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.
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.
Yes, Allstate raises rates frequently. The average Allstate car insurance premium rose by 2.8% from 2018 to 2019, and Allstate rates have increased by around 25% since 2012. Individual Allstate premiums might increase upon policy renewal because of a driver’s actions, like getting into an at-fault accident or receiving a speeding violation. However, Allstate also raises rates due to factors beyond an individual driver’s control, like inflation, the company’s finances, and the country’s weather.… read full answer
Outside forces that have contributed to increasing Allstate rates include a rise in storms and flooding, changes in government regulations, and more frequent, costly claims. However, it’s important to note that every insurance company is subject to these influences to some extent. That helps to explain why the average car insurance premium, among all companies, has increased by 52.2% since 2010, even though cost of living has only increased by 17.2%.
Some rate increases seem unique to Allstate, though. Several regional newspapers have pointed out specific instances of Allstate increasing rates, such as in Los Angeles in 2023, Georgia in 2016, and Illinois in 2014 and 2019. Allstate was also accused by one journalistic non-profit of overcharging based on algorithms that determine how much people are willing to pay.
How to React If Your Allstate Rate Increases
Although Allstate rate increases might give you pause as a customer or prospective buyer, the base premium amount should only be one factor that you consider, along with coverage options, discounts and other features. For instance, Allstate offers benefits that other companies might not, including optional add-ons like new car replacement and a safe driving bonus. In some states, you can even pay a small fee in order to be covered while driving for a rideshare company like Lyft or Uber.
In addition, Allstate suggests several ways to decrease costs if your rate suddenly increases. You can adjust your coverage options, listed drivers, and deductible, for instance. You can also focus on safety, whether in your driving habits or regarding special features like anti-theft devices or anti-lock brakes. Plus, your mileage, your car make and model, and whether you park in a safe garage or on a riskier street can affect rates and might be within your control to change.
Finally, if your Allstate rates increased recently, check out WalletHub’s cheap car insurance guide to help decide if switching insurers is worth your while. It’s always worth comparing quotes to be sure you’re getting the best deal for the coverage and customer service that you want.
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