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

@joereddick7388

11 күн бұрын

Same here, flat out lied !!

@shawnaaustin3396

5 күн бұрын

Same!!! 😡

🤔 I am supposed to put my device in today and I really don’t know after watching this video 🤦‍♀️ Hmmm

@carolinenachtrab4357

26 күн бұрын

I'm at that point now. Did you do it? If so, were you glad you did it?

Thank You for such a clean, and honest description of what to expect. I verified, I liked, I subscribed. Nicely done.

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?

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. 👍

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 KZread. 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

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.

@ThinkInsurance

3 жыл бұрын

You’re welcome. I’m glad to have helped!

Great video, very informative.. now I'm more comfortable on installing it 👍😊

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.

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

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.

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.

@lutherking1370

Жыл бұрын

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

@sambell385

4 ай бұрын

@@lutherking1370 fuck insurance and China

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.

@krismccoy8581

8 ай бұрын

If I brake hard, I'm usually saving both of us some money.

Great information. This is something I am considering and you have helped me have a better understanding of their program.

Thank you Mark. Loads of good info.

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.

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 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).

@allena4487

Жыл бұрын

Just put your bluetooth on when you drive.

Thanks a lot for the video. Very informative!

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.

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?

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.

@gblargg

2 жыл бұрын

What percentage discount was it? 5%? 20%?

@joewalters9207

Жыл бұрын

My insurance cost $336 for the year maybe I'll switch $36 sure sounds good to me

@drakejthan

Жыл бұрын

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?

@BeautyfromAshes1971

Жыл бұрын

​@@drakejthan it counts against you as handling.

@Alex.Trippy

9 ай бұрын

@@drakejthanthey don’t care as long as you don’t touch it

Thanks bro I needed this

Well researched, thanks for the helpful info.

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?

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?

Excellent information. Thank you.

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...

Thank you for the information

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

@JohnT_72

2 жыл бұрын

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.

@auricgoldfinger8478

2 жыл бұрын

@@JohnT_72 thanks,good to know

@KennyD76

2 жыл бұрын

@@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.

@user-yr4os6jz4r

2 жыл бұрын

@@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.

@Emprul

Жыл бұрын

200 yearly I’m assuming for the Tesla

You were very helpful! Thank you!

@ThinkInsurance

2 жыл бұрын

You're welcome

Thank you for this video.

Thank you for this information ❤️

@ThinkInsurance

3 жыл бұрын

You’re welcome 😊

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. ☺

@heatherlouis9769

Жыл бұрын

I believe they are tracking frequent FAST breaking not frequent breaking. As long as your not slamming on your brakes you should be ok

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

@kevindrake714

3 жыл бұрын

Not true for me I bounced up 10% within a week or two

@joewoodard8929

2 жыл бұрын

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.

@gblargg

2 жыл бұрын

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?

@robert1539

2 жыл бұрын

@@gblargg they’re just being realistic here.

@kimoneill7505

Жыл бұрын

@@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.

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”. ☮️

@ThinkInsurance

11 ай бұрын

🙏🏼

Thanks for this review. I think it probably wil make me more cognizant to drive in a safer mannner too. 🙂

My problem with it is that I am in Texas and there is a nearby road I use with an 80 and 85 mph speed limit. I get dinged by DS&S every time I go on the road.

Thank You for sharing

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!!!

@ThinkInsurance

3 жыл бұрын

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! 🙄

@awakenedlifewtrpreeminence9423

3 жыл бұрын

Exactly! Lol

@gabriellejackson6327

2 жыл бұрын

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.

@chitownjoe67

2 жыл бұрын

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.

@SolBuster

Жыл бұрын

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.

Grading you for driving in heavy traffic? What do they expect people to do when they have work to commute to. Also the hard braking, sometimes its often impossible to not hard break during rush hour with so many bad drivers out there.

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.

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

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

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

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?

@ThinkInsurance

2 жыл бұрын

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.

So if I'm planning to drive fast on my challenger turn the phone off ? Got it 👍

Thanks for the vid

According to State Farm's information page, it says that the phone is NOT connected through Bluetooth and if it was set up that way that you need to redo the set up. So, I am a little confused. Also, I am new to this and have not received the device yet, but what happens if you use MAPS on IOS for driving directions? Won't that appear as if your phone is active and negate the "safe driving" rating? Thank you for all the information. I am beginning to think I may have made a mistake by getting this added to my policy.

@allena4487

Жыл бұрын

It definatley uses bluetotooth, not sure how things were a year ago. It pairs via BT to the beacon they give you.

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.

@a.d.c7941

2 жыл бұрын

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.

@fraudbuster1456

2 жыл бұрын

@@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.

@fraudbuster1456

2 жыл бұрын

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.

@debrakaiser331

Жыл бұрын

@@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! 🥴

@jenniferw2770

Жыл бұрын

@@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?

Very good video. Thanks for the info. Video would be even better if a little less chatty.

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?

question if you drive to much can your rate go up?

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.

@vapeking466

3 жыл бұрын

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

@Vic-lk1zq

2 жыл бұрын

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.

