Orlando Harmon
State Farm's Steer Clear program is a safe driver training program that helps young drivers improve their driving skills and save on car insurance. The program combines modern telematics technology with educational components to guide young drivers towards becoming better drivers. It offers driving-focused training that encourages safe driving habits and practices. While the program is said to offer a discount on insurance premiums, there have been concerns about how effective it is, with some users reporting minimal savings. Furthermore, there are concerns about data privacy and the potential for insurance companies to use data against customers in personal injury claims.
| Characteristics | Values |
|---|---|
| Purpose | To improve driving skills and earn savings on State Farm® Auto Insurance |
| Target Audience | Teen and young adult drivers |
| Availability | Availability and eligibility vary by state |
| Requirements | 5 hours of driving within at least 10 trips, completion of training modules, and logging of trips |
| Duration | Up to six months |
| Format | Online modules, mentorship, and practice driving |
| Data Usage | Assessment and improvement of driving skills, personalization of training modules, and calculation of potential discounts |
| Privacy | State Farm does not sell personal information and protects data with safeguards |
| User Consent | Explicit consent required from users for data collection and usage |
| Discount | Varies by state |
Explore related products
What You'll Learn
- Steer Clear is a safe driver discount program by State Farm
- It offers savings on State Farm Auto Insurance for young drivers
- The program combines modern telematics with educational components
- Steer Clear offers driving-focused training to encourage safe driving habits
- The program does not increase insurance bills
Steer Clear is a safe driver discount program by State Farm
The Steer Clear training program offers a wide range of instructions, from car basics to bad weather driving. It provides guidance on how to drive on residential and city roads, highways, and parking lots. Insights on anticipating other drivers, navigating intersections, avoiding blind spots, and dealing with car trouble are also offered. The program requires five hours of driving within at least 10 trips. Viewing time for course videos varies.
The Steer Clear program is available to drivers under the age of 25 who have had fewer than three years of experience behind the wheel. To be eligible, drivers must have a State Farm insurance policy, a valid driver's license, and no at-fault accidents or moving violations in the past three years. The program is self-paced, and drivers can finish it faster if they wish.
The size of the discount offered by the Steer Clear program varies by state. The program can last up to six months, during which participants must complete all the program requirements, including taking training modules and completing the required number of trips.
The Steer Clear app is used to watch safe-driving videos, take quizzes, and record trips. The data collected through the app is used to assess and improve driving skills, personalize training modules, and provide feedback on driving habits. State Farm does not sell the personal information of its users, and robust physical, electronic, and procedural safeguards protect the data.
Foremost Auto Insurance: The Good, the Bad, and the Unique
You may want to see also
Explore related products
It offers savings on State Farm Auto Insurance for young drivers
State Farm's Steer Clear program is a safe driver training program aimed at teen and young adult drivers. The program offers a wide range of instruction, from car basics to bad weather driving, and provides guidance on driving in different environments, such as residential areas, cities, highways, and parking lots. It also covers topics like anticipating other drivers, navigating intersections, and avoiding blind spots. The program consists of five training modules with videos, driving scenarios, and quizzes. Participants must complete five hours of driving within at least ten trips.
The Steer Clear program is designed to help young drivers improve their driving skills and encourage them to think more about safety and practice safe driving habits. By completing the program, young drivers can earn savings on their State Farm Auto Insurance. State Farm offers an initial discount just for enrolling in the program, and participants can save up to 30% based on their driving performance.
In addition to the Steer Clear program, State Farm offers several other ways for young drivers to save on auto insurance. For example, the Good Student Discount offers up to a 25% discount for full-time students who maintain a 3.0+ GPA, are ranked in the top 20% of their class, or make it to the Dean's List/Honor Roll. This discount can apply to both high school and college students and may last until the student turns 25.
State Farm also offers discounts for students who are away from home and only use their car during school vacations and holidays. Additionally, young drivers can save money by taking a driver safety course, which may provide a discount depending on the state. New State Farm customers who have gone three years or more without moving violations or at-fault accidents can also qualify for a discount.
It's important to note that the availability and eligibility of the Steer Clear program and other discounts may vary by state. Interested individuals should contact their State Farm agent to confirm their eligibility and understand the specific savings they can achieve through the program and other discounts offered by State Farm.
State Farm Auto Insurance: Flat Tire Coverage and Support
You may want to see also
Explore related products
The program combines modern telematics with educational components
Steer Clear is a safe driver training program by State Farm that helps teen and young adult drivers improve their driving skills and save on auto insurance. The program combines modern telematics with educational components to offer a comprehensive learning experience.
The Steer Clear program uses telematics, or Information and Communication Technologies (ICTs), to deliver educational content in an innovative way. This includes interactive multimedia software that engages learners through voice, sound, text, graphics, images, and video. The program consists of five training modules, including videos, driving scenarios, and quizzes, covering various driving topics.
