely to the car screen. It also appears to consider it as distracted with your screen on, which is ridiculous because I leave my audio app on screen all the time. It appears it only tracks mileage now though because of all of the problems.
Thank You for such a clean, and honest description of what to expect. I verified, I liked, I subscribed. Nicely done.
I've had DSS for 3 yrs. My agent told me today that your rate doesn't go up unless you drive 80 mph or more. That being said, I still see a reduced score (less than 100%) for speeding on my app even though it's not 80 mph. Also I just got $5 less discount (ie I''m paying $5 more) compared to last renewal because of either speeding or acceleration (they weren't specific). I'm still saving $260 per yr so happy with the savings! My rate for 250/500K coverage is only $30 mo. Can't beat that rate! I just wish I knew exactly how to get the full 50% off. For example, I'd like them to say if you get X% average on drives you will get the max discount.
i have been told so many didn't things from every agent i talk to. It won't be long they will make us have it. Insurance and china owns the world
@@lutherking1370 fuck insurance and China
I just made 3 trips with perfect scores in every category and my score dropped 5 points. He's correct about the driving at night, which I hope eventually gets litigated in a class action, as penalizing people that work at night, or choose times for getting out based on lower traffic volume, is wrong. I spoke to their tech support about this and apparently the agents have a lot of influence on how the metrics are weighed or assessed. So, if you're happy, it probably means you either have a reasonable agent, or you don't do much at night. Conversely, if you're seeing bad scores, but good app feedback, find a new agent or a new insurance company if the problem is driving at night.
Thank you for this info.. I've been a customer of theirs for a long time, they should know my driving record by now. Also, if it's tracking phone movement because I let kids use phone while on the car and I'm in an accident, I may get negatively impacted by it. And I truly do not like them sharing my data at all. Basically the discount is their way paying me for my data. Not for me. I think it's intrusive.
I just switched to state farm. I was not aware of this until it came in the mail. Something about this that I just dont like.
@@MissDaphne.87 watch the video again. He showed a long list of companies that it shares data with. All were State Farm subs but the privacy policy doesn’t state who THEY can share data with. Selina’s point is valid.
Just put the thing in your shed and tell them you are in Ubers or someone drives you. Then you can get a low miles discount too. They still know where you are through your phone though if you have the app.
@@fraudbuster1456 But then when they ask for an overall car mileage update & there's a big increase after you've said you're not driving your car... you're busted! Ooops! 🥴
@@a.d.c7941 Me too. Came in the mail with no warning. Tell me, did you ever hook it up? If So, What do you think?
So you're basically selling your privacy for $300.
99% of the population already sold their privacy for .10 cents per gallon or by using a smart phone.
Eh, they don’t sell it to any other company outside the State Farm companies. Their very protective of this info against other companies.
@@oxjmanxoallegedly just wait a few years till a data breach or policy change and boom no longer only state farm has it
Thats a good deal. I get nothing from Google, Facebook, CZcams, Twitter, etc.
Nobody cares if you drive five times to Walmart a week if you have a phone or mobile app anyway it's already tracking you in some way shape or form which is more important than your paranoia or saving two to three hundred dollars in 20 2031 the price gets jacked up
Anything you do online or on your phone is being tracked anyway you get absolutely nothing but ads at least State Farm saves you money
I had it for a year now and just got a new car, I need it for the discount. My stress is I sometimes forget my phone for small trips. Programming my new Beacon now. Good video & thanks.
I do have insurance with State Farm and all they offered me was $10.00 each month for using it, I didn't like the idea of having the insurance to know were I go all the time.
Amen
Why does that idea unsettle you?
They aren't concerned with where you go, just how you are driving. *lol*
great video. i just went back to state farm and am considering this. my cons are 1) bluetooth on all the time (will completely drain my phone), 2) tracking me does bother me a bit, and will really bother my spouse, 3) advertised initial savings not worth 1 and 2 (assuming this 10% is across the 6 month policy).
Just put your bluetooth on when you drive.
I have been doing the drive safe and save program for abou 2 or 3 years now with average driving score of 95% and a savings of $330.00 every 6 months so for me it's worth it.
What state do you live in ?that will be great if I can save that much I'm about to put one in my car
@@jordancazillo7806 Illinois
Ok thank you
@@jordancazillo7806 You’re welcome I hope it helps you as much as it helps me, I drive a 2012 Malibu LTZ with the V6, have full coverage with a 250 collision deductible and 0 comprehensive deductible includes car rental ($50.00 a day) roadside assistance, plush half a million in renters insurance and only $107.00 a month.
