Yes, Allstate Drivewise tracks location for things like underwriting purposes, helping to speed up claims processes, and to give you accurate details of your trips. Your location information does not directly determine your premium or discounts, though.
Why Allstate Drivewise Tracks Location
Drivewise tracks your location using a smartphone app to measure speed, hard braking, and time of day you typically drive more accurately.
Location information can be used to determine how far you travel on each trip, as well as your average speed.
Stored location data may be used during the claims process to better analyze the details of the incident, such as speed and location layout.
If you use the accident detection feature, Drivewise may automatically initiate a call for emergency assistance if an incident is detected.
Drivewise saves maps of your trips using your GPS location data so you can review areas where you may need to improve your driving habits.
No, Allstate Drivewise will not raise your rates for poor driving habits. Allstate Drivewise users are eligible for an initial discount of up to 40% just for signing up, and their rates will not go up for things like speeding or hard braking. Good drivers can save a lot on their premiums every year when using Allstate Drivewise.… read full answer
Key Things to Know About Allstate Drivewise
Allstate Drivewise tracks things like speed, hard braking and the time of day you typically drive
Drivers can use the Allstate Drivewise app to track their habits
Allstate Drivewise has a 4.5/5 rating from WalletHub’s editors
Available in every state
Customer reviews of the app average 4.2 out of 5
Minimum coverage from Allstate costs an average of $79 per month without Allstate Drivewise
Remember that poor driving while using Allstate Drivewise will not lead to as many discounts in the program as safe driving would. Additionally, regardless of whether you use Allstate Drivewise, Allstate itself can raise your rates for things like at-fault accidents, speeding tickets, and other moving violations. Allstate learns of such things from your driving record and CLUE report, rather than through Allstate Drivewise.
You can save up to 40% just for trying Allstate Drivewise and then are eligible for periodic cash back rewards depending on your driving habits. Allstate Drivewise monitors things like speeding and braking to determine how much a driver is eligible to save.
Considering that normal car insurance from Allstate costs an average of $79 per month, trying Allstate Drivewise may be an easy way for drivers to save on their premiums. That’s especially true since Allstate Drivewise will not raise rates for poor driving. So, even less-than-perfect drivers can benefit from using Drivewise from Allstate. That said, people with poor driving habits will not be able to get the maximum discount from Drivewise.… read full answer
Yes, Allstate uses telematics through Drivewise, its usage-based program, and Milewise, its mileage-based program. Milewise only measures a driver’s mileage in order to calculate a daily rate for their policy, while Drivewise tracks several habits and rewards good drivers with a rebate of up to 25%.
In order to use Drivewise, drivers need to plug the tracking device into their vehicle's OBD port or download the Allstate mobile app, which will automatically log trips when it detects driving activity. After you start logging trips, the rebate will be applied every six months. Because Drivewise gives drivers a rebate instead of a discount, your rate will not go up if you practice bad driving habits while enrolled in the program. Currently, Drivewise is available in all states except California.
Milewise, on the other hand, works a bit differently. Instead of offering a rebate, Allstate uses the program to calculate a driver’s payment based on their daily mileage. Customers are charged a small base premium, and then a fee for each mile that they drive, up to 250 miles per day in some states. As a result, Milewise is a good choice for policyholders who don’t drive often.
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