American Family Insurance KnowYourDrive Review (2024)
American Family KnowYourDrive is a usage-based insurance program offered by American Family insurance. With KnowYourDrive, you can save an initial 10% on your insurance rates just for signing up (it’s free and all you have to do is download the KnowYourDrive app). The app uses telematics to track your driving habits and provide a discount of up to 20% on your American Family insurance rates. When you sign up, you may qualify for roadside assistance and other benefits with Travel Peace of Mind.
Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences i...
Commercial Lines Coverage Specialist
UPDATED: Mar 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
American Family Insurance
Average monthly rate for good drivers:
$116A.M. Best rating:
AComplaint level:
LowPros
- KnowYourDrive can save you up to 20% based on safe driving
- You can earn a 10% discount just for participating in the program
- American Family won’t raise your rates if you score poorly
Cons
- KnowYourDrive runs continuously in the background on your smartphone, so it records personal data, including your location
- It uses your phone battery and data to record and download information
Final Verdict: Review of American Family Insurance
The American Family KnowYourDrive program offers drivers a way to save by allowing its app to track their driving habits. Only you can decide if the data collection (and resulting potential lack of privacy) is worth the discounts, which can be as much as 20 percent.
In addition to discounts, when you sign up for KnowYourDrive, you may qualify for free coverage through American Family’s Travel Peace of Mind package, which includes emergency roadside service, rental reimbursement, and other benefits.
What is American Family KnowYouDrive, and how does it work?
American Family insurance company's KnowYourDrive program is a usage-based insurance program that allows you to save on your rates by tracking your driving habits and providing a commensurate discount (up to 20 percent), similar to competitor company programs like Allstate Drivewise and Liberty Mutual's RightTrack. https://youtu.be/kcKqzAYTdyk How do you get KnowYourDrive? If you're insured by American Family, all you have to do is download the free KnowYourDrive App to get started. Once you've downloaded the app and enrolled, KnowYourDrive tracks your driving habits. Specifically, it tracks your:- Driving speed
- Braking habits
- Driving times
- Driving duration
- Distracted driving (though this isn't used when calculating your discount)
What's the best way to save with KnowYourDrive?
As you might guess, since rates and discounts are based on individual driving habits, you won't find published American Family KnowYourDrive auto insurance quotes or American Family KnowYourDrive auto insurance rates. The best way to maximize your KnowYourDrive savings and obtain the full 20 percent discount is to focus on your driving habits. Specifically, follow all posted speed limits, avoid driving late at night, and try to reduce your overall mileage.What You Should Know About American Family Insurance
American Family offers several safe driver discounts, such as claims-free and defensive driver auto insurance discounts, but drivers can save even more by bundling those savings opportunities with KnowYourDrive.
KnowYourDrive is a usage-based telematics program from American Family. The program encourages safe driving by monitoring specific habits and offering a discount based on how well you drive. Drivers can earn up to a 20% discount at renewal, depending on how and when they drive.
Fortunately, American Family doesn’t raise your rates if you exhibit risky driving behaviors. While other factors, such as getting a speeding ticket, might increase your rates, participating in the program won’t cost you anything.
How does the KnowYourDrive auto insurance discount program work?
The KnowYourDrive setup is easy. Simply let your agent or a customer service representative know that you want to enroll. You receive a 10% initial discount for signing up.
Then, download the app. The app runs continuously in the background of your smartphone, monitoring driving behaviors.
KnowYourDrive monitors driving habits, including:
- Distracted driving: Texting, making handheld phone calls, playing games, or anything that takes your attention away from the road is considered distracted driving. In addition, the app doesn’t distinguish between you and your passenger using your phone.
- Speed: Speeding leads to accidents and tickets, which also raise your rates. KnowYourDrive aims to make you more aware of risky behaviors.
- Hard braking and acceleration: Hard braking and fast acceleration indicate either aggressive driving or a lack of attention to the traffic around you. These habits also lead to more accidents.
- Mileage: Drivers who spend more time on the road are more likely to be in an accident. American Family rewards low-mileage drivers by increasing their scores for fewer miles, so this is one way to get a low-mileage auto insurance discount.
- Time of day: If you drive late at night or very early in the morning, you’re statistically more likely to be in an accident.
The app shows the current discount amount and how each person on your policy drives. For example, it shows instances of hard braking and speeding, and also how you can improve your safe driving skills.
Keep in mind that there may be some privacy concerns since the app is always recording. In addition, it impacts your phone’s battery life and data plan. American Family recommends leaving your phone plugged in while driving because the app uses more battery power while you’re moving.
How do you qualify for the KnowYourDrive insurance discount?
Current American Family policyholders can participate in the KnowYourDrive program. Contact your agent or customer service to enroll, then download the app. You can opt out anytime by letting your agent know or selecting the opt-out feature in the app.
If you don’t have auto insurance through American Family, you can still try the KnowYourDrive program for 30 days to see how much of a discount you could earn. After 30 days, American Family can give you a quote so you can decide if the company is right for you.
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The most apparent benefit of KnowYourDrive is the savings you can earn. While you get a 10% discount for participating, you can earn up to 20% if you score well.
Since KnowYourDrive makes you more aware of your driving habits and points out areas where you can improve, it also makes you a safer driver. Many drivers participating in telematics programs are more conscious of their driving and more likely to avoid accidents.
Drivers may also qualify for the Travel Peace of Mind Package, which includes emergency roadside assistance, road trip accident reimbursement, and accidental death and dismemberment benefits.