Thank you. Just switched from Nationwide after 10 years because our rates skyrocketed! Not because of anything we did, but because of the “bad eggs” you spoke about that they haphazardly insured and frauded, so we were feeling the effects! Thank you again, good info after watching a couple other “horror story videos”. ☮️
🙏🏼
I had this thing and i live in a area that i do not get a good cell signal , and i was charged an extra $100. At the end of the month . Because they track your signal and detect a lost signal and you using your phone while driving.
If you are hesitating, I highly recommend getting the drive safe and save!! I am saving $600+ dollars on my 6-month policy as a relatively new driver, which is about 40% off my current policy. I've been on D&S for a year and a half now. My grade ranges from 80-90% and it also helps me drive smoother, making sure I brake softly and turn smoothly.
No you aren't.
Thank you so much for this video sir! Very informative and to the point. Just bought a brand new tesla and was holding off on installing this. Now that I know I won't have to pay more for acceleration, It's a go for me haha.
You’re welcome. I’m glad to have helped!
I saved $1300 a year by using the beacon and app. I drive a very slow car, very easy to take it nice and easy.
I just used it and after 6 months, it saved me 14.7 % on my insurance bill for my 3 cars, so it is worth it. That is driving as normal. $300 saved per 6 months.
I have to work some nights after stores close so that we can remodel them and I lost my discount because I drive between 10 pm and 6 am. If my wife is in the car it records my driving on her app unless she shuts off her Bluetooth. If she doesn't turn off her Bluetooth and as a passenger she is on Facebook or using her phone it marks her off for phone distraction during the entire trip. Many times the posted speed is different then what Drive Safe thinks it is so you get points off for speeding. You must always have your Bluetooth on otherwise it sends you constant reminders to turn it on. You cannot use power save mode on your phone otherwise the app bothers you about turning off power save. Yesterday I drove 60 highway miles to my destination. My battery died before I got back into the car to start driving home because I had to leave Bluetooth on and I could not use powersave mode. So I plugged into the charger in my car but the phone would not turn on because it needed to charge so the app never recorded my trip home. I couldn't turn on my phone as I was driving otherwise I would be marked off for distracted driving. My discount originally was $100 and went down to $5 in the second 6 months. My score is always in the low 90's. They have alot of bugs and improvements that need to be made. Also I do drive within the speed limit or slightly over but I am constantly being passed and cutoff by drivers exceeding the speed limits by 15 or more mph because they do not have Drive Safe and Save.
Same… Just started it recently. I’m always getting dinged for my wife’s driving and distracted driving (even though I’m a passenger)… and vice versa. There is no way to say who was driving (just that you were or weren’t). Super annoying. I may just say screw it and pay the money so I stop worrying about it.
I'm not going to set-up my app. My phone sits in a mount that has slight movement. I use two GPS devices, my car and my phone. Even though I'm not staring at my screen it's charging and on. Completely hands free while driving.
Did that work?
What happened to your best rates come from not having accidents or getting tickets??? This "spy on you all the time" crap is such an invasion of privacy...Limit driving at night?!?! Seriously!!!!!