One of the key advantages of using telematics in education is the ability to create interactive and innovative learning materials tailored to the specific needs of the target audience. This allows for a more engaging and personalized learning experience, enhancing the overall effectiveness of the program.
The educational components of the Steer Clear program cover a wide range of driving skills and safety practices. For example, learners are taught about car basics, such as understanding indicator lights, operating turn signals, and adjusting the driver's seat and seat belts correctly. The program also covers topics like driving in different weather conditions, navigating residential areas, cities, highways, and parking lots, as well as anticipating other drivers' actions and avoiding blind spots.
By combining modern telematics with educational components, the Steer Clear program offers a unique and comprehensive approach to safe driver training. This integration of technology and education empowers young drivers with the knowledge and skills necessary to make them safer, more responsible drivers, ultimately contributing to their savings on auto insurance.
The Impact of Adding Parents to Auto Insurance: Cost-Saving Strategy or Not?
You may want to see also
Explore related products
Steer Clear offers driving-focused training to encourage safe driving habits
Steer Clear is a State Farm programme that offers driving-focused training to encourage safe driving habits. It is aimed at teen and young adult drivers to help them improve their driving skills and earn savings on their auto insurance. The programme includes an online course, on-road training, and mentorship from other licensed drivers. It offers a wide range of instructions, from car basics to bad weather driving, and provides guidance on how to drive on different types of roads, highways, and parking lots.
The Steer Clear training programme consists of five training modules, including videos, driving scenarios, and quizzes. Participants are required to complete all five modules and drive for at least five hours within at least ten trips. The programme covers various topics such as adjusting the driver's seat, mirrors, and seat belts, maintaining focus and avoiding distractions, and understanding the dynamics of urban driving. It also provides insights on anticipating other drivers, navigating intersections, and avoiding blind spots.
The Steer Clear app is used to collect data on young drivers' behaviour, such as speed, braking patterns, and overall driving style. This data is used to personalise the training modules and provide feedback to improve driving skills. It also helps calculate potential discounts on insurance premiums based on safe driving behaviours. The app ensures the protection of users' personal information with robust physical, electronic, and procedural safeguards.
The programme is designed to foster safer driving habits and improve the driving skills of young motorists. It is a self-paced programme that usually lasts up to six months, and drivers under the age of 25 with less than three years of experience are eligible to participate. The availability and eligibility of the programme may vary by state, so it is recommended to contact a local State Farm agent to confirm.
Unlicensed and Underinsured: Exploring the Auto Insurance Conundrum
You may want to see also
Explore related products
The program does not increase insurance bills
State Farm's Steer Clear program is designed to help young drivers improve their driving skills and, in turn, earn savings on their State Farm Auto Insurance. The program combines modern telematics technology with educational components to guide young drivers toward becoming better behind the wheel. The program does not increase insurance bills. Instead, it offers a discount on insurance premiums for young drivers who complete the program.
The Steer Clear program is a safe driver training course that offers a wide range of instructions, from car basics to bad weather driving. It provides guidance on how to drive on different types of roads, highways, and parking lots. Insights on anticipating other drivers, navigating intersections, avoiding blind spots, and dealing with car trouble are also offered. The program is self-paced and can be completed within six months. Participants are required to complete five training modules, including videos, driving scenarios, and quizzes, as well as five hours of driving within at least ten trips.
The data collected through the Steer Clear app is used to assess and improve the driving skills of participants, personalize training modules, and provide feedback on driving habits. This data is also used to calculate potential discounts on insurance premiums, based on the safe driving behaviors demonstrated by users. State Farm does not sell the personal information of its users, and the data is protected by robust physical, electronic, and procedural safeguards to ensure data integrity and prevent unauthorized access.
While some people have expressed concerns about safe-driver insurance discount programs, including the potential for insurance companies to use data against customers in personal injury claims or raise rates instead of lowering them, the Steer Clear program does not increase insurance bills. The program is designed to promote safer driving habits and help young drivers save on their State Farm Auto Insurance.
Florida DMV: Updating Vehicle Insurance
You may want to see also
Frequently asked questions
The Steer Clear program is a safe driver training program offered by State Farm. It is aimed at young and inexperienced drivers to help them improve their driving skills and promote safer driving habits. The program uses modern telematics technology and educational components to guide participants.
Completing the Steer Clear program can help young drivers save on their State Farm insurance by earning them a discount. The size of the discount varies by state and State Farm does not publish information on how much can be saved. The program does not increase insurance costs.
To sign up for the Steer Clear program, you must be a State Farm insurance policyholder and meet the eligibility requirements. Contact your local State Farm agent to confirm eligibility and sign up for the program. You will then need to download the State Farm Steer Clear mobile app to take the online course and log your driving hours.
