We’ve been using the USAA Safe Pilot app for the past six months. It tracks our driving and phone distractions and provides a discount of up to 30% for using it.
We just got out semiannual renewal and it saved us 27% or $422 dollars off of our policy premium! I love it? DW not so much. She wants perfection at 30%. [emoji23]
I'm following up on this old thread with an update of our experience with the USAA Safe Pilot program. In short, for us it has been an exercise in delayed gratification.
DW and I joined the program mid September and the App worked fine for me, but not so for DW. It would record only a portion of her trips and then only occasionally. I had conversations with Safe Pilot "specialists" at USAA on two separate occasions and they could not determine why the App on her phone was not recording her driving. They did inform me, via an email, that her lack of participation/driving (!) would reduce the discount we would qualify for if her information was not available.
I decided to take a shot at a solution by getting her a new phone the first week of November. Problem solved, all her trips began to show up on the App. However, it was too late in the renewal cycle for her driving to be considered for the discount (looks like they "fix" the discount percentage about 6 weeks prior to the policy renewal date), so when our policy renewed on Jan 3, we only got 11%. Very disappointing.
However, with both phones now allowing USAA to act as Big Brother, we expected to start to see improved numbers for our next renewal, a discount more in line with what Dash Man reported above. But
after two months of both of us recording our trips, the projected discount on my phone hovered between 10-12% and on hers the discount screen said "Not enough driving recorded to establish a discount. Keep driving."
I was beginning to get really miffed and had decided to give USAA one more call to provide them with a pointed critique of their Safe Pilot Program, hoping I could resist telling them where they should stick it. Then suddenly yesterday, after months of frustration, the App on her phone replaced the "Not enough information" message with a pending discount of 27%. The 10% discount on my App also now reads 27%.
Yes, we will have to wait until July 3 to get the new discount and it can certainly change based on how we drive over the next few months. At least it now appears we are both fully participating in the program via the App and can get the discount based on both of us.