OK, being a professional driver, nighttime driving to me, is actually safer than daytime driving in Austin. That is when things slow down and there are far fewer folks on the highways except for truck traffic. I actually much prefer driving at night because it is not the infamous 5 PM traffic. ARG! It is not the INFAMOUS 7 - 9 AM horrible Austin, TX traffic. That is when our main roads like I-35, 183, and Mopac become what we drivers call "The parking lot!". I actually AVOID those times if I can! It's also one of THE biggest reasons I retired and got out of the transportation industry and started working from home. To avoid traffic period! However, late at night on into the early AM when it is dark and away from the major cities is when I can really make good ground and travel at my best because there was always less traffic on the roads. Plus, I am a night owl and LOVE nighttime driving. I MUCH prefer it as it is a lot safer than the dreaded Austin, Texas "TRAFFIC" during daytime hours. Where in THE world did State Farm get that driving late at night was more dangerous? I was a long hauler and would drive 8 hours at a time! From Austin, TX to Loredo was a very LONG stretch and I was an overnight delivery guy. At 2 AM, getting South of San Antonio on I-35 there is NOTHING out there and it is so peaceful and SAFE driving-wise. A LOT safer than during the days. So I agree to disagree with State Farm because I AM a night-time professional driver. I would RATHER drive at night as I did it for YEARS without 1 single accident! YEARS! OK. Night time is THE best time to drive because the crazy drivers seem to not be out at 2 AM and 3 AM while I was getting down the road with deliveries to vehicle dealerships and parts stores as well as tool fabricators I delivered products to overnight. That time frame between 11 PM and 5 AM was WAY better in terms of overall safety and a lot less traffic on the roads to even have to deal with. I got spoiled to it for sure. I delivered parts so that the parts departments of these dealerships had everything they needed when they opened in the mornings. That was a way of life for me. So when you say night time is less safe, I do not get what you mean because I drove professionally, over night "10 PM -8 AM" most nights and even sometimes 10 AM returning from a trip and I found that highway driving during those hours to be MUCH better than being in those blasted traffic jams during rush hour traffic that I HATE! I would RATHER drive at night thank you. I don't mean to be argumentative but, I learned very early on that I loved driving at night because hey! I can get down the road better with less traffic out there. After a while, I just simply got used to driving at night. To me it became like breathing. No problem. Maybe the only problem I have now is I like the sleep during daytime hours and I am up nights which My wife hates. Hehe. So, maybe I am an exception to the rule because the hours I used to work when I wasn't retired were overnight hours from 10 PM to 10 AM working sometimes 12 hours total. I just go used to that lifestyle and i NEVER had a problem really. The very few accidents I ever had in my life time were always during day time hours. Now of course I live in this tiny small town away from the big city where there is a LOT less traffic! Easier on my nerves and makes for much more peaceful living for me and my family.
I’ve been using the beacon for 3 months. I like saving money but I don’t know how much longer I will continue to use it. I am very nervous to drive now because I feel like I’m the only driver on the road doing the speed limit. I have had too many aggressive drivers in back of me. One guy was actually hitting his steering wheel. Anyone else experience this? A little more info. I don’t drive to work and try to drive on secondary roads as much is possible.
I have never tried this device but I always do the speed limit as well and it seems to upset alot of people however I feel I should not have to break the law to make these people happy and simply set my cruise to the speed limit. I always accelerate quick up to the speed limit so I tend to leave people setting at the light and that does help some. I used to speed alot when I was younger but got sick of getting pulled over for it and I also found going slower saves fuel so I just stick to the speed limit. It's not uncommon for Cops and other drivers to pass me like I'm sitting still when I do 70mph on a 70mph hwy
Yes, Nancy, my wife and I both experience aggressive drivers when we are going the speed limit. We live in the country and there is one long road which goes from 55 down to a speed limit of 35mph and often we get several cars backed up behind us in that stretch of road. It does get frustrating sometimes, but we are saving money.
honestly i know that is annoying but just remember that people can always go around you, and their personal issues arent yours. also ive always noticed that the ppl that speed pass me 80% of the time they are missing a piece of their car 😅.
Move to the right lane so they can overtake u.😉
Never drive for the people behind you just focus on your own driving. what they do is 100% on those angry chimps
I was told they didn't give discounts based on lower than 7500 miles per year. They gave me a discount for being old. It was $3.00. Then it went down another dollar I think that came after I received the little thing to put in my car. If that is the discount I'm not going to use it. It's not worth it. I live off a dangerous highway and it requires a fast start to get on or risk car and/or life. There is a very difficult back way that requires a lot of twists and turns. Refuse to do that. It would take forever to get to the grocery store. I wonder if State farm reads these.
New subscriber here good video, I literally just installed mines the other day. Not sure how the report card works and what do I need to do but it can't hurt, I hardly drive my dually cause I have a company work van that's driven daily. Take care buddy, keep up with the good videos. 👍
When they say they share your data its not just in-house they can share with retailers (companies) were a data share agreement exists... Example, if you go to Walmart, Aldis, Ross regularly it may categorize as a value consumer to other brands that target value-driven consumers. They in turn can use the data to target ads to you or find new market locations for new physical stores.
Great information. This is something I am considering and you have helped me have a better understanding of their program.
Fine print says the app will monitor for accidents and contact a tow truck and ambulance in the event an accident is detected. Includes a disclaimer that the app can initiate this in error when there wasn't an accident, and that the driver is responsible for any charges from the tow truck or ambulance as a result of the app failure. You can opt-out, though it really should be an opt-in to begin with given the unreliability of the feature.
Great video, very informative.. now I'm more comfortable on installing it 👍😊
Nah this sounds like big brother. Sure you save some bucks, but what’s next? Health insurance companies giving Apple watches to see if you exercise routinely? Sending people company weight scales? Companies sending own cameras for remote work? This all seems to eventually put a person in a social credit system. Before we know it we are like China/North Korea.
