How does drivewise work

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The information on this site does not modify any insurance policy terms in any way. Using a cell phone app, Drivewise tracks you while you drive and transmits that information to Allstate. The company uses the data to reward you for good driving. The best part? The app records three characteristics: your speed safe speed is considered anything under 80 mph , braking, and the time of day.

The company also notes that it uses little data , and that is only uploaded at the end of each trip when the phone is connected to the internet, either Wi-Fi or cellular. Along with the mobile app, Allstate will send you a small device, about half the size of a pack of cards, that plugs into your dashboard. The app enables insurers to manage claims, payments and drivers all through your mobile device.

Additionally, you can display trip information and cash rewards on your dashboard. You can also receive custom insights to your driving habits.

Simply by downloading the app and driving safely you can receive cash back rewards as often as every six months. To enroll in most usage-based insurance discount programs, you must be a policyholder. Existing policyholders can receive a discount just for enrolling in the program, with the potential for further cash rewards following the monitoring period.

You can earn reward points with safe driving challenges, or through non-driving activities such as redeeming promo codes from Allstate emails and filling out surveys within Allstate mobile. You will receive your cash rewards when you renew your policy, but rewards points appear in your balance within a day or two of completing a driving challenge.

Where allowed by law, Allstate users can redeem rewards points for:. To receive the best rewards, you must avoid driving over 80 mph, minimize hard braking and avoid late-night driving, which is when more road accidents occur. Allstate also monitors your trips and maps within the app, however Allstate employees who service policies will not have access to any location data, although agents will be able to access it.

Usage-based programs with other insurance companies such as Progressive and Root decrease and increase rates based on telematics data. The exception would be in high density urban areas where congested city streets often result in frequent hard breaking. Individuals who live in these areas may feel the app counts this against them when it comes to rewards or premium discounts. But since Allstate Drivewise is a program designed to provide you insights into safe driving behavior rather than a program used to determine premium costs, it should not raise your rates if you have to use hard braking or any other driving error.

No, many would say. In fact, California law prohibits or limits insurers from using non-driving factors to set premiums. Drivewise tracks your driving habits via a mobile app or a small device installed in your car and then sends the data to Allstate. Allstate says Drivewise will not increase your rates and could help you save up to 30 percent on your premiums. Snow and icy conditions may cause the device to record hard braking events when none occurred, some users report.

Another user says Allstate was willing to remove some of his braking events when he complained. However, you will save money using Drivewise, at least at first. Allstate offers a 10 percent discount for signing up. Second I had hard braking events in my yard in my farm truck driving on my own property — NOT! So a year ago I installed the app and same thing happens and I monitor the accuracy of the app weekly and see all the odd times it says I braked hard. I believe they sensitize the app so that they do not have to payout what they promise.

Also I will say that type of car might also make a difference. We have a prius which tends to have hard grabbing brakes since the braking energy is used to charge the car and that seems to make the app worse in false braking events too. I have also had hard extreme braking times that did NOT show up on the app. So if you use DW be aware the pain and price you pay in the design flaws of the system and do NOT think the data is very accurate.

This Mobile App needs an update on it to stabilize it. Numerous calls to them have fixed nothing! Every call starts with up to an hours wait to get to talk with a live person. Total frustration! One of the slowest, glitchiest apps around. A half hour with tech support and no luck. I work from home so that might play a part in it but hey is Calls to the app support have them telling me theres no issue with the app!

Drivewise is the worst app and want to uninstall it. I cant even watch something or read something and the app just goes to the login page.

I have to login in everytime I get out of my car. And then I get dinged for it. I cant uninstall this stupid app because it helps with my insurance.