State Farm Drive Safe and Save or OnStar Program Review: Pros and Cons (2024)

You can save big on your State Farm Drive Safe and Save or OnStar car insurance rates based on the way you drive your car. However, your discount can change every time you renew your policy.

There are many pros and cons of usage-based car insurance, and we will go through those for you so that you can make the best decision for you.

Before you buy State Farm Drive Safe and Save or OnStar car insurance, shop around and compare programs from other companies to find your best deal.

Keep reading to learn more about State Farm Drive Safe and Save or OnStar car insurance. Before you begin, enter your ZIP code to compare free quotes from car insurance companies near you.

What is State Farm Drive Safe and Save or OnStar car insurance?

State Farm Drive Safe and Save or OnStar insurance discounts can save you up to 30% on your auto insurance rates by monitoring your driving.

State Farm is one of the top 10 insurance companies in the United States. This table will show you how State Farm car insurance rates stack up against other top competitors.

Although you can’t get a State Farm Drive Safe and Save or OnStar car insurance quote, this will give you an idea of how much that 30% can mean for you.

Average Annual Car Insurance Rates Based on Driving History

Now that you know how much you can save, let’s look at how the program works.

There are two different ways to participate in the State Farm Drive Safe and Save or OnStar program.

First, you can download the State Farm Drive Safe app. The app runs in the background on your phone.

This app is used along with the State Farm Drive Safe and Save beacon that is sent to you. This beacon goes on your windshield and relays information to your app.

The other way to participate is to use OnStar that’s already activated in your vehicle. While there isn’t an OnStar insurance discount, OnStar can be used to send your mileage to State Farm to help calculate your discount.

Is OnStar a vehicle tracking system? The short answer is yes, OnStar can track your vehicle and submit mileage reports via GPS.

Pros to participating in State Farm Drive Safe and Save or OnStar include a discount of up to 30%, it’s free to use, and your rates won’t increase.

State Farm Drive Safe and Save reviews are also favorable. Most drivers report that the program is easy to use.

Cons include lack of privacy since your driving will be tracked, data usage, and phone battery usage.

Read more: State Farm Steer Clear Review

What does State Farm Drive Safe and Save or OnStar monitor?

If you are just using OnStar to participate in Drive Safe and Safe, the only thing monitored will be your mileage. However, drivers who average over 7,500 miles a year may lose a low mileage discount. (For more information, read our “State Farm Discount Double Check Review“).

If you are using the beacon and app, other behaviors are monitored. Drive Safe and Save from State Farm will base your discount on these behaviors:

• Speeding
• Hard Braking
• Fast Cornering
• Distracted Driving

Speeding, hard braking, and fast cornering can all show aggressive driving behaviors that can lead to accidents and tickets.

Distracted driving is a huge problem for drivers. According to the National Highway Traffic Safety Administration, 3,142 people died in 2019 as a result of distracted driving.

Is State Farm Drive Safe and Save or OnStar car insurance worth it?

Drive Safe and Save is free to try, and OnStar will be free to use since you already have it activated.

State Farm won’t raise your rates if you score poorly, but you might lose your low mileage discount if you drive more than you report.

There are not a lot of downsides to trying State Farm Drive Safe and Save or OnStar. Basically, the only thing you have to lose is a little bit of your privacy.

What are other ways to save with State Farm?

State Farm Drive Safe and Save or OnStar isn’t the only way to save with State Farm. Take advantage of other car insurance discounts to save even more.

This table shows you car insurance discounts offered by State Farm. The amount of the discount is listed if it is known.

State Farm Car Insurance Discounts

Bundle multiple discounts with your State Farm Drive Safe and Save or OnStar discount to save even more.

Read more: State Farm Renters Insurance Review: Does It Pay to Bundle?

Understanding State Farm Drive Safe and Save or OnStar Claims Process

Ease of Filing a Claim

State Farm Drive Safe and Save or OnStar offers a user-friendly claims process that can be accessed through their mobile app or the OnStar system.

Customers have the convenience of filing claims online, over the phone, or through the dedicated mobile apps provided by State Farm. This flexibility ensures that policyholders can report incidents quickly and easily, adapting to their preferred method of communication.

Average Claim Processing Time

State Farm is committed to providing efficient claim processing services. While the exact processing time may vary depending on the nature of the claim and the supporting documentation, the company strives to handle claims promptly. Customers can expect a reasonably swift resolution to their claims, allowing for a smoother and more convenient experience.

Customer Feedback on Claim Resolutions and Payouts

State Farm Drive Safe and Save or OnStar has received positive feedback from customers regarding their claim resolutions and payout processes. The company’s dedication to customer satisfaction is reflected in their approach to addressing claims promptly and fairly.

Policyholders have reported satisfaction with the timeliness and fairness of claim settlements, which adds to the overall positive customer experience.

Unleashing Innovation With State Farm Drive Safe and Save or OnStar Digital Advancements

Mobile App Features and Functionality

State Farm offers a comprehensive mobile app with a range of features designed to enhance the customer experience. The State Farm Drive Safe app, in particular, allows policyholders to monitor their driving behaviors, track their discounts, and access valuable resources related to safe driving.

The app’s user-friendly interface and real-time data tracking contribute to its popularity among users.

Online Account Management Capabilities

Policyholders can manage their State Farm Drive Safe and Save or OnStar accounts conveniently through the company’s online portal. This digital platform enables customers to access policy information, view driving data, and make updates to their accounts with ease.

The online account management system provides a seamless and efficient way for customers to stay informed and in control of their insurance coverage.

Digital Tools and Resources

State Farm Drive Safe and Save or OnStar offers a range of digital tools and resources to support safe driving and informed decision-making. These resources include educational materials, safety tips, and real-time driving data analysis. By utilizing these digital tools, policyholders can improve their driving habits, maximize their discounts, and make the most of their insurance coverage.

State Farm Drive Safe and Save or OnStar Car Insurance: The Bottom Line

State Farm Drive Safe and Save or OnStar is a great program for drivers who drive safely, don’t drive very far, and are looking for ways to save money on car insurance.

You get to decide just how affordable State Farm Drive Safe and Save or OnStar car insurance is for you based on your driving.

Shop around and compare rates from multiple companies before you buy State Farm insurance to find your best deal.

We hope you’ve learned all you need to know about State Farm Drive Safe and Save or OnStar car insurance. Before you go, enter your ZIP code to compare free quotes from car insurance companies in your area today.