Things to think about before giving a company that kind of control. For people saying you give your privacy in Facebook/Instagram anyways…..yeah whole different ball game.
This is insidious AF.
Cool slippery slope fallacy over what is an opt-in program.
You're on some wack juice if you ever think the USA will ever become like China--our flavor of dystopia is far different, bud.
I like you ,I worked for Hartford 33 years retired for 3 now, my renewal they screwedme huge!!! . Charged me almost 4000. When it was less than 1600 , a year. Hate them now
Here's the thing folks. I think people are looking at it a bit wrong maybe? You likely have State Farm because of a family connection. Or the coverage. Or the customer service and coverage balanced with the cost. In short, if you used this fob as a basis for insuring through State Farm, I'd be surprised. So taking that a step further, in spite of agent claims or even SF claims on discount percentages, I doubt if this will have major impact on the average motorists' rates. It will offer enough to feel like they are covering their interests, not yours. Remember they are an insurcance company that balances risk. Savings to you versus payouts to them. Where I see it helping me is with the two college kids' cars that spend most of the week parked. My fun car that spends most days in the garage, as well as half the year when I put it away for winter. Otherwise I'll take what I get. And if the discount is just modest enough, I will toss it as my privacy and the desire not to provide evidence against myself from a court-admissible fob I installed has a value to me as well.
Yeah. This is certainly not about the insurance companies caring about us. People are so easily fooled. Im with you on this one
I was told by the SF Agent, as well as in this video, that there is an allowance of 8mph over the speed limit. This could be a recognition that driving slower than other vehicles presents a hazard (tailgating, passing, and angry driving). Which is the idea behind slower drivers stay in the right lanes on highways.
Thank you so much for the information I've been holding off on putting it in my cars but now that you said that all that I'm not putting it in my car I don't need nobody to monitor me where I'm going and when I'm going and how long or what I think you and I am tossing it have a good day
I switched from Allstate Milewise to State Farm drive safe and save. I did this because every 6 months my Allstate insurance would go up $30. With drive safe and save its tuff, I used to drive with the flow of traffic now I drive the speed limit or the allowable overage, so if the speed limit is 45, I drive 50. No one drives the speed limit unless they are really old, everyone is speeding, if the speed limit is 45, they are going 60 or more. I now have people tailgating me, getting upset at me and flipping me off, they come right up to my rear bumper then jump in the left lane, fly around me, look at me then jump in front of me and fly. What I do now is set my speed control everywhere I go so that I do not accidently go over the speed limit too much. With Allstate they would only ding you if you went over 80 miles per hour. I'm a good driver, it's the people around me who affect my drive safe and save score by braking hard in front of me, do something to cause me to accelerate harder than normal or a light turning red just before you are about to get to the light, you have a split second to think, can I make it or put on the brakes a little harder than normal before you run the light.
Since I use my phone for GPS and drive pretty often (we travel a good bit for misc reasons), do you think I should do the app on an old phone that's wifi only? That way I can still use my GPS on my active phone and still allow my children to use my phone as needed. I really don't like that it will mark you as distracted or whatever if my kid uses my phone while I'm driving. My son usually responds to texts for me since I'm very strict on no texting and driving.
Just got my gps device a few months ago. Drive Safe and Save hits me as speeding when I am going 2 to 5 mph over the speed limit. I carefully tracked my speed using my own GPS device, and cruise control and still hit me with a speeding violation (one red button less than perfect) when I was going the exact speed limit for 99 miles out of a 100 mile trip. This app in not ready for usage yet, it is seriously flawed. Also hits you with an "event" of rapid acceleration, when the only rapid acceleration is on an entrance ramp to a highway. I am and old guy and drive too slowly according to my younger friends. I thought this app would help me, but it is just not ready yet, in my opinion.
Thanks for sharing. Keep us updated what type of final discount they offer after your drive period is over.
@@ThinkInsurance I will do that. Thanks for your kind reply.
I have driven three cars for over 6 months with the devices. I’ve found that the leeway is 11 mph over the limit. Not sure what you are measuring
@@auricgoldfinger8478 Thanks for posting your experience. Very interesting observations! I was measuring my speed limit using my gps and speedometer, and was very careful to stay at the speed limit. Occasionally, I would drift slightly above and below. Nowhere near the 11 mph over allowance that you have experienced. I finally just gave up on monitoring my speed limits and just drove carefully. In the end, I have received considerable cost reductions using the device, around $400 per year on 3 vehicles! They say my score is just over 80% as I recall. edit: by "one red button" I mean the scale on my iPhone State Farm app that shows my driving results for each trip.
