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Elephant Safe Driver App

Save money for driving safely

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Elephant’s Safe Driver App: A Usage-based Insurance Program

What is Safe Driver?

Save money for driving safely. Elephant’s new Safe Driver App is a usage-based insurance program to recognize and reward safe driving habits. When you use Safe Driver* you could see significant savings on your car insurance rates. It’s just one more way we provide insurance on your terms.

How does it work?

As an Elephant customer, when you download and use Safe Driver, you’ll automatically receive a 3% discount on the first term for trying the app. You could receive up to a 10% savings 40 days later and possibly even more at your next renewal.** The more drivers on your policy who use the app, the more opportunities to save! It’s that simple.

The Safe Driver Test Drive will take two to three weeks of driving depending on how many miles you drive. There’s no need to turn the app off and on, just drive as you normally would during the Test Drive period. The Safe Driver App will let you know when the test period is done. After the Test Drive, the Safe Driver App needs to remain on the your phone to collect data to allow you to possibly save even more at renewal.

How to get started with the Safe Driver

Sign up.

If you’re not already an Elephant customer, get a quote and join the Herd by purchasing a policy. Choose to participate by downloading the Safe Driver App from the Apple App Store or Google Play Store. You’ll receive an automatic discount just for participating.

Drive.

Drive with the Safe Driver App for two to three weeks. Time will vary according to how many miles you tend to drive. The smartphone app will notify you when the Test Drive period is complete.  The app will need to remain on the your phone to collect data after the Test Drive period.

Save.

Forty-five days after the start of your auto insurance policy, you will receive savings up to an additional 10% based on your safe driving habits.

What are the benefits of usage-based auto insurance with Safe Driver?

In addition to lower insurance premiums, the Safe Driver usage-based program can:

  • Help you become a smarter, safer driver by becoming more aware of driving habits like speed, hard braking, rapid acceleration, and mobile phone use.
  • Make you aware of distracted driving habits like texting while driving and hard braking so you can correct to earn a better score.
  • Save money with better fuel economy simply by adjusting your acceleration and braking habits.

What we measure to reward your safe driving

  • Focused Driving. You’re focused on your driving. You avoid getting distracted by texts or calls on your phone or by changing music often.
  • Limited hard braking and rapid acceleration. You give yourself plenty of time to brake. This means you’re not driving too close to the car in front of you and are focused on driving. You also give yourself plenty of time to reach the right speed.
  • Late night driving is rare. You limit driving between midnight and 4 a.m. on weekends when the roads can be more dangerous.
  • Gentle turning. You turn safely by slowing down and ease your way into and out of each turn.
  • Fewer miles driven overall. You may work from home or you carpool. Driving less may save you even more.
*Currently available in Texas.
**Your rate may increase with high-risk driving. Our data shows only about 1 out of 10 drivers actually have their rates increase.

FAQs

Who is eligible for Elephant’s Safe Driver?

Currently Elephant offers the Safe Driver to new customers purchasing a policy in Texas. We plan to offer it to new and existing customers in other states in the near future.

Is the app compatible with my smartphone?

The app is compatible with both Apple and Android technology and is available from the Apple App Store and Google Play Store.

What is the Safe Driver Test Drive?

The Test Drive is the time the app takes to evaluate your driving.  Please note, the Safe Driver App needs to remain on the your phone to collect data after the Test Drive period to allow you to possibly save even more at renewal.

How long will the Test Drive take?

The Test Drive must be completed within 40 days. Depending on the number of miles driven each week, it may take as little as two to three weeks to complete.

What if I don’t drive very much?

Your driving frequency is a factor in your Test Drive score, and limited driving will most likely have a positive impact on your result. However, the app does need enough data to be able to make an accurate determination about your driving. Most customers, even those who drive infrequently, should get a score in about two to three weeks. You can monitor your progress in the app.

How will I know when it’s complete?

The Safe Driver App will let you know. You’ll also get an email from Elephant letting you know if you’ve qualified for any additional savings.  The Safe Driver App needs to remain on the your phone to collect data after the Test Drive period to allow you to possibly save even more at renewal.