Participation in KnowYourDrive can also help you qualify for more auto insurance discounts. For example, American Family offers a claims-free discount that you may be eligible for since the program enables you to drive safer and avoid accidents.
You may also find you qualify for an American Family low-mileage auto insurance discount. Since KnowYourDrive monitors mileage, you may discover you don’t spend much time behind the wheel.
American Family allows you to bundle any other auto insurance discounts you’re eligible for with the KnowYourDrive discount.
What’s the best way to save with KnowYourDrive?
As you might guess, since rates and discounts are based on individual driving habits, you won’t find published American Family KnowYourDrive auto insurance quotes or American Family KnowYourDrive auto insurance rates.
The best way to maximize your KnowYourDrive savings and obtain the full 20 percent discount is to focus on your driving habits. Specifically, follow all posted speed limits, avoid driving late at night, and try to reduce your overall mileage.
Frequently Asked Questions
What is American Family Insurance KnowYourDrive?
American Family Insurance KnowYourDrive is a telematics program offered by American Family Insurance. It utilizes a mobile app or a plug-in device to monitor your driving habits and provide personalized feedback. The program aims to promote safe driving and potentially reward policyholders with discounts on their auto insurance premiums.
How does American Family Insurance KnowYourDrive work?
American Family Insurance KnowYourDrive uses telematics technology to track various aspects of your driving behavior, such as speed, acceleration, braking, and mileage. You can participate in the program by installing a mobile app on your smartphone or by using a plug-in device that connects to your vehicle’s diagnostic port. The collected data is then analyzed to assess your driving habits and determine your eligibility for discounts.
What kind of information does American Family Insurance KnowYourDrive collect?
American Family Insurance KnowYourDrive collects data related to your driving behavior, including but not limited to speed, acceleration, braking, mileage, and the time of day when you drive. It may also gather information about your location while driving. However, the program does not collect any personal information unless explicitly authorized by the user.
Is my privacy protected with American Family Insurance KnowYourDrive?
Yes, American Family Insurance takes privacy seriously and has measures in place to protect your personal information. The program adheres to strict privacy policies and only collects data necessary for evaluating your driving habits. Additionally, American Family Insurance will not sell your personal data to third parties without your consent.
Can participation in American Family Insurance KnowYourDrive affect my insurance premiums?
Yes, participation in American Family Insurance KnowYourDrive can potentially result in discounts on your auto insurance premiums. By consistently demonstrating safe driving habits, such as avoiding harsh braking and maintaining appropriate speeds, you may qualify for premium reductions. However, if your driving behavior is deemed risky, it could potentially lead to increased premiums.
What good driving habits does KnowYourDrive reward?
KnowYourDrive monitors specific driving behaviors and offers a discount based on how safely you drive. Low-mileage drivers who don’t play with their phones while behind the wheel, don’t work late at night, and avoid risky habits like speeding earn the biggest discount.
How much is the KnowYourDrive discount?
Drivers get a 10% discount for enrolling in KnowYourDrive. Then, they can earn up to a 20% discount based on how they score. The app keeps track of the discount amount so drivers can see how they’re doing. The discount is applied when the policy is renewed.
Are there any fees or additional costs associated with American Family Insurance KnowYourDrive?
American Family Insurance KnowYourDrive is typically offered as a complimentary program to policyholders. There are no additional fees or costs associated with participating in the program. However, it’s always a good idea to check with your insurance agent or American Family Insurance directly to confirm the details specific to your policy.
Will American Family Insurance KnowYourDrive affect my policy renewal?
American Family Insurance KnowYourDrive alone will not directly impact your policy renewal. However, your driving habits and the data collected through the program may influence the insurance company’s assessment of your risk profile during the renewal process. Safe driving behaviors can be beneficial and potentially lead to more favorable renewal terms.
How do you qualify for the KnowYourDrive program?
Only current American Family policyholders can participate in KnowYourDrive. They must enroll through their agent or customer service and download the app.
If you are an American Family policyholder, contact customer service or your agent to enroll in KnowYourDrive. Once you download it, the app monitors driving habits, including speed, mileage, time of day you drive, distracted driving, and hard braking.
How can I enroll in American Family Insurance KnowYourDrive?
To enroll in American Family Insurance KnowYourDrive, you can contact your American Family Insurance agent or visit their official website. They will guide you through the enrollment process and provide you with the necessary information and instructions on how to download the mobile app or request a plug-in device, depending on your preferred method of participation.
Can I opt out of American Family Insurance KnowYourDrive?
Yes, you have the option to opt out of American Family Insurance KnowYourDrive if you no longer wish to participate in the program. However, keep in mind that by opting out, you may forfeit any potential discounts that could have been applied to your insurance premiums based on your driving habits.
Can I use American Family Insurance KnowYourDrive for multiple vehicles?
Yes, American Family Insurance KnowYourDrive can be used for multiple vehicles covered under your American Family Insurance policy. You can either install the mobile app on multiple smartphones or request additional plug-in devices for each vehicle. This allows you to monitor the driving behavior and potentially earn discounts for all the eligible vehicles on your policy.
Can American Family KnowYourDrive be used for all types of vehicles?
American Family KnowYourDrive is primarily designed for personal vehicles such as cars and light trucks. It may not apply to commercial vehicles or specialized vehicles used for specific purposes. Consult an American Family Insurance agent to determine if your vehicle is eligible for KnowYourDrive.
Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences i...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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