That happened to me today. Been using for about 3 days today I was going 5 miles over and it hit me as 1 event for speeding ugh...
I just installed it today. I have speed bumps that I have to go over everyday to get out of my subdivision. I hope State Farm doesn't see that as frequent braking. Thanks for the information. ☺
I believe they are tracking frequent FAST breaking not frequent breaking. As long as your not slamming on your brakes you should be ok
I don't want to be punished for driving outside my usual routes. IDK what the future holds, but I live in a rural area, and It wouldn't be fair to me to be charged more; because the things I need either aren't available within my city limits, or simply aren't able to be delivered to me. Plus, I don't want some company to know my living routine. I'm usually a creature of habit; but sometimes those habits are way less than what may be considered normal. So the lack of constant routine would also be a detriment in the future.
I have a phone plan with 1 gig a month and I drive 300 miles per month . will I go over my1 gig with this device ?
Charlie me too. I have Tello and pay just 10.00 a month. With only 1 GIG I guess we need to store the data on our SD card and then send it when we're near a free WiFi connection. No one seems to have an answer to this.
For anyone that was wondering about navigation and music and podcasts playing on your phone it doesn't count towards the screen on time and deduction on destination driving it only counts when you are texting. We just got off the phone with state farm to confirm this information
How does it know if you are texting?? Makes no sense. To me everytime you open your phone its considered a distraction. Im parked and texting so this should not be a distraction but my phone is open so it will be marked as that
@@rockypittman6516 Because it knows what app is running in the foreground. And if your keyboard is up on your Phone. We have been using the waze app and it hasn't shown up
@@rockypittman6516 so my mom took a drive today and it didn't knock her until she touched it
@@mthuhnuntil she touched what? The texting app or her phone period?
@@papidagunguy if she changed the app that's in the foreground then you will be penalize
I had State Farm for an extremely short period of time years ago because it was renewal day and it was on one of holidays where not all business's close but my insurance company was and I didn't know it until I got there. There was a State Farm office down the street that was open so I stopped in for a quote and it was about the same as who I had been with so I went for it. About half way thru the policy State Farm notified me they were raising my rate twenty dollars beginning the next month. I had a clean driving record so I couldn't understand the increase so I went to the office and inquired as to why the rate increase. The agent said it was because my car had cost more to insure. The funny part was that he didn't even look up my policy, he just pulled that lie off the top of his head. Needless to say when renewal time came I went somewhere else. When dealing with insurance companies you have to stay two or three steps ahead of them or they will screw you over every chance they get.
I have the same problem with State Farm Ins. May I know who you switch to? Thanks
@@maryjohns5870 I went back to my original carrier but I am no longer with them and that was so long ago I don't remember who they were.
@@kingkobra1956 WTH? Do you not have insurance now or?
I have Progressive. They were the pits back in the day but they seemed to have straightened up their act somewhat but as with all insurance companies you cannot slip because they will stick you. Leave nothing to chance and always, always follow up.
This is a reason that us old generation uses regular cameras and camcorders not phones to do videos
I drive from NC, through Atlanta to AL to check on aging parents. Going through Atlanta, AT NIGHT, is Definitely Safer than navigating it through Any daytime hours. IMO So, I don't want to be "Nicked" for driving at night.
I have to wait and see what they mean by hard braking. My brakes just grab and when you drive a high mileage vehicle things aren't perfect.
If you brake for squirrels, it will be reported.
I braked twice for the same squirrel who couldn't make up his mind about whether he wanted to cross the road or not.
I'm not sure why you think it is a negative to have a new DSS discount every 6 months based off your driving from the previous 6 months, when other companies like you said only go for 6 months or a year, but they can actually raise your premium FOREVER. Think about it, let's say after the first 6 months you receive only a 5% discount and you're mad that you're not saving the initial 10% anymore, so you focus on driving safer and when your next 6 month renewal comes up, you get a 15% discount.
They don't take into account where you live. Fort Myers has thousands of retired people who just stop, slow down on slow down for no reason and if you don't brake guess what could happen.