How will I know how I’m doing on the Test Drive?

In the Scorecard section of the app, you can keep tabs on how the Test Drive is going. When you drive, we consider things like braking, turning, safe hours, and safe phone use to calculate your score. Once we’ve recorded enough trips, we’ll give you an overall number score for how you’re doing as well as a rating on some of the key elements of your score.

The Elephant Safe Driver Scorecard helps you can keep tabs on how the test drive is going. When you drive, it consider things like braking, turning, safe hours, and safe phone use to calculate your score.

How do I indicate when I’m driving, or what if I’m a passenger or not actually driving, will the app be able to tell?

Different forms of transportation transmit different data. So, it’s easy to tell whether you’re driving, riding as a passenger, riding a bike, taking the bus or subway, or even flying. If you feel we have made a mistake, simply find the trip on your Scorecard in the app and select “I wasn’t driving.”

The Elephant Safe Driver app is usage-based insurance, or UBI. It measures driving behavior and starts with the Test Drive. Safer driving can lead to lower premiums to save money.
Usage based insurance, or UBI, measures driving behavior through a phone app. It starts with a Test Drive. If the Test Drive incorrectly counts a driving session, you can easily correct the error in the app.

Do I need to log out after each trip or does the app need to be open to work?

The app does not need to be open. You actually give it permissions to run in the background on your phone when you set up the test drive.

Do I need to leave my global positioning system (GPS) on?

Yes. Without GPS, we won’t be able to determine your driving.

You enable GPS when you set up permissions after installing the app. You can also enable it later by updating your settings to “always allow” location access.

How is driving performance calculated?

After you download the Safe Drive App and begin to drive, we collect high-frequency sensor data from instruments that already exist in your smartphone.

All of the data collected through these instruments are put into an algorithm that accurately determines the motion of your phone. Don’t worry! The motion of your phone looks different when you’re the driver versus a passenger. During the course of your Test Drive, the motion from your phone develops patterns, and these patterns help us make sense of the data. Once we’re confident with the measurements, your Test Drive ends. These measurements contribute to the discount amount, but the Safe Driver App needs to remain on your phone to collect data after the Test Drive period to allow you to possibly save more at renewal.

Do usage-based insurance programs save money?

Yes! We will use your driving data to get a better understanding of how safely you drive. You will ultimately be the one in control of your rate — if you’re a great driver, we’ll pass on more savings. On the other hand, not everyone is a safe driver. For a small percentage of customers, we may determine your driving behavior is not safe and will adjust your rate accordingly.

What qualifies me as a safe driver?

Braking, speed of turns, times of day, miles driven, using your phone while driving and driving routes are all considered when calculating your quote. Basically, follow the rules of the road and be mindful of other drivers when you’re behind the wheel.

I drive multiple vehicles – how does that work?

The app will be on your smartphone, so all you will need is to have your phone with you when driving any vehicle.

Do all drivers on my car insurance policy have to participate?

Only the policyholder is required to take a Test Drive. Other drivers may be added, and their driving scores would be considered for rating, but not required.

How much will be my premium discount be? Can I lose that discount?

You will automatically receive an immediate discount of 3% on the first term for just trying the app. If you do not complete the Test Drive, the 3% discount will be removed.

You could receive up to an additional 10% savings 40 days later and possibly more at your next renewal.  These savings will depend on the Test Drive score*.

How is my privacy protected?

We take protecting your data very seriously. This means we never sell your personally identifiable data (things like name, address, and driver’s license number). Sensitive information is stored in an encrypted environment and any sensitive information submitted to us or by us is sent securely using encryption. Read our privacy policy.

Will the app drain my battery?

We do our best to make sure that our app is as battery friendly as possible — many customers report no change or very little change. The good news? A short-term inconvenience could lead to big savings through lower insurance premiums.

 

*Your rate may increase with high-risk driving. Our data shows only about 1 out of 10 drivers actually have their rates increase.