If you sign up for State Farm drive safe and save with the beacon, you get a basic discount no matter how you drive and they cannot take the discount away. This is according to the very young male agent I used. If your beacon shows you are indeed driving safely most of the time, the discount increases. Often we forget to have our cell phones on Bluetooth so no recording often gets missed. We record our mileage for them when requested maybe every other month. It saves us at least several hundred dollars a year on three vehicles. On newer cars they probably have access to that information anyway and if you cause an accident they could probably legally retrieve it.
There are many factors that determine your rate and everyone is unique as to the combination of driving record, credit score, type of vehicle, age, gender, zip code, etc.
The Villages has a very high accident rate, according to my agent.
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