@@BobL417 The first 6 months of doing Drive Safe & Save, you save about 10% Off. Then after 6 months, even if you're the worst driver in the world, you still will save at least up to 1% Off, and if you're the best driver in the world, you could save up to 30% Off. That's pretty awesome, considering all you have to do is download the app, have your Bluetooth and Location on in your smartphone, and you just have to pair up the Bluetooth Beacon from Stae Farm with the app on your smartphone.
@@BobL417 I’m in Fort Myers!! What a coincidence! Small world isn’t it 😂. I was just reading the comments to get some ideas. I have the device but I didn’t even hook it up yet. I don’t think I’m going to do it because I use the GPS a lot and it’s ridiculous it’s considered distracted driving. I don’t even look at the screen I just listen to the prompts.
But also for the reason you said. Old people in the far right lane deciding they want to go left and just cut across 3 lanes without even looking - that just happened to me this morning 😂
Or they just slam on the brakes for no reason.. people drive like idiots around here. It’s not my fault I have to break to avoid accidents. And heavy traffic. Well there’s really no way to avoid that around here it’s always heavy traffic on 41.
So don’t drive at night or during traffic (the day) 😩😩
Very informative video. I am with State Farm but have not signed up to use this. I recently moved to a new city and I use GPS voice for almost all the trips I make because I know where nothing is located, LOL. And as far as I can tell, to be able to hear turn-by-turn instructions, I have to have my phone screen on. I don't actively look at it, just listen to the voice instructions. This, I guess, would be a deal-killer for me until I learn my way around because this State Farm app gigs me for having my phone screen on, correct?
Does it matter about sharing data, your phone apps, including Apple are already doing it and they share it for profit.
So if I'm planning to drive fast on my challenger turn the phone off ? Got it 👍
30% advertised but my agent says average he sees is 11-13% savings
When I am on a road trip I keep my phone on the dash. I use my phone for navigation. I start navigation while stopped. I also start navigation by telling google to "navigate to".. My agent actually told me to turn it off on a road trip out of town. Why? Speeding? On the freeway in my state the speed limit is 65. However if you are driving slower than 80, everyone is on your tail. It is safer, IMO to have plenty of space between cars than driving bumper to bumper. Does it count against you driving on the freeway?
So if I use Google Maps while I'm driving I get dinged for it? That's less distracting than looking around to figure out where I'm going lol
Just switched to State Farm. I had Hartford insurance for 36 years. I was an employee, bust screwed me huge on my auto renewal. Ended yo the raised my rated Double. Took out od AARP plan. So called AARP, explained the problem. Ya da da.. I worked rating 33 years! Qrong person to screw with. They number on charged me as a NB quote ever having a policy 36 years prior. My premium was double and so were payments. Thats why I here
ive never had a wreck or ticket, but my insurance goes up 5.00 every month. been looking around for other insurance
My state farm policies go up every renewal, without fail. Just got a $100 six month rate bump on my truck, which equals a 15% increase. I called to ask why and couldn't get a straight answer. No tickets, no claims but I still get to give them the extra money... FUCK STATE FARM!
I tested it for 1 term. I got dings on my review for using my phone while the car was off in my driveway
30% less to pay for monthly insurance definetly are notnworhty my freedom and privacy, thanks for the video thought.
You might want to stop going anywhere near stores, or in public for that matter, there is no privacy or full freedom there.
Thank you Mark. Loads of good info.
Hi, I just received my beacon, but have not installed it yet. I drive DoorDash and Uber part time, I have the Rideshare insurance add on. I have my screen on all the time for orders or pickups. When I drive in the mornings to my day job, I always use Google maps, to check for the best route, because of traffic jams. So do you think it's worth it to every hook it up and use it?
That's booty about night driving because I'm a 3rd shifter I do like 75% of my driving in the dark
I have one question.. When my wife and I drive together she's on her phone pretty much the whole time. If we are both synced how will that affect the distracted driver issue. How does the system know which driver to sync?
All the apps I’ve tested allow you to put yourself as the passenger if it accidentally picks you up as the driver and you’re not. Especially if you hop on an airplane 😆
It bothered me that my agent didn't tell me about this but so far it has not hurt me.The main thing to me is what if you are going 70 in a 65 mph speed zone and you get in a accident.... will they deny the claim ?
50% discount??? I was told we would get 10%. If you are in an accident, can these trackers be used against you in paying insurance for accident? Or used against you in a court of law?
Can they track when you pick up the phone to answer a call or text or change music?
