American Family KnowYourDrive Review: Pros, Cons, & Alternatives
This American Family KnowYourDrive Review: Pros, Cons, & Alternatives review will cover American Family KnowYourDrive Review: Pros, Cons, & Alternatives ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The American Family KnowYourDrive Review: Pros, Cons, & Alternatives A.M. Best rating is A. To compare insurance rates from the best companies in your locale, enter your ZIP code below.
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UPDATED: Mar 5, 2021
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When you’re shopping for car insurance, one of your goals is probably to find the most affordable rates. One way to save is to find a company that offers usage-based insurance. American Family KnowYourDrive is an example of this.
So what is American Family KnowYourDrive? How can you get it? Will you save? Is affordable American Family KnowYourDrive car insurance available? Is it worth it? Read this review for the answers to these and other questions.
Before we get started on this American Family KnowYourDrive car insurance review, why not use your ZIP code in the tool on this page to start comparing rates from insurance companies in your area right 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 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.
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How much can you save with KnowYourDrive, and is it worth it?
If you’re looking to buy American Family KnowYourDrive car insurance, you probably won’t find American Family KnowYourDrive car insurance quotes or American Family KnowYourDrive car insurance rates published on the internet.
Why? Because 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.
American Family KnowYourDrive: The Bottom Line
The American Family KnowYourDrive usage-based insurance program can save you an initial 10 percent on your rates for signing up, but there’s potential to save up to 20 percent on your monthly rates, depending on how safely you drive.
To help you decide if American Family insurance is the right insurance provider for you, we have an American Family auto insurance review you can read.
Before you leave our American Family KnowYourDrive review, take a minute to enter your ZIP code in our free comparison tool to get a free quote from an insurance company in your area today.