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Fast forward to 1/1/2017, I get an alert on from my bank telling me Ive been charged another $323 which makes that over $600 in less than one month of me actually having their device in my car. My insurance cost went from $436.00 to $969.52 with the company I had before all state. See, thats the stupid shit Im talking about. If you were promised a 30 percent discount, thats poor service, but your terms and conditions that came with the device should have explained the discounting process to you and that your driving habits could save up to 30 percent. process and giving people confidence in which actions to take next. We may also receive compensation if you click on certain links posted on our site. Amazing. There are many circumstances that would cause one to do so! Causing owner a big expense! I stayed with them but rates creeping up just too much for the amount of driving I do. Because the Drivewise app keeps running in the background on your phone, battery life and data usage on your mobile devices can be affected. After having shopped around for additional quotes no other major insurance carrier that I spoke to has the requirement of fully adding our child, with her Learner's License to our insurance policy, and no misinformation concerning some fabricated "six month" limit. Let me tell you this: I switched my auto coverage in August trying to reduce my auto insurance due to the increase with my previous plan to save money. None-the-less, youre saving 17%. Many agents (not just Allstate) are more concerned with the short term business on the books and will do just about anything to keep it on, even if it means irate customers in 6 months to a year. Compare quotes from the top insurance companies and save! Considering you are going off telling people to read up on their state stating that yes you get a check when in fact you dont in my state and many others. If you coast enough, it hardly uses any gas at all! anyway, my year is up this month. Also Your drive wise record can be subpoenaed in a serious accident by the police. Either way, my projected savings is a total of 5%. I love the fact though that they tell you even with an A+ rating which is the best you can get you still would only get a 15% discount. We pulled a few annual mileage scenarios to give you an example of possible savings. Based on experiment and data collected over the years from volunteers they figured out that they could differentiate drivers with even more precision than credit score. Fewer miles means a lower cost. I definitely think I woulfnt sign up for a program like that.I think I would end up worrying about whether Im driving good enough.In the midst of doing that Id probably end up in an accident. the hows n whys came in the little box with the gadget. 2) a means of raising everybodys rates at a future point (based on the vacuum based data of a population of users); Even non-Allstate customers can sign up for Drivewise and qualify for certain rewards. My wifes habits pale in comparison to people sitting high in a large SUV who must be pressing either throttle or brakecoasting is a concept alien to many of them. Your original pre-discount premium might easily be 55% overpriced to begin with. They only have ever offered a six month auto policy in which you MUST wait for the renewal premium for the next 6 month policy period before they will accept payment. better than a hard braking. They say I have an A- averagetwo A+ ratings (braking and speed) and two B+ ratings (for time of day & mileageTOTAL miles for this 7 month period is 2,630!!!) I guarantee you it is different in every state. 1.) They said that I would save 30 percent but I signed up over the phone so it may have been a miscommunication. Allstate offers a feature on its website to view your estimated percent savings for miles driven between 1,000 and 10,000. I did when I had progressive and I think I only saved 15% because at the time I was driving 30 miles to work during peak commuter hours. Its the mental picture you might have of how you think you gaze to others. I tried Drivewise for a year, and then just signed up for Truelane (Hartford). Cost me $130 and they wouldnt reimburse. Now, they have a new dashboard that doesnt seem to give you that option anymore. Earlier posters have complained that light vehicles stop more abruptly than heavy vehicles. At the very least it would be nice if they were up front about all of this. I have been an Allstate Customer for 30+ years and have been paying way to much for my Auto insurance. Interesting that they raised your premiums and then offered a discount. