Does American Family offer any discounts or incentives for safe driving?

Teen Safe Driving Discount From American Family

Families who have a teen driver of the family car on their auto insurance benefit from this program. If your teen agrees to driver-tracking with the KnowYourDrive® app, there is a potential for a discount on insurance rates as long as the teen drives well.

The teen installs the app on their mobile phone and takes this mobile phone with them whenever they are driving.

The app helps control dangerous driving behavior, such as distracted driving, by not allowing phone use when the teen is driving the vehicle — the vehicle has to stop for the teen to make or receive a call or text. It also tracks the driving behavior and produces a report that is scored.

There is a 10% discount applied when a teen begins the free-to-use program. After completing 3,000 miles or one year of safe driving, the discount rises to 20% for teen drivers who drive responsibly without accidents, infractions, or insurance claims. This might be the best auto insurance for young adults.

Does American Family offer any discounts or incentives for safe driving? Our American Family Insurance review says safe driving qualifies policyholders to receive discounts. The discount may be as high as 20% if you agree to driver-tracking by the downloadable app called KnowYourDrive®.

This app installs on your smartphone and tracks your driving behaviors, updating you with a safety score after each trip.

American Family Safe Driver Discount

To qualify as a safe driver, you must have five years of driving experience without any accidents, traffic infractions, and insurance claims. You will get credit for your driving record when you transfer coverage to American Family from a competing company as long as your auto insurance is not interrupted.

If you have problems getting auto insurance because of accidents and your driving history, you may need the best car insurance company for high-risk drivers, while you work on improving your safe driver status.

Other Discounts From American Family

Being a safe driver is one of many discount programs offered by American Family. Other discount programs that can add to the savings of being a safe driver include:

• A discount from switching from another competing insurance company with credit for having a safe driving history
• Multi-vehicle discount for safe drivers
• Multi-policy discount
• Loyalty discount for staying with the company
• Legacy discount, if your parents were American Family policyholders

Those are just a few examples of discounts from American Family that may add up to substantial savings if you are also a safe driver.

American Family’s Defensive Driving Discount for 55 or Older

Older drivers, when they reach the age of 55 or older, have the option to pass a qualified defensive-driving course. The refresher course is about driving rules and techniques that improve safety.

The students complete the course online. One popular version of this course that qualifies is the AARP Smart Driver® online program.

Case Studies: Safe Driving Discounts and Incentives Offered by American Family

Case Study 1: Teen Safe Driving Discount From American Family

Sarah and Mark are proud parents of a responsible teenager, Emily. Concerned about her safety on the road, they enrolled in American Family’s Teen Safe Driving program. By installing the KnowYourDrive® app on Emily’s phone, they ensured that she practiced safe driving habits.

The app tracks Emily’s driving behavior, including speed, acceleration, and phone usage. It also restricts phone use while driving to prevent distractions. Emily receives a 10% discount just for participating in the program. After completing 3,000 miles or one year of accident-free and violation-free driving, her discount increases to an impressive 20%.

Case Study 2: American Family Safe Driver Discount

John has been a responsible driver for over ten years, maintaining a clean driving record without any accidents, traffic infractions, or insurance claims. When he switched his auto insurance to American Family, his safe driving history worked in his favor.

American Family recognized John’s safe driving record and offered him a Safe Driver discount. This discount reflects his commitment to being a responsible and cautious driver. With this discount, John was able to save significantly on his insurance premiums.

Case Study 3: American Family’s Defensive Driving Discount For 55 or Older

Mary, aged 60, was determined to enhance her driving skills and ensure her safety on the road. She enrolled in a qualified defensive-driving course approved by American Family, specifically the AARP Smart Driver® online program.

After successfully completing the course, Mary became eligible for American Family’s Defensive Driving discount for drivers aged 55 or older. This discount recognized her commitment to improving her driving skills and reducing the risk of accidents. As a result, Mary enjoyed a reduced insurance premium.

Save Money with Safe Driving and Other Discounts from American Family

On top of safe-driving discounts, you may capture a 5% to 25% discount by knowing how to save money by bundling insurance policies. The average discount for a safe driver with American Family is 23%, so the savings may be significant.