In my experience, most of the time when a customer isnt happy with the result, its due to bad explanations by agents. I think the rep did a poor job in explaining this to you. I think its weird that our premiums went up too. he said other people say that too n complain alot, thats why braking is coming off. Thats what drives me the most crazy about these big companies. i was told to wait 5 days, which i did. If you park a vehicle with a battery this small and leave the module plugged in, it would take over a year for it to deplete the battery, if nothing else is going on. Although the app monitors your trips and locations, the information used to evaluate driving performance can be viewed by you, your Allstate agent, and the customer service representative who helps review your Drivewise program. Slippery conditions, no matter the speed, allow drive wheels to easily spin or lock up, causing hard braking events when there was absolutely nothing hard about them. None-the-less, youre saving 17%. I have 2 cars and dont mind having it give whatever more discount is available. The only thing I ever get dinged for is hard brakes and not driving at the A+ time. later you go in the house, turn on your computer, sign in to drive wise. %PDF-1.5 I have 9 hard braking incidents in 6 months and got 30%. They already have. 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. If you go down to 15 percent at the end of the first 6 months your 15 percent plus the 10 percent adds up to 25 percent discount for the second 6 months IF you keep drivewise. i think it would be rude to remove it n still have drivewise finding out all this crap % discount Ill take the damn thing out and drive the way I want to drive not finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. I got screwed royally by Drivewise. I've been with Allstate 18 years, time to change companies, they suck. A lot of people who posted are not aware that Allstate can use the time and date if the event to help determine fault if you have an accident. Q : Ho w will the information from the phone handling feature be used? Allstate has the highest rates among the auto insurance companies we reviewed. Dont even get me started on the 7% one. They cut in front of you so you must brake. Now this new 6 month period it started at 10% and is still at 10%. I kee pa safe distance between me and the drivers, keep near the limit, and follow defensive driver techniques . Non-Allstate customers can sign up for Drivewise and qualify for certain rewards. I read your post about your 11% discount and just got my renewal with that same 11% figure after being in the program for 6 months. I am truly grateful to the holder of this website who has shared this enormous piece of writing at here. Alan. This is a common misconception. This is a trend that I first saw with our familys health insurance. This Drivewise program is such a scam. And its weird to me that your premiums went up just before doing this, that feels more scammy to me than the drivewise thing! I am an Allstate insurance agent and I can tell you that to start off for the drivewise discount is only 15% for the first 6 months. But not every state agreed to allow its use. Unfortunately my husband works afternoons for a police dept. And to add, the only way that you can receive a 30% discount with the Drivewise program is if you park your car in the driveway/garage and DONT drive. I know this sounds terribly cynical, but in case you havent figured it out, these devices are: I believe they sensitize the app so that they do not have to payout what they promise. Thank you! California Consumer Financial Privacy Notice. I think a lot of people might have reacted this same way. 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. Same goes for cell phone records if you were talking or texting at the time of the accident. No one at DriveWise customer service can give a straight answer even to an agent in their own company! Quality content is the key to be a focus for the viewers to I live on a steep hill and have to go through 3 stop signs. Stop right therelisten, what if its you or someone you love in that ambulance? Coverage.com may not offer insurance coverage in all states or scenarios. Sorry law enforcement is not a 9-5 job. This data collection may be a way to help put a divide on age discrimination with premiums from an actual data standpoint, rather than a risk assessment based on previous cases. Bankrates editorial team writes on behalf of YOU the reader. Homeowners with Allstate is a one year policy. I just think they shouldnt say you will save 30 percent if the only way to do so is to not drive at all. This means you are SPEEDING, creating a high risk situation. Milewise is best for people who drive less than 10,000 miles annually. There is a marginal increase due to BI rates, and sometimes due to comp/coll changes. Have You Heard of Pay-Per-Mile Car Insurance? Some vehicles already have automatic parallel parking and emergency braking. so all i can do is sit n wait for them to email me again.. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. We live in a smallish town so traffic permitting, we are also going to try running stop signs and red lights. But Drivewise can help any safe driver get a discount on their car insurance regardless of mileage. Allstate offers a feature on its website to view your estimated percent savings for miles driven between 1,000 and 10,000. These two premiums could differ in price by $1,000. Go Citys Las Vegas All-Inclusive Pass Review 2023: Should You Buy It? We are still working on getting your Drive Wise information corrected. Just go about living life as though everyone else had telescopes and loved watching only you. Your percent is at the top of your sign in page. They now use the app on your phone to tell what time of day that you drive, when you hard brake, and when you go over 80 mph. Per-mile rate: $0.06. Not sure where all of you may live but our state has some of the highest rates nationally. Get personalized driving insights, feedback, crash detection & many other great features. When I first heard about that programI was thinking I would never use it because they might bump up my rate! Specifically, Allstate will have information for the following: Timestamps for when your trip starts and ends, Latitude and longitude locations for when where your trip starts and ends, Certain braking occurrences (e.g., slowing down 10 or more miles per hour over a 1 second time interval), Certain accelerating occurrences (e.g., increasing vehicle speed to greater than 8 mph per second), Speeding occurrences vehicle exceeds 80 miles per hour, Reasons for trip termination (e.g., low battery, app closed). Sorry that happened to you. Someone who never drives, maybe? All Rights Reserved. So if I just forget to put the thing on, what then happens? Because of the scope of market rates that exists for a driver of your basic profile and location. The device is extremely faulty and they know it. with DriveWise based on driving performance. 