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. Can you suggest a good web hosting provider at a fair price? How could that be? Well in response to you no there was not a single thing added or changed on my part for the rates to go up. Not to mention the other drivers attorney in a civil action. this past sunday i got an extreme braking in my driveway, IN REVERSE, one minute before turning off the key n going in my house. But NOBODY can distinguish deceleration less than 13 km/h in a second from deceleration of 14 km/h in a second. I dont even recall touching the brakes and I think this was the result of pushing on and releasing the gas pedal as the tires spun. I contacted Allstate to see if I can save some money. I had to wait for the insurance co (allstate) to locate used parts before my car could be repaired. I have been a safe driver for a long time, no accidents or tickets ever. Hint: pedestrian walk signals give visible clues to a pending traffic light change. Hartford is about $100 less a year than Allstate for the exact same policy (even with my 11% Drivewise discount figured in). It can also re-flash and update its firmware over-the-air, so it can change its capability at any time. It looks like a start of bigger data collection program. I just checked my results and once again, my car, the newer, most expensive car on the policy gets 0%. Let's say your Allstate car insurance premium prior to signing up was $1,400. I switched my auto coverage in August trying to reduce my auto insurance due to the increase with my previous plan to save money. Kelly I am in Michigan and yes our rate for Michigan are higher than anywhere else. This is a common misconception. The claims process- taking a vehicle to a bump shop, obtaining parts and most if not all companies will use aftermarket parts, the only time factory parts are used is if there is a lienholder/GAP coverage/expanded new car protection that REQUIRE it. But thats not why I am writing. Are you sure they said you would get a 30% discount and not up to 30%? on ice it spins a bit getting to where i need to be. I was told that with an A+ rating I would get a check equal to a 15% discount each 6-month period, but I have yet to see that, and I was told it would not be deducted from my premium, but would come as a check in the mail. Not so much. The bottom line: The mental stress is not worth any discount that you might get. Yet, they are saying that my projected reward is only 14%!!!!! The Drive Wise device monitors 4 things only, and it does NOT track where you drive-no location device. So yeah not sure what the status is, but I think were not going to do it based on what weve heard about it. Speak to an agent: My agent stated that all rates were raised and thats that. Allstate Rewards points never expire. Should you accept an early retirement offer? If you have questions about it ask your local Allstate agent to explain it more thoroughly. its only a 32 dollar discount anyway.. ill still have the 10% epolicy. Not so sure we want it but why cant it go in a hybrid? Not concerned about the privacy stuff. ok i shouldnt have said only 32 dollars, but it drives me crazy. I switched companies and saved over $1000 every 6 months!!! Quoted price included 10% drivewise that I figured out myself. Even got hard braking events on a farm truck that did not leave the property! Almost all American cars and many foreign models have an equivalent of an airplane black box installed that can be used to reconstruct driving patterns after the fact of a wreck (or whenever the government wants to check). They must assume that no one works after 11pm. a dog run out in front of you?? In my experience Drivewise is a scam and the tech I spoke to a few weeks ago said it was broke but I 'should not uninstall it.'. I am not interested in this junk . Just to follow up, Ive been using Drive-wise for about a year now. My mileage for that period is 1398.5 of that this is the breakdown lowest risk 199.4 miles, low risk 960 miles, moderate risk 244.1 miles, no high risk miles. So why would I cancel it just before renewal ? LOL For a 3 Have you ever gotten stuck in the snow? I absolutely love the drive wise technology. Drivewise is a program where you can earn up to a 29% reward check. How many new cars could you have purchsed with the additional money you paid to Allstate that you would have saved if you paid 1/2 the amount for insurance? Thats kindve misleading. I thought after the property is sold I might just get a couple other quotes. PS.this discount from my Drivewise is deducted from my policy upon renewal time. That frequent acceleration and hard braking drivers were also more likely to be involved in an accident. but, it starts at 10% for signing up the first 6 months. I weigh the most I have weighed for years at this very moment! maybe ill try Hartford. The whole system needs re-working but until then I am happy with my current carrier and will revisit allstate again next year to see if they can compete. I am just curious to what discounts people have received. I got zero discount yesterday when they sent an email, and I find their grading strange. In short, its lousy that the discount was poorly explained to you, but look at the bright side you are getting a 17% discount you didnt have before and its because of how well you drive. If I drive 20,000 miles with no accidents and claims in a year and get no savings, but if I drive 5,000 with the other vehicle and get no accidents I save 15%. I get very annoyed about guys who would want to follow me.. Fing drivewise,,,,, no one knows what it is. And for those who dont have car insurance through Allstate, good news: you can also participate in Drivewise and earn rewards, too, although you cant save on your car insurance if you dont have a policy with Allstate. I switched to Esurance, an Allstate company and my premiums went up AND my Homeowners went up a lot because I lost the bundling discount for having the wrong Allstate company on my car. it spins a little every time i back in. Like I said no moving violations on my part for over 20 years. Since we began Drivewise, at my insistence weve also paid the premium as a lump sum, avoiding an added $10 / month partial payment fee, though it sure seems like a lot of money for two