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Originally Posted by tturedraider
Just fyi - I just went back to USAA, but I went to their new company that charges based on mileage and driving habits, NOBLR. State Farm was going to raise my renewal by 25%. Going to NOBLR decreased my rate by 20%. So, overall my rate is 35% lower than it was going to be. Their app on my phone monitors my driving style, but not my actual speed (State Farm monitored my speed and I always go nine miles over the limit) and the number of miles I drive each week. I like that, because I am a low mileage driver and I feel like I have been paying for a lot more miles than I actually drive pretty much ever since I moved to Chicago. NOBLR also monitors the time of day you drive. They say significantly more wrecks occur between 11:00 PM & 4:00 AM, so not driving during those hours helps.
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After reading your post, I went from USAA-liability to USAA-NOBLR-full-coverage for the same price at same levels.
Background: living in a more and more lawless and uninsured-motorist stronghold (NOVA) where my liability insurance in 2024 started to cost the same as my initial full coverage for my car in 2014. I have an older car and the annual USAA full-coverage rates went 10% above the car's value. I also drive a lot less than before. So last year I dropped full coverage and went with USAA liability.
I just signed up today, choosing the policy to start during next week. Will call USAA Monday to cancel my current insurance, although can do that online as well, but want to chat to make sure I am not missing anything.
You have to be USAA qualified, but do not need to have USAA insurance. Sign up was easy and logical online. I signed in to my USAA account and searched for NOBLR Followed the link outside to USAA's NOBLR web-quote. It imported all my USAA information and at the end I was able to choose between two pre-set policies (BASIC and MODERATE) or a CUSTOM one that you can tweak.
There are two components. One fixed rate monthly, and one variable rate monthly. The variable depends on your miles/day and (I believe) your driving score which is monitored by an app you must download. I already had USAA's SafePilot app for a few years snooping on my driving habits in exchange for a discounted rate, so had no problems with downloading "USSA Pay As You Drive by NOBLR".
Checking some "what ifs", as long as drive low miles and drive reasonably safe, the savings will materialize as estimated. A few long trips may drive the variable-rate portion of the costs higher, but should be offset by a significantly more number of low-miles days.