They can teach that you did but not who you called or what you are doing on your phone. If you do it while driving it will ding you slightly for distracted driving
Don't let anyone with you touch your phone as the counts against you. I got multiple events during a trip because of that. You can't dispute it so that's dumb... So far I'm not a fan at all. The phone tracking is very unreliable at least with IOS. As I've left my screen on and it picks and choices when it wants to count phone usage even if I'm not using the phone at all. So hopefully phone usage has a very low effect on the discount. I won't know for another 5 months.
I work in a State Farm office and have called in to verify this info several times. Your score displayed on the app will change based on phone usage because they want to minimize distracted driving. HOWEVER, because people use their phones for legitimate reasons like gps or a passenger is using it, that part of your score does not play a part in your discount. Hope that helps.
@@joewoodard8929 that’s good. I text for my mom when she is driving or my brother changes the song on my phone so I was worried about that.
You save at first now I get very little savings. Driving hasn't changed since I first got it.
Screw that thing! They wanted me to stick it in my Corvette I stuck it in the trash! Last thing I need is an insurance company policing me when i already have to deal with the law to begin with!
😂
My very first reaction to this is that I am a retired professional driver! I used to drive for a company called MV transportation that had the "Drive Cam" camera system installed in each of the Handicapped Metro Access buses we drivers drove on a daily bases and this beacon sounds like it does everything that drive cam did except create a video of any accidents or incidents. The Drive cam monitored every part of that bus. It monitored the engine. It would tell them how fast I was going. If I so much as bumped a curb or if I "hard braked" for any reason it "dinged me" and sent video footage of the "hard braking" to my company for review. So, I drove like that for about 2 years at first and of course, my family members tell me I drive like a grandfather. Hehe! Hey, when you transport someone in their wheelchair and you take those softer and slower turns, you surely do not want anyone to wind up falling out of their chair and into the bus floor! SAFETY FIRST. My safety manager told me when I first started that if I did not allow that job to change the way I drive that I would NEVER make it. Not only did that change the way I drive but, my whole thinking changed. For example, when I drive I create a safe zone completely around my vehicle. I keep what is known as a safe distance between me and the vehicles around me. I use the LLLC method as well as the SMITH system method in using my professional driving skills. Also, if someone wants to be what we drivers call a " weaver", that is weaving in and out of traffic to MAYBE go faster and save time, I just simply slow down a bit and let them get by me. That is VERY unsafe driving and it is NEVER EVER worth the argument out on the roads. Again Safety first! Now, I just received this and what State Farm does not know is that I am a 26-year veteran of the transportation industry having 26 years driving professional with a stellar safety record. So I am about to put this beacon to the test and see if it stands up to other safety-type professional monitoring systems like "Drive Cam", "Drive Smart" and so on and so forth. I want to see from a professional driving standpoint how well it monitors my vehicle's engine RPMs, driving events, how I brake, and how I turn or take turns. Does this beacon do all of that like the safe systems I had in my professional buses? I even had one in the Metro Busses I operated for the city of Austin, Texas while I was a Metro bus operator. So being a retired professional, I am about to put this thing to the test and see if it measures up.
Great explanation! I have 5 old vehicles with State Farm, and I don't drive 3 of them very much. (Two of them were less than 100 miles this year.) I do want them to be insured though so I think this will work for me.
I love seeing people complain about their "privacy" but still use Facebook (or any social media platform for that matter)Google and have no idea what a VPN is. But I guess ignorance is bliss
FOR REAL.
How do you know what those people use?
Well it's a good thing you love yo see that
I always drive at night, I workout at night, and work at night and I just got mine in the mail, idk if I should install it now🤔
I doubt the nightime driving makes a difference honestly
Thanks a lot for the video. Very informative!
So while using this app you you are driving 75 in a 70 mph zone you cause a accident......is State Farm going to pay ?
Did you tell them that you do door dash and uber ?
If not you should tell them so there would be less of a problem if you get in a accident
Thanks for the information. I switched to State Farm from my prior insurance company because after 26 years of no accidents or moving violations I was paying a 50% higher rate! So I am very curious as to how this system will work. Waiting for my beacon to start my Safe & Save driving 🚗
What I hate is I'm driving down the road, and a guy in the right lane turns left in front of me and I slam on the brakes to avoid t boning him and I get zinged for hard braking! I deleted the app. because I hated being told I'm corning to hard....really? I drove a lifted Wrangler....how hard can I corner in this...done! I used the app for 4 days and my score was 81 percent.
What if you have multiple cars and multiple drivers? Is there away to mark yourself the driver of your spouse's car when you're both in the together(for example)?
yes, all that is selectable in the app
It puts the tracking device in its car or it gets the hose again.