@heavenartist9450

Жыл бұрын

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 😅.

@Lost-Orbz

Жыл бұрын

Move to the right lane so they can overtake u.😉

@moistsquid741

Жыл бұрын

Never drive for the people behind you just focus on your own driving. what they do is 100% on those angry chimps

So you can't have Maps running while you drive? I use Maps all the time. You said there's a link to the User Agreement in the video description but there isn't. I can't find it online to save to my computer.

Great info!

Does it matter about sharing data, your phone apps, including Apple are already doing it and they share it for profit.

If I have KZread open (I use it for school lectures when I drive) will it affect me? And does the pod have to be on the windshield or can it be anywhere in the car?

@sandrag9737

2 жыл бұрын

Yeah if you have the screen on, it’ll doc you points on the drive. And I think it can be anywhere because I have mine in the glovebox but some others have it stuck by the USB ports.

You save at first now I get very little savings. Driving hasn't changed since I first got it.

Thank you for this video. Can you save miles showing up on your car if you leave your phone at home?

@ThinkInsurance

3 жыл бұрын

Since it’s an app on your phone, yes. It will only track the miles based on your phones gps

@cltsev

3 жыл бұрын

@@ThinkInsurance But it is my understanding that they ask for your mileage when you start and then at the end of each six month period and compare to the mileage of your tracked trips.

@ThinkInsurance

3 жыл бұрын

They might still ask for your mileage. I wouldn’t put it past them

@jordanhansen8631

2 жыл бұрын

Just leave the tracker at home most days. I dunno :)

@KennyD76

2 жыл бұрын

You literally type your odometer reading into your app every six months for the renewal of the policy. If there's much of a gap in miles, or if you don't have another enrolled driver on the same policy accounting for those miles, then they're going to be assuming that you're not the primary driver and at the end of the day that gap in miles will result in the removal of the discount for that car.

Can they track when you pick up the phone to answer a call or text or change music?

@ThinkInsurance

3 жыл бұрын

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

@addyplate

3 жыл бұрын

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.

@joewoodard8929

2 жыл бұрын

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.

@batterybroken

2 жыл бұрын

@@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.

How long will it track ? You mentioned 2 weeks. Someone else said one year

What are the red lines in the trips you look at them

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.

@joesnuffy7310

Ай бұрын

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.

ive never had a wreck or ticket, but my insurance goes up 5.00 every month. been looking around for other insurance

@billymacktexasdetective5827

Жыл бұрын

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!

What if my family is in my car, my husband is driving and I’m on my phone that the device is connected too. AND, if my kids use the Bluetooth for the device, will they be able to use their Bluetooth to connect to the stereo in their vehicles???

@ThinkInsurance

3 жыл бұрын

That might be tricky. On occasion if you are the passenger it will allow you to do so but you have to drive a certain amount of miles. There is not a surcharge if you drive bad but you will lose the discount if it does trigger from your kids using your devices connection. The only risk I can thinkg of is if you drive more than the annual mileage you have listed on your policy (if you get a low mileage discount), you could lose that if it tracks more.

@sgreer78

3 жыл бұрын

If I'm in the car when my girlfriend is driving her car it will show me driving too and ding her for phone use.

Very sensitive on the breaking and if you use your phone on a trip and you pull over in a parking lot or in a gas station to use your phone it will ding you.

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 ?

I hope i do that well. Thank you.

What is considered night time? Driving at night can be unavoidable, but if I know the exact time they consider night, then I can limit my exposure. My weather app tells me when sunset occurs, so what does state farm consider night?

@ThinkInsurance

2 жыл бұрын

In insurance between 12am-4am is the night exposures. You can verify it in their site but I’m pretty certain that’s the hours.

@dancingflowers2001

2 жыл бұрын

@@ThinkInsurance That is actually when there is less traffic on the interstates - so that's kind of dumb. I would think between 4:30 PM to Midnight should be the higher rated time frame. But what do I know? I'm just a person who has been driving for over 50 years accident-free.

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.

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 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.

Do u have to keep the tracker in the car? What if ur uncomfortable with the the tracker being in the car?

@ThinkInsurance

2 жыл бұрын

If you have the physical device I’m confident you can take it in and out anytime. It shouldn’t work unless your car is turned on anyways so it won’t know when it’s unplugged if you’re car is off

I just found your channel two days ago and been watching lot of your videos. I switched from Geico to Statefarm after 12 plus years before I saw your review. I drive less than 4000 miles a year since 2020 but Geico been raising my premium despite having a stellar record and driving only once a week. I am wondering whether the beacon records if I don't have my phone while driving? Thank you 😊

@ThinkInsurance

2 жыл бұрын

Thank you. I’m glad I’ve been helpful :0)

@kimoneill7505

Жыл бұрын

You must have your phone's bluetooth activated and with you for it to record a trip.

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.

@maryjohns5870

Жыл бұрын

I have the same problem with State Farm Ins. May I know who you switch to? Thanks

@kingkobra1956

Жыл бұрын

@@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.