3 0 obj She is the co-founder of Club Thrifty, co-author of the book Zero Down Your Debt, and is recognized as one of the top credit card experts in the field. Before you buy Allstate Drivewise auto insurance, shop around to make sure you are getting the best deal on your insurance premiums. Pretty sure the posted speed limit is 5, so. Interesting that they raised your premiums and then offered a discount. We value your trust. It really just sounds like your agent misled you. this whole thing is still confusing n it seems they have different rules for everyone. Its not rocket science. At the end of the policy period, the data is evaluated in its entirety, and a discount MAY be offered as the Drive Wise Performance Rating discount 0%-30%. So one occurrence is not going to impact you, and is clearly going to be a statistical outlier, something that was probably an external effect such as someone cutting you off. What are index funds and how do they work? I have my renewal policy right here in front of me and it shows right on it drivewise discount included in your premium. It would be a losing business proposition for the insurance carrier as there would be no driver accountability. If you dodge a skateboarder, hit a dog, or a deer, or another vehicle, it can record it. As with anything consumers hear what they want to hear, in your case you heard 30% savings and tuned out the details of program. No, not because Im feeble, timid or senile. I have never had an accident or a claimever!!! Unless you have an excessive amount of hard braking events, its not hurting your score. The agent told me because of my 4 accidents. Winter is almost over, i cant believe more people havnt talked aboutdriving on ice n snow. I just got off the fone with drivewise, they told me they will look into my extreme braking. Your original pre-discount premium might easily be 55% overpriced to begin with. While we adhere to strict Interesting Shari mine started off with only 10% Nope! If you typically drive a safe speed and avoid extreme braking and are considered overall a safe driver, you might end up with cheap Allstate insurance. The device plugs into your vehicles diagnostics port, usually located below your steering wheel. Your base rate and per-mile rate are based on a number of rating factors that might include your driving history, location, age and credit score. Weather the amount is enough to buy a couple ice cream cones or a steak dinner its not affecting your auto premium. Since I routinely return home after 10pm. im at 17% now. I have seen them add trips to my logsome at 2 oclock in the morning!!! I am just curious to what discounts people have received. I beat Tom in brake events,,,LOL. Your agent did not explain the savings well. First off driving at night when there is less traffic on the roads should be a positive nit a negative held against you? If you remove/opt out the 10% of your vehicle premium will be added back into your premium. This was someone we didn't even know, and despite whatever Texas database they pulled the information from this individual did not live with us. Then they remove the ability to get rid of those false reports on their website. I am THINKING of joining because I bought a house a BLOCK away from work, and my 2012 Kia Soul sits in the garage 5 days a week. Speeds over 80 mph. for you if you tend not to mind. So now I will defend myself against you who feels the need to personally attack me for no reason. 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. well i waited 5 days now 7 more. Not only have I been insured by Allstate for the last 12+ years (so longevity means absolutely nothing), but I am an experienced driver (32 years), I havent had any accidents since I first got my license at 16, except 1 break-in and at park n ride (beyond my control) and 2 rear-enders who rear ended me about 10+ years ago (knock on wood), I havent had any moving violations, yet my insurance rates continue to rise ($8 $12 per half). It can also re-flash and update its firmware over-the-air, so it can change its capability at any time. For someone to go on a rant about a product that is actually saving them money is rediculous. I mean, I probably wouldnt have done it to save 5 percent or 10 percent.but 30 percent? If any of you are having your premiums increase as a vehicle gets older, I suggest you find a different insurance co. You might see a small increase in liability, but collision should go down every year, lowering your overall cost for the vehicle. With increasing numbers of vehicles on the roadways, accident reconstruction will depend on recorded data. After doing the whole calling and waiting and them telling me someone would call me back but never did, I tell them to cancel my account because it was obvious they wanted to be charging me $323 per month when I could get a regular full coverage elsewhere for way less. I would shop based on how an agent takes care of you rather than strictly price. However, that is NOT what customers are actually seeing. 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. i cant believe i have a thing hanging in my truck that no one knows what it is or how it works My agent even admitted that yes they charge you more to give you that discount. Was at 17% took it out, and yes went over 80, down to 7%. All rest of insurance companies will follow some variation of this program. Savings can be up to 30 percent off car insurance . The Allstate Drivewise program encourages safe driving by pulling data about driving behavior, including when you drive, how hard you brake and how fast you drive. Drivewise is a program where you can earn up to a 29% reward check. Beitrags-Autor: Beitrag verffentlicht: Juni 4, 2022; Beitrags-Kategorie: contact deborah holland pch; Beitrags-Kommentare: . Im totally pissed. The rewards drivers can earn may also vary according to state laws. Go Peter! I wonder how that will affect auto insurance. You are lucky to have 17%. Horrible experience! im canceling mine this week, had it for almost 5 months. On day one, you drive 10 miles. comments appear like they are coming from brain dead visitors? Has anyone ever asked if the monitoring device is secure and is there a potential for a virus or hacker to be able to mess with electronics of your car? I assume companies always mean up to when they say may. Im not sure why we arent already doing this (though from what you said, we wont get the full discount either) so I will look into it. % went to 14 from 11 so something happened. Let me tell you this: <>/ExtGState<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/Annots[ 20 0 R 21 0 R 22 0 R] /MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> Now when I plugged in the drivewise it started right away at 7% and has never changed. It was kind of a game for us.