🤣
Not worth the trouble and is extremely very sensitive to point of you get really tired REAL quick of NANNY looking over your shoulder. I drive in the country, very sedate, mellow style of driving here, this damm thing was nailing me for hard braking (stop sign I come to every day) etc, etc.....
They tried to talk me into plugging in their device into my OBD2 port for a whopping savings of $5 a month. I politely declined and they mailed one anyway. Who would do that for $5/mo?
Do you have to do perfect to get the 30% discount or is there another way how you can end up getting a 30% discount
Excellent information. Thank you.
I called my state farm office today and got the drive safe removed. I told the agent I will not be using it because it doesn't have good reviews, and I should of done my research before adding it. She said sure no problem. She did not try to convince me to keep. That really told me she knows people shouldn't add it.
I work in a State Farm office. When people ask to remove it I don't try to convince them either, not because I think you shouldn't have it but because I'm not going to argue a person into saving money. Your office just wants you to be happy because happy customers stick around. Usually saving money makes you happy so we recommend this discount.
Yeah. I doubt thats the reason why they didn’t “argue” with you. They probably just don’t care, it’s for you, and your choice. I have it and I’m fine with it. I save money, that’s it.
Agents don't care if you get a discount.
@@joewoodard8929 hi， I have a question. can I have another phone connected to this device, then I can choose if I want it to track me or not, simply do not take the phone with me when I drive. does it work that way?
I just left State Farm a message to let them know they need to call me back and if not I’ll be calling them in the morning bc I don’t want that drive and safe stuff anymore I had no idea what that was and how invasive it was gonna be! I got an email they are sending me a beacon and I will not be using that!
Thank you for this video.
Quick question I just switched out from State Farm to Progressive and I'm using progressives new version of what State Farm has do I return the physical State Farm Safe & Save
Signed up with State Farm but wasn't told about all of the ends and outs. I was under the impression this device was only tracking mileage. After viewing your video, I think I'll not use the device. I don't need big brother like that.
This probably can be used against you in accident report by other person u hit??
Say driver had used map or text at stop sign idk???
Facts
I have a Tello phone data plan that gives me only 1 GIG of fast data a month. The only Wi-Fi I get is free when I'm at a merchant offering it. Can I still use this app and save money? I was hoping I could compile the information stored on my SD card and later when I'm near a free Wi-Fi connection I could retrieve it. Battery drain is not so much a concern even though I know the app is always running in the background. I use Spectrum and I guess I could upgrade to their Wi-Fi which I really don't need or is that my only option other than upgrading my data plan with Tello? I really only use my smart phone for phone calls and text messages.
2 questions. does loud music affect anything? and also if you turn off Bluetooth or take out the Bluetooth device does it void the discount?
1) The loud music will affect your hearing but crank it up and let those 12" woofers go! BassBoosterz baby! I am not liable for hearing loss... ;-)
2) Turning off Bluetooth does nothing unless you have a tile in the windshield and it can't connect to it which, I don't think State Farm has...?
If you block the app from using location then it will make a difference.
I really wish it could sense other traffic and take into account the size of your vehicle compared to other's along with the actions you have to take to avoid accidents and such, and include those in the percentage of your discount.
Or is that too complex...
so you phones needs to be with you and on everywhere you drive? can the device track info by itself and then upload the data the next time you have your phone in the car? Can you just turn off bluetooth on the phone to stop tracking?
Thank you for the information ❤
Mostly the device fails to work. Again and again I have to reload the program and when calling their 888 number - they said I needed Version 10.5.6 - yet I have 10.1.1... I just reloaded it via Google Play - and oops - it is still 10.1.1 and won't connect. I have troubleshot my Bluetooth - which is working perfectly - my android phone is new and BT is working fine. I've spent a lot of time over the past 3 years trying to keep this working. Living where I live - also - many rotten drivers who are worse now since the pandemic. I have over 60 years of totally clean driving record... no accidents. Only drive maybe 1500 miles a year at worst. I don't handle my phone while driving - and I also do not* keep my data turned on... I have a low end plan. Next week, back to the SF rep. But I've about had it with this. It is a glitchy program.
You can be a 20 year customer with STATE FARM, paying loads of cash to insure your car, pay your premiums on time, no tickets but have a parking lot fender bender and a rock (or object) puncture your a/c condenser...in alllll those years of paying out the butthole for insurance...and they will raise your rates $100 per MONTH.