Allstate Drivewise is a no-cost usage-based insurance plan incentivizes safe driving by lowering monthly car insurance payments. Your driving record is monitored by the Allstate app or a device installed in your vehicle, and this information is used to determine the amount of your auto insurance discount. According to the information from Allstate Insurance Company, participants in the Drivewise program are eligible for one of the biggest usage-based discounts made available by major automobile insurance companies.
Drivewise's app-based and device-based versions offer new users an introductory discount when they sign up for the program; however, the way the discount is applied varies somewhat depending on which version of Drivewise you use. Policyholders who use Drivewise for six months can obtain a performance discount depending on how safely they drive.
After then, a new calculation for these performance discounts might be done every six months. However, your discount depends on how well you did in the most recent six months and how well you performed in the most recent 12 months. Therefore, if your driving performance decreases during one six months, even if it improves over the subsequent six months, it will not be enough to cancel out the previous decline.
How Does Allstate Drivewise Work?
Allstate Drivewise is an app that monitors your driving habits and gathers data about them using telematics technology. It then gives safe drivers savings on their vehicle insurance premiums. Drivewise is an add-on to an Allstate vehicle insurance policy that drivers may choose to have included at no additional expense to themselves. Drivewise evaluates your driving based on several different criteria, including the following:
- Driving at safe speeds
- Hard braking
- Time driving
- Driving while distracted
The Allstate Drivewise program operates somewhat similarly to a cash-back credit card in that it provides a discount equal to a percentage of your overall spend, in this instance, the cost of your vehicle insurance premium. Your performance over six months may determine the proportion of the performance discount you get; thus, your rates may alter if the performance discount you receive increases or decreases.
Is Allstate Drivewise Worth It?
Allstate Drivewise program might be an excellent choice for those who are already safe drivers or want to become even safer behind the wheel. A few examples of these advantages are as follows:
Mobile app integration
Drivewise is now integrated into Allstate's primary mobile app, so users no longer need to download a separate app to use the program. Now, clients can engage in Drivewise and access their insurance cards and policy documentation all in one convenient location.
Notifications in real time
Drivewise is open to any drivers who are covered by an insurance policy. Drivers can learn how to improve their driving habits and get warnings in real time thanks to an additional app feature that summarizes their driving patterns over time.
Continued feedback
While driving, using your phone is a very risky activity. The Allstate app can count the times you pull out your phone while behind the wheel.
Crash detection
If the app detects that you have been involved in an accident, it will make it easier for you to contact the Allstate claims department or roadside assistance if you need any of these services.
However, depending on the location and ZIP code of the driver, the time of day they drive, and the amount of time they spend on the road, there is a possibility that some drivers may face disadvantages. For instance, drivers in metropolitan regions may be required to use brakes more often while operating their vehicles properly. Still, drivers in rural areas may be allowed to travel at speeds of up to 80 miles per hour. People who work from home may discover that they do not drive very much, making them an ideal candidate for insurance based on their driving behavior.
How To Enroll in Allstate Drivewise
You may join Allstate Drivewise by speaking with an Allstate agent or applying via the Drivewise mobile application. Both options are available to you. The mobile application is compatible with iOS versions 13.0 and above for the iPhone and 8.0 and higher for Android. After you have read and agreed to the terms of service, you will be required to ensure that the location services on your phone are turned on.
When you are behind the wheel, the Drivewise program will remain active in the background and continue to capture data. Remember that to qualify for and retain a discount on your Allstate vehicle insurance policy; you must make at least 50 trips during each six-month assessment period. You will need to enable crash detection to take advantage of it manually, and the following steps will walk you through that process:
- You can use your mobile device to access the Allstate app.
- Proceed to the dashboard of Drivewise.
- Proceed to the settings.
- Activate the crash detection system.
