American Family KnowYourDrive Review 2024
American Family KnowYourDrive provides up to a 20% discount based on specific driving behaviors, such as speeding, distracted driving, hard braking, and time of day you drive.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Jun 21, 2023
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: Jun 21, 2023
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
- KnowYourDrive from American Family can save you up to 20% based on safe driving
- American Family won’t raise your rates if you score poorly
- Earn a 10% discount just for participating in the program
American Family’s KnowYourDrive program allows you to save up to 20% on your auto insurance. While the company won’t raise your rates if you score poorly, your savings depends on whether you’re a safe driver exhibiting specific behaviors.
The KnowYourDrive mobile app monitors driving habits, like speeding and distracted driving, and determines your discount based on what you do behind the wheel. Safe driving increases your discount, while risky behavior lowers it.
Keep reading our American Family KnowYourDrive Review to learn how the program works and how to earn the most significant discount. You can also read our American Family Auto Insurance Review to learn more about the company.
What is the American Family Insurance KnowYourDrive program?
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.
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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.
What are the benefits of participating in KnowYourDrive?
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.
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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Final Thoughts About American Family KnowYourDrive
You can save up to 20% on your American Family auto insurance with KnowYourDrive. In addition, you’ll receive a 10% discount for signing up. And your rates won’t increase if you score poorly.
KnowYourDrive uses telematics in its app to monitor driving behaviors, including speed, mileage, time of day, and distracted driving. Drivers who practice safe driving skills earn the highest discount.
The downsides are that KnowYourDrive runs continuously in the background on your smartphone, so it records personal data, including your location. In addition, it uses your phone battery and data to record and download information.
However, not only does KnowYourDrive help you save on auto insurance, it also makes you a safer driver. Since you’ll pay more attention to driving, you’re less likely to be in an accident.
KnowYourDrive seems like a win-win for most drivers since there’s no enrollment cost, and your rates won’t increase based on how you score. Drivers who don’t speed and practice defensive driving techniques will save the most.
Frequently Asked Questions
How does American Family Insurance KnowYourDrive work?
If you are an American Family policyholder, contact customer service or your agent to enroll in KnowYourDrive. Once you download the app, it monitors driving habits, including speed, mileage, time of day, distracted driving, and hard braking.
The app allows you to see your current discount and make adjustments to earn more savings. The final discount is applied to your policy at renewal.
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 renews.
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 does the KnowYourDrive app monitor driving behaviors?
The KnowYourDrive app uses telematics to monitor speed, mileage, time of day, and how often you use your phone while driving. In addition, it picks up hard braking and acceleration.
What factors does American Family KnowYourDrive consider when determining insurance rates?
American Family KnowYourDrive takes various factors into account, including:
- Mileage: The number of miles you drive can impact your rates, as higher mileage generally increases the risk of accidents.
- Speeding: Excessive speeding and aggressive driving behaviors can result in higher insurance rates.
- Hard braking: Frequent hard braking can indicate potential unsafe driving practices and may affect your rates.
- Time of day: Certain hours, such as late nights, may have higher accident risks, and driving during those times can impact your rates.
Is my privacy protected with American Family KnowYourDrive?
American Family Insurance takes privacy seriously. They use data collected through KnowYourDrive solely for the purpose of calculating insurance rates and providing feedback on driving habits. They have implemented security measures to protect your data and adhere to applicable privacy laws.
Can I opt-out of the American Family KnowYourDrive program?
Yes, you can opt-out of the American Family KnowYourDrive program if you prefer not to participate. However, keep in mind that opting out may result in not receiving potential discounts or benefits associated with the program.
How can I enroll in American Family KnowYourDrive?
To enroll in American Family KnowYourDrive, you need to contact an American Family Insurance agent. They will provide you with the necessary information and guide you through the enrollment process.
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 be applicable to commercial vehicles or specialized vehicles used for specific purposes. Consult with an American Family Insurance agent to determine if your vehicle is eligible for KnowYourDrive.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
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.