American Family KnowYourDrive Review: Pros, Cons, & Alternatives (2024)

What You Should Know About American Family Insurance

Welcome to our comprehensive article on American Family KnowYourDrive, a usage-based insurance program designed to help you save on your car insurance rates. In this article, we will delve into the key topics surrounding American Family KnowYourDrive, including how it works, the potential savings it offers, the requirements to participate, and the benefits you can enjoy.

We will also address any potential drawbacks and provide insights into the availability of KnowYourDrive in different states. To make an informed decision about your car insurance coverage and find the best rates from top insurance providers, enter your ZIP code below and compare quotes now.

What is American Family KnowYourDrive, and how does it work?

KnowYourDrive is the usage-based insurance program offered by American Family (which is not the same as American Family Care, an urgent care company). Similar to Allstate Drivewise, Liberty Mutual’s Right Track, Esurance’s DriveSense, and others, KnowYourDrive is a way to save on your rates by qualifying for discounts that are determined by your driving habits.

The American Family insurance KnowYourDrive program tracks various information to determine how safely you drive and provide you with American Family car insurance discounts accordingly. (however, poor driving should not mean higher rates, according to the company).

If you want to give KnowYourDrive a shot, all you need to do is download the free app and sign up. Once it’s active, KnowYourDrive will track your:

• Driving speed
• Braking habits
• Driving times
• Driving duration
• Distracted driving (not included in your discount calculation)

Keep reading for potential savings and other pros and cons.

Who is eligible for the discount?

To be eligible for the American Family Know Your Drive discount, you must meet the following criteria:

• You must be an American Family Insurance customer
• You must have a qualifying vehicle that is compatible with the American Family app
• You must download and enroll in the Know Your Drive program through the app

The app is compatible with both Android and Apple devices, and it’s free to download.

American Family Insurance Coverage Options

The specific coverage options offered by American Family Insurance can vary depending on the state and individual policy. However, here are some common coverage options that are often available through American Family Insurance:

• Liability Coverage: Bodily Injury Liability which covers medical expenses for injuries to others in an at-fault accident and Property Damage Liability which covers damage to someone else’s property in an at-fault accident.
• Collision Coverage: Pays for damage to your vehicle in case of a collision with another vehicle or object.
• Comprehensive Coverage: Covers non-collision events such as theft, vandalism, natural disasters, and other incidents.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re in an accident with a driver who has insufficient or no insurance.
• Medical Payments Coverage: Covers medical expenses for you and your passengers regardless of fault in an accident.
• Personal Injury Protection (PIP): Similar to medical payments coverage, PIP may cover medical expenses, lost wages, and other expenses resulting from an accident.
• Rental Reimbursement Coverage: Pays for the cost of a rental car if your vehicle is in the shop for covered repairs.
• Roadside Assistance: Provides assistance for common roadside issues, such as towing, flat tire changes, and lockouts.
• Accident Forgiveness: Some policies offer forgiveness for an at-fault accident, preventing a rate increase.
• Gap Insurance: Covers the difference between the actual cash value of your vehicle and the amount you owe on your loan or lease in the event of a total loss.

It’s important for individuals to consult with an American Family Insurance agent to discuss their specific needs and tailor coverage options accordingly. Additionally, coverage options may be subject to state regulations, so availability can vary.

American Family Insurance Rates Breakdown

These are the general breakdown of factors that commonly influence auto insurance rates, and these are considerations that American Family Insurance, like other providers, may take into account:

• Personal Information: Age, Historically, rates may vary between male and female drivers; and Marital Status.
• Driving History: Accident History and Traffic violations can impact insurance rates negatively.
• Vehicle Information: The type of car can affect insurance costs and Year of Manufacture.
• Coverage Options: The extent and types of coverage selected influence overall costs and Higher deductibles may result in lower premiums.
• Location: Geographic location, including ZIP code, affects rates due to local risk factors.
• Credit History: In some states, credit history may be considered when determining rates.
• Discounts: Eligibility for discounts, such as safe driver discounts or bundling with other policies.
• Usage: Annual mileage and whether the vehicle is used for commuting impact rates.
• Insurance Score: An insurance score, based on credit and other factors, may influence rates.

It’s crucial for individuals seeking insurance coverage to directly contact American Family Insurance or their local agent to obtain accurate and personalized rate quotes. Insurers often provide online tools or agents who can assist in understanding how specific factors may affect individual rates.