cars driven a combined total of 3500 miles in a year. after my new policy starts on the 20th im going to my agent n have it explained more, at that point i will cancel drivewise so i dont have to run lights or worry about small children. Nothing has changed! I use Drivewise. When I didnt hear anything by Aug. 19, I asked again, and was told there was a delay getting my check. and i do know how to apply the brakes to stop. So, I have a 12 year history of low miles with this car. HUH??? You may then qualify for a higher discount if you exhibit and maintain good driving behaviors. Im glad I learned about this before purchasing a car last July. I have had drivewise for 7 months. I got screwed royally by Drivewise. Ill be tempted to run over any small blonde person because their so small, theyll break in half. When I refuse to follow traffic too closely, absolutely no one abruptly cuts in front of my car, or has an urgent need to. Per-mile rate: $0.06. he couldnt tell me when. 12 seconds at speeds up to 60 mph means a driver can judge how long that green light ahead has been glowing during approach. You get an initial discount of up to 10 percent, then you can earn up to 25 percent cash back at renewal. I must be a far worse driver because I have had three extreme braking events and three hard braking events in a little over a month. I been A Customer of Allstate for over 8 years! So months go by. Incentivize safe driving: Good driving techniques keeps yourself, your passengers, pedestrians and other drivers on the road safe. I can hardly sputter and boil over at an average of one hard braking event each month. This program is a scam! which i worked at all summer, they ended up removing some of my braking things but not all. I am saving 15%. I think a lot of people might have reacted this same way. i have to drive up my drive, turn to the left, then back up a grade to park. Progressive did it and everyone followed. All Rights Reserved. DriveWise, much like Progressives Snap Shot, and State Farms Idrive is a telematic device you plug in your car to reward drivers that score high in certain performance categories. im down to 11% now because of it. Dont like the discount youre on target to get? The content created by our editorial staff is objective, factual, and not influenced by our advertisers. My wife tends to ignore that its in her car and Ive learned to watch distant traffic lights while driving my car, guesstimating if theyll change before my approach. What would I have to do to get 30%? every event lowers that percent. Yes people from Drivewise do read these emails and yes it does vary by state. I go days and days without driving at all! I have my renewal policy right here in front of me and it shows right on it drivewise discount included in your premium. A single incident does NOT impact your discount. Our goal is to give you the best advice to help you make smart personal finance decisions. They arent giving you anything. Our goal is to be an objective, third-party resource for everything insurance related. For me at least, hard braking is as a result of following too close. Just look at the driving in South Florida its horrendous, they have no clue, and drivewise certainly doesnt tell them when someone comes across 4 lanes and cuts you off. I would shop based on how an agent takes care of you rather than strictly price. All the customer service reps and their managers are ignorant. It gives to the insurance more profits and robs customers. He said I only needed to make a deposit of $322 into my Milewise account, track it online and when I drove down to $54, my account would be replenished. Omg, I was totally kidding! Also yes it is supposed to start at 30% but they normally dont. If they ask about it then Ill explain to them and its their choice but I do not volunteer that info. There was NO customer services at all, in fact speaking with Juan and Pat was like speaking with a child who had yet to learn how to comprehend, think or articulate. As you can see that makes little to no sense. Our privacy is shot to heck anyway so who cares? Allstate put the burden of proof and getting it so this person would not be added on us, which is ridiculous. Drive wise got me very angry too. so, i thought i was good to go with A+ and 19% plus a 10% discount for ebill. Just a quick question. They will have record of your trips. Kelly, as an Allstate agent myself Im going to have to disagree with you. You shouldnt be penalized for that. My experience with the agent that handled my uninsured Motorist bodily injury claim. Tina,, My new policy starts on the 20th, ill know more then i have the new paperwork for the new policy, my payment is exactly the same. i suppose no one reads this anymore either.. By getting the 28% discount it lowered every other discount. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Something else is going on in your state rate wise or perhaps uniquely to your discount situation of this is happening. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. Device cost is a 100 to 150, roaming cost is 4-10 per month plus you have to give a discount because no one would install it if their premiums could go up. i cant believe i have a thing hanging in my truck that no one knows what it is or how it works I have not qualms whatsoever of the service that I have received from Allstate, however, I have continuously watched my rates go up in the last year every 6 months. depending on you it goes down from there. What? Learn about some of the ways Allstate helps you save money when you drive safely. Allstate's Milewise program measures your trips using a plug-in device to track miles so you can reserve your mobile device's battery while driving. Sorry that happened to you. Cancelled policy went with Allstate back to $600.00 for six month period. I walk to work every day and put maybe 10,000 miles TOTAL on BOTH vehicles combined in a year. you swerve to miss them instead of braking n getting an event. Besides Allstates insurance reduction with Drivewise, fuel costs will also go down. i understand your green light n pissed off drivers behind you, i live just off of a 4 lane highway n most of my driving is on it. Both work together to retrieve the information about each driving trip, including: Drivers can earn 15,000 points with Drivewise just by downloading the app and activating an account. When all state comes up with a better system on there big brother under the dash, I may get back into the program. I only drive 1-2 times per week (a total of 10-20 miles) and still only have a 10% discount. Your ticket is being looked at by the Drivewise second level team. Instead we drive later at night or early mornings too when less traffic is on the road but get penalized for it. Horrible experience! Last premium it was 7% and it was taken right from the premium never in a check. There are a ton of conflicting ideas out there about the particulars of Drivewise that said, Allstate was the highest of anyone. Needless to say I have a bad driving record on Drivewise becasue of that. I called Allstate and told them I had changed vehicles, got the new rate quote, which by the way went down. i was a good two hundred feet off the road, in my driveway. My discount was only 5% and hers was 3%. I read through most of the comments above and Id like to point out a few things. Haha Many times if you add a renters policy, the discount on your auto equals the cost of the renters policy due to the multi discount. I have seen them add trips to my logsome at 2 oclock in the morning!!! I called many times and talked with many people there. you have to hit the animal, swerve to miss the cart or skateboard, swerve to miss a kid too. I have 3 extreme brake events in one minute, all three in one minute n one minute before turning my car off in my driveway. I had low mileage, braking, etc and my discount was an insult. And its weird to me that your premiums went up just before doing this, that feels more scammy to me than the drivewise thing! Allstate Drivewise car insurance quotes, like all usage-based programs, cant be estimated because they are based on feedback from your driving habits. Sudden braking. The fact that the program isnt all its cracked up to be doesnt surprise me either. I thought do I hard break and lose my whopping 3 % discount or We each have achieved an identical overall grade of A+; good for 21% discount each. They basically said 'too bad so sad.' Why in the hell were you with Allstate in the first place? i know some of you out there know other things.. lol. 2/4/14, 2/8/14, and 2/1314 this has been done per our business rules. About two years ago we had Allstate try to auto add someone to our automobile policy. Sorry for your bad experience! is my % i end up with at 6 months what i keep after that? You have declined the Drivewise Customer Agreement: Your vehicle(s) will not be enrolled in the Drivewise program. With technology what it is today (but not perfect) it makes sense for insurance companies to offer device (free) so additional discounts can be given for good driving. Allstate is one of the best insurance companies out there and the feedback reflects it. tom. You are about to post a question on finder.com: document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); 32 East 31st Street, 4th Floor, Miles driven can wipe out an A+ in all the other categories if you drive a lot of miles. Thank you! This program allows you to save up to 30% every 6 mo. Allstate isnt GIVING you anything. It was interesting to see the stats on my driving though and maybe Ill be more aware of it. This Drivewise program shows me to have braked hard a number of times when I know I did not. The discount is calculated on safety factors. Our experts have been helping you master your money for over four decades. If my insurance was $200 per month, I would definitely do it! 1 0 obj Not once did the CSR advise me that the new vehicle had not been approved for the Drivewise program. Allstate is such a joke. I will not run a light to save a few dollars, for using my brakes, and if I want to go out for dinner at any given time I can relax and tell my wife Im ready NOT ( Well lets wait a little while so we dont get penalized for being on the road at the wrong time of day, and maybe get hit by one of those uninsured drivers, that are many in Fl. I am concerned about using the device so I was googling information about it. Allstates Milewise program is similar to other insurers usage-based programs, but Allstate has the benefit of being a highly rated and solid company. Bankrates editorial team writes on behalf of YOU the reader. Just drive around like your brakes are out to get the best discount (it cant measure turning force). There is a lot of room for the insurance company to fraudulent practices using the parameter that nobody can measure or feel except the insurance itself. All the drivers on your policy can work together