@jamesmiranda1449

Жыл бұрын

@@kingkobra1956 WTH? Do you not have insurance now or?

@kingkobra1956

Жыл бұрын

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.

Do the mobile data [or wi fi] need to be active on your smartphone for the app to properly send information? thanks

@ThinkInsurance

2 жыл бұрын

If mobile data is off and GPS isn't active then is shouldn't have a way to send the data unless you're on some sort of wifi

@ralphturner3798

2 жыл бұрын

@@ThinkInsurance Actually, I now have the module set up, and it works even though I don't have mobile data enabled and I'm not near wi-fi. When I get home after a drive, my smartphone connects to my home wi-fi and it sends in the date. Thanks, Think Insurance

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.

@Nevernow721

29 күн бұрын

No you aren't.

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.

@janiseliizabethburton4196

2 жыл бұрын

Amen

@varsoonhks3211

Жыл бұрын

Why does that idea unsettle you?

@kimoneill7505

Жыл бұрын

They aren't concerned with where you go, just how you are driving. *lol*

If you have a smart phone that was not purchased in the USA, it is not even possible to download and install the app. This is programing error. We are in a global world and lots of people living and driving here have phones they purchased while visiting/working overseas.

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.

@leshammer2274

3 жыл бұрын

If you brake for squirrels, it will be reported.

@ragjamrock

3 жыл бұрын

I braked twice for the same squirrel who couldn't make up his mind about whether he wanted to cross the road or not.

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)?

@allena4487

Жыл бұрын

yes, all that is selectable in the app

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.

@user-yr4os6jz4r

2 жыл бұрын

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?

@kimoneill7505

Жыл бұрын

@@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.

@krismccoy8581

8 ай бұрын

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.

@DogGuy19

7 ай бұрын

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.

@notthefather3919

7 ай бұрын

​@@DogGuy19 that's what you say. They recently updated the terms of service to change the term "discount" for "premium adjustment".

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.

It is VERY helpful if you have a teen driver.

I got my beacon today but am hesitant to use it because I often use the hands-free functionality on my car to make and answer phone calls. But I am not clear whether that will hurt me or not. I understand that I can’t hold my phone and text etc.

@ThinkInsurance

2 жыл бұрын

Try it and see. If it triggers then you can figure out what to do next

@ojuice8110

Жыл бұрын

@@ThinkInsurance so i wouldn’t be able to do food delivery like doordash?

@ThinkInsurance

Жыл бұрын

You should talk to your aren’t to confirm but State Farm does offer a TNC program which is rideshare. Reason I suggest talking to your agent is because some companies don’t count food delivery and Uber as the same program

Is it going to be a problem for me when my insurance going to be renew if I turn off my location when I know Imma drive over the speed limit

@ThinkInsurance

2 жыл бұрын

Double check but I don’t think speed Is really a factor. I would drive how you normally would for a week and see how you do.

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.

@los4hunnit293

2 жыл бұрын

Did that work?

Does the app penalize you for your phone screen lighting up when it receives notifications, like when you receive a text message or a phone call?

@kimoneill7505

Жыл бұрын

Mine hasn't. I just leave mine on the passenger seat and don't pick it up at all.

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.

HOW DO YOU KNOW IF THE BEACON IS CONNECTED I'VE BEEN DRIVING A COUPLE DAY'S AFTER THINKING I CONNECTED THE BEACON I DON'T SEE ANY FEEDBACK

just curious? can you "turn" the device off at any time? do you just unplug it? or what if you are the passenger in your own car?

@kimoneill7505

Жыл бұрын

You can turn off the bluetooth and/or location, although they ask you not to. Location seems to be a big deal that could affect your discount. After a trip, you can tap the red icon next to your vehicle's name and you can choose whether you were the driver or passenger, as well as if you or a passenger used the phone during the trip.

If I have my screen on using a navigation app will I get penalized for being distracted?

@ThinkInsurance

2 жыл бұрын

No. Not unless you are constantly touching it

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?

Its a great idea. Just sign up for it.

So what happens if you're using Android auto or Apple car play? You can use your phone hands free to make a call, play music, etc. Does the app recognize that the phone is hooked up through that? Because if not, then you'd be considered using your phone the entire time you're driving

@ThinkInsurance

2 жыл бұрын

Verify it but yes, you should be able to.

I use maps a lot for directions.... does anyone know if they consider this as "distracted"?

@ThinkInsurance

3 жыл бұрын

No they do not count navigation apps against you. Just keep in mind you should not be touching it while driving.

Is it possible to only track trips you want? I don't want this thing tracking every trip. (Help)

@ThinkInsurance

3 жыл бұрын

Part of what you’re signing up for is tracking your driving. You can turn tracking off the tracking or delete the app temporarily but if you don’t get enough driving miles it won’t count.

Thank you for the info. I took it off my insurance. 😊

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.

@budjiman1

Жыл бұрын

Yeah. This is certainly not about the insurance companies caring about us. People are so easily fooled. Im with you on this one

@williamh.vandersteel206

Жыл бұрын

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.