American Family Insurance Discounts Available

If you want to avail American Family KnowYourDrive car insurance discount, you probably won’t find American Family car insurance quotes or discount rates published on the internet.

Why? Because quotes and rates are based on individual driving habits. After the initial 10 percent discount for signing up for KnowYourDrive, you can save up to 20 percent on your monthly rates if you drive carefully. The best way to ensure you’re getting a good discount is to:

• Follow all posted speed limits and avoid quick accelerations or hard braking
• Avoid driving after dark whenever possible
• Decrease the amount of time you spend on the road

Another benefit to KnowYourDrive is that you may qualify for free enrollment in American Family’s Travel Peace of Mind when you sign up, which provides you with free roadside assistance, rental reimbursement, and other benefits. Speak to your insurance agent to find out more.

So what are the cons associated with KnowYourDrive? Like most telematics-based insurance programs, privacy concerns are associated with the data collection necessary to adjust rates.

The Insurance Information Institute reports that these concerns have resulted in some states enacting laws requiring companies to specifically indicate what data is being collected, how it’s used, and more.

The American Family Insurance KnowYourDrive Claims Advantage

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

American Family Insurance offers multiple convenient ways for policyholders to file a claim. Whether you prefer the ease of online submission, a quick phone call, or utilizing their mobile app, they’ve got you covered. The flexibility in claim reporting ensures that customers can choose the method that suits them best, making the claims process hassle-free.

Average Claim Processing Time

One crucial aspect of any insurance provider is the speed at which they process claims. American Family Insurance understands the importance of a swift response during difficult times. While the exact processing time may vary depending on the nature of the claim, they aim to streamline the process to provide customers with timely resolutions and support when they need it most.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable indicator of an insurance company’s reliability. American Family Insurance strives to maintain high standards when it comes to claim resolutions and payouts. Customer reviews and testimonials often highlight their commitment to ensuring that policyholders receive fair and satisfactory settlements.

Elevate Your Coverage With American Family Insurance KnowYourDrive Technology

Mobile App Features and Functionality

American Family Insurance’s mobile app offers a range of features and functionalities designed to enhance the policyholder experience. From easy access to policy information to tracking the KnowYourDrive program, the app empowers customers with the tools they need to manage their insurance conveniently and efficiently while on the go.

Online Account Management Capabilities

The insurer’s online account management capabilities provide policyholders with a user-friendly platform to access and update their insurance information. Whether you need to view policy documents, make payments, or track your driving behavior through KnowYourDrive, the online portal ensures that managing your insurance account is a seamless process.

Digital Tools and Resources

American Family Insurance provides a suite of digital tools and resources to help policyholders make informed decisions about their coverage. These resources include educational materials, calculators, and interactive features that assist customers in understanding their insurance options and maximizing the benefits of their policies.

This commitment to digital empowerment reflects their dedication to customer satisfaction in the modern age.

How American Family Insurance Ranks Among Providers

These are the general overview of factors that are often considered when evaluating how an insurance company ranks among providers:

• Financial Strength: One key factor is the financial stability of the insurance company. Ratings from agencies like A.M. Best, Standard & Poor’s, and Moody’s can provide insights into an insurer’s financial strength.
• Customer Satisfaction: Customer reviews and satisfaction surveys play a crucial role. Organizations like J.D. Power and Consumer Reports often release rankings based on customer feedback.
• Coverage Options: The range and flexibility of coverage options offered by the insurance provider can influence its standing among competitors.
• Claims Handling: Efficient and fair claims processing is a significant consideration. Companies that handle claims quickly and satisfactorily tend to rank higher.
• Discounts and Incentives: The availability of discounts and incentives for policyholders can enhance the overall customer experience and affect rankings.
• Industry Awards: Recognition and awards within the insurance industry can highlight a company’s excellence in various aspects of service.
• Technology and Digital Experience: Insurers that provide a user-friendly online experience and embrace technology in their services may receive higher rankings.
• Local Presence: The strength and reach of the company’s local agents and offices can impact its standing, especially for those who prefer a more personalized approach.
• Overall Reputation: The overall reputation of the company within the insurance industry and among customers contributes to its ranking.

The individual preferences and needs may vary, so what works well for one person may not be the best fit for another.