USAA SafePilot Review: Best Option for Vets (2021)
USAA SafePilot uses an app to monitor your driving habits. In addition to a sign-up discount of five percent, safe driving will save you up to 20 percent, and your car insurance rates won’t rise due to bad driving. Factors like location, phone handling, hard braking, and the time of day you drive are tracked by the USAA SafePilot program. It’s important to note that USAA SafePilot is only available to members of the military, veterans, and their families.
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UPDATED: Mar 15, 2021
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- Save up to 20 percent on your car insurance with USAA SafePilot
- You can get an additional five percent discount just for signing up
- USAA insurance is not offered to everyone, only members of the military, veterans, and their families
USAA SafePilot offers discounts based on your driving habits. This usage-based insurance uses an app to monitor your driving, and your discount is then based on your safe driving skills.
To find the best discount veterans auto insurance, you should shop around, although you can get affordable USAA auto insurance. Enter your ZIP code now to compare auto insurance quotes from multiple companies.
What is USAA SafePilot?
Many driving habits are tracked by USAA SafePilot and then scored according to how safe of a driver you are through an app. Once you use your USAA login, the app runs continually in the background on your phone.
While you can’t get a particular USAA SafePilot auto insurance quote, you can get up to a 20 percent discount on the next renewal, based on your ranking. Then the process for the next year begins over again.
This means that you are in complete control of your savings. The better you drive, the more you save.
The habits that SafePilot looks at and ranks are:
- Hard braking
- Time of day
- Phone handling
- Hand-held or hands-free calling
What this means for you is that your score and discount will go down if you use your phone, drive during peak hours, or hit your brakes hard when someone pulls out in front of you.
The app will also lower your score if you use your phone to make a call. However, finding out your distracted driving habits is not a bad thing.
The CDC reports that in 2018, over 2,800 people were killed and over 400,000 were injured by distracted driving.
Be mindful, however, that the app is still running on your phone in the background. This can lead to problems with battery life and data usage, as well as concerns about privacy. USAA insists that they use the information for information purposes only and never sell it.
USAA is still working on the use of SafePilot as an accident warning system. This means that when an accident happens, it will take the data from the app and pinpoint the moment the crash occurs. The software will be able to collect more information about a crash as the technology develops.
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Is SafePilot worth it?
As in every telematics program, there are pros and cons. Pros include that it is free, easy to use, can save you cash on your USAA SafePilot auto insurance rates, and can make you more mindful of your driving habits.
Cons are that it uses your phone battery and data, monitors your driving, and is only open to members of the military, veterans, and family.
USAA car insurance reviews are good and so are the SafePilot reviews. The biggest complaint seems to be that it can be hard for the app to tell if you are the driver or the passenger.
There are various programs that are similar, offered by other auto insurance companies, such as Geico DriveEasy or Progressive Snapshot. Shop around before you buy USAA SafePilot auto insurance. To compare multiple quotes today, enter your ZIP code.