I received an answer to my question today. I can potentially save money if I let them track our every movement:
Hi – I researched your previous premiums, and you are correct, there has been an increase in rates.
This last year, State Farm, and many other companies, took a statewide rate adjustment on all auto insurance policies. Claims costs and claim frequency continue to rise across the country, and as a result, auto insurance rates for customers are adjusting to better cover expected claims costs. The increased claims activity is a result of having more drivers on the road, more distractions in the vehicle, and higher posted speed limits. Repair costs are also increasing due to the amount of technology, and more labor involved in repairing newer vehicles. Senate Bill 411 was also passed last year in Oregon, and has been in force in Washington, which increased the personal injury protection and uninsured motorist bodily coverage available. Due to this change in the law, there has been an increase in medical payments during the last year. With the increase in medical payments the auto premiums have been adjusted to compensate.
To offset this rate adjustment, you may want to consider the Drive Safe & Save program. This is a new program that started in 2016. Attached you will find some information on the Drive Safe & Save mobile app, to track mileage & driving habits. This program is free, monitored by State Farm, and helps us to adjusts your premium to your actual mileage and driving habits rather than a flat rate based on all drivers in your area. You would receive a 5% discount when you sign up for the program, then your premium would be readjusted at the renewal of the policy (or 6 months of data) based on your estimated mileage and driving habits. If you would like more information on Drive Safe & Save, please go to
https://www.statefarm.com/customer-care/download-mobile-apps/drive-safe-and-save-mobile or give us a call at xxx and let us know that you would like to sign up for the program. We would just need an email address for any driver that would like to sign up, the vehicle they primarily drive, and that driver would need to download the Drive Safe & Save App in their app/play store.
You currently have the many other discounts on your policies, a 3 year accident free discount (which will become a 6 year accident free discount in 2019), the multicar, multiline, vehicle safety and low mileage discounts. The only other discount that you do not have on the policy is the Drive Safe & Save discount.
If you have any questions, or would like additional information, just let me know.