to earn more discounts and rewards through Drivewise. She married her husband and began working in the family insurance business in 2005. so all i can do is sit n wait for them to email me again.. Our editorial team does not receive direct compensation from our advertisers. Learn how your comment data is processed. Send it back. Im also on Drive wise. LOL. Nothing in the driving records changed at all. Unless you have an excessive amount of hard braking events, its not hurting your score. i expire on the 20th n my new policy kicks in after that so ill know more then. So I have read these posts. end of GARYS stuff. Allstate Drivewise monitors three main aspects of your driving: speed, hard braking and late-night trips. Agreed. Maybe we should all turn them in to the Attorney Generalmaybe that would get Allstates attention and let them know we dont appreciate being scammed!!!! I have used Drivewise for 7 months. I have not seen anything that says what my future savings will be yet, but even if its a little bit, I guess I wont complain, but it is a bit misleading. User IDs and Passwords are case sensitive. Notify me of follow-up comments by email. Extreme braking: Sudden braking may suggest that you're speeding and need to brake abruptly to compensate. I want to go to Geico but I am so paranoid and scared! Im glad to get some details about it. My rep told me you could possibly get up to 30 percent, not that you would. These tracking programs are not required; you have to opt-in and use the dongle or app to track your driving. His is a 2001 Mustang, mine is 2014. that said ill send it back after 6 months, which she said to keep it till then. Yuck! 2023 Smartfinancial.com Ins LLC DBA SmartFinancial Insurance. My drivewise 'rewards' is very low if anything at all and our car rates are going up. So basically working an afternoon or midnight shift screws you. If you are not happy with the device take it out of your cartruck and pay the rates that everyone else pays. Allstate put the burden of proof and getting it so this person would not be added on us, which is ridiculous. But they sent the monitoring device to the incorrect address, it just got returned, and we havent gotten it. As for not being explained how the program actually worked speak to your agent and make them aware you were not explained the program correctly. I would prefer to drive at peace of mind then save few $$$. Yeah, I wanna know who exactly gets 30 percent off. i got an email saying they need more time. Ive never been creeped out by big brother. After all the insurance industry is based on that. US Insurance Agents works hard to provide our users with a fast and simple way to get and compare insurance rates for multiple lines of insurance. Do the Drivewise people read these comments? Not a smart investment. Her full addition would have nearly doubled our auto insurance. Before anyone thinks Im mindlessly attacking someone theres reason I say zero chance. I would suggest before slandering a company or discount program get your facts straight. We update our site regularly, and all content is reviewed by insurance experts. they didnt give my % back though, it was 17 before the events. It was ok years ago then they changed the programming that suddenly created false driving events on all 3 of my vehicles. Im not sure how I would feel about setting up a monitoring device. Now the insurer has to charge every risk a certain premium to achieve this goal. Forget the math; learn to spell brake correctly! At that point I said Im taking this thing off my car, its not worth it and she said shed look further into it and adjust my grading. Its not rocket science. Not worth it to me at all. she also told me the police do not check these things so the whys of braking dont matter to anyone but them n only for the discount. Read More AllState Rewards: An Honest ReviewContinue. We reduce industry jargon so you get the clearest form of information possible. When evaluating rates, please verify directly with your insurance company or agent. They already have. I live in Fl. So what if you only get a 17% discount? Costs will continue to rise through 2022. For this reason, car insurance rates for an Allstate policyholder that participates in Drivewise are not fixed and can vary based on driving behavior. Allstate Drivewise records your driving activity and can use that data in many different ways. Did you read through all the comments? Disclaimer: USInsuranceAgents.com strives to present the most up-to-date and comprehensive information on saving money on insurance possible. The Gold Crap is a completely different program, reward as well. I dont know if Allstate receives just the four pieces of information Kelly mentions, or if they get everything and only consider at those four items. I called the number provided and spoke with an extremely contentious CSR who told me that the device would not work in my new car. Slowing in excess of 10mph in one second is Extreme Braking. I have heard a lot of other companies offering the same type of deal. They fail to recognize that people do everything except drive. Those are not the only factorsEGR (Experience Group Rating), safety ratings on vehicles (pulled through VIN#), PIP (in Michigan) and Bodily Injury (which is what the lawyers sue to the limits~its really Pain and Suffering)risk factors determine the bulk of the rate, though experience driving does count.
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