Allstate Drivewise Review: Pros, Cons, & Alternatives (2024)

Welcome to our Allstate Drivewise review. We’ll provide you with valuable insights and information about this innovative program. We’ll discuss features, benefits, and user experiences. Explore how the program tracks driving behavior, monitors mileage, and offers potential savings on insurance premiums, as part of the Allstate Drivewise car insurance discount.

Our Allstate insurance review finds the provider aims to meet customers’ varied insurance needs. We aim to help you make an informed decision about participating in Allstate Drivewise and reaping its benefits.

To find the best insurance rates and providers, simply enter your ZIP code and compare rates. Take control of your insurance journey today and enjoy the advantages of Allstate Drivewise.

What You Should Know About Allstate

Our Allstate Drivewise review finds that the Allstate Drivewise car insurance discount program is a great way to save money on car insurance premiums if you are a safe driver. This program is the ultimate safe driver car insurance discount, as it’s easy to use, and it can help you improve your driving habits by providing customized feedback on your driving habits.

In addition to the Allstate Drivewise car insurance discount program, Allstate offers other car insurance discounts you can qualify for if you meet certain criteria.

Allstate Drivewise Overview

Drivewise from Allstate uses telematics to evaluate your driving. Allstate touches on Drivewise’s main points in this overview:

A small plugin device and the app monitors your driving habits. The device plugs into your car’s dash, and the app remains running in the background on your phone, once you use your Allstate login to turn it on.

The Allstate Drivewise car insurance discount covers several different driving behaviors, including:

• Speeding: If you drive at a safe and reasonable speed, you could earn rewards for your safe driving behavior.
• Hard Braking: If you avoid hard braking and come to a stop smoothly, you could earn rewards for your safe driving behavior.
• Late-Night Driving: If you avoid driving late at night, you could earn rewards for your safe driving behavior.
• Mileage: If you drive less than the average driver, you could earn rewards for your safe driving behavior.

It is entirely up to you whether or not Drivewise really decreases your car insurance rates. Better driving equals more savings. 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.

According to the Insurance Information Institute, one of the main advantages of telematics is that it provides immediate feedback, causing you to adjust your driving habits quickly. The downsides are that since it uses a telematics program, your privacy is up for grabs and the app is always running on your phone.

Read more: Telecommuting Car Insurance: A Complete Guide

Allstate Drivewise records your driving activity and can use that data in many different ways. Although the company says it doesn’t sell your data, it can be used in accident investigations. Because the Drivewise app keeps running in the background on your phone, battery life and data usage on your mobile devices can be affected.

However, there are advantages to having the Allstate app on your phone. With your Allstate insurance login, you can access your account with your insurance ID cards and even make payments. You can also use the app to file and track your Allstate claims.

Who Is Eligible for Allstate Drivewise

The Allstate Drivewise discount is available to customers who enroll in the Drivewise program and meet certain eligibility requirements. The program is designed for safe and responsible drivers who want to save money on their car insurance premiums by driving safely.

To be eligible for the Drivewise discount, you must first enroll in the program. This is done by installing a small device in your vehicle or using the Allstate mobile app, which tracks your driving behavior and provides you with feedback on your driving habits.

To be eligible for the discount, you need to consistently exhibit safe driving behaviors over a certain duration. This entails actions such as refraining from abrupt braking, smoothly accelerating, and adhering to the prescribed speed limits. By demonstrating responsible driving practices, you have the opportunity to receive a discount of up to 40% on your car insurance premiums through Allstate Drivewise.

It’s also worth noting that the Drivewise program is not available in Alaska or California, and the eligibility requirements may vary depending on where you live. For example, some states may require a minimum number of miles driven per year, while others may have different requirements for the type of vehicle you drive.

Overall, the Allstate Drivewise discount is a great way for safe drivers to save money on their car insurance premiums. By enrolling in the program and driving responsibly, you can earn discounts and enjoy greater peace of mind on the road.

Allstate Insurance Coverage Options

Allstate is a leading insurance provider known for its diverse range of coverage options designed to meet the unique needs of policyholders. Offering comprehensive insurance solutions, Allstate ensures customers have the flexibility to customize their policies according to individual requirements.

From basic liability coverage to specialized protection plans, Allstate’s array of options aims to provide peace of mind and financial security to its customers.

Allstate Car Insurance Coverages

Whether it’s ensuring protection against common risks on the road or offering specialized coverage for unique assets, Allstate aims to deliver comprehensive and customizable insurance solutions, backed by its commitment to customer satisfaction and security.

Read more: Best Car Insurance for Liability Insurance

Allstate Insurance Rates Breakdown

Understanding insurance rates is crucial when considering an insurance policy. Insurance companies, including Allstate, assess various factors to determine the cost of coverage. These factors range from individual demographics to driving records and even the type of vehicle insured.

Knowing what influences insurance rates can help individuals make informed decisions when selecting coverage that best fits their needs and budget.

• Age and Gender: Younger drivers, especially teenagers, typically face higher insurance rates due to their perceived higher risk of accidents. Gender can also play a role, although some states prohibit using gender as a rating factor. Allstate ranks No. 4 for its Drivewise program when it comes to the best auto insurance for students.
• Driving Record: A clean driving record with no accidents or traffic violations often leads to lower insurance premiums. On the other hand, a history of accidents, speeding tickets, or DUI convictions can significantly increase rates.
• Vehicle Type: The make and model of the insured vehicle, its age, safety features, repair costs, and theft rates can impact insurance rates. Luxury cars or those with high repair costs might result in higher premiums.
• Location: Where the insured resides can affect rates due to factors like traffic congestion, crime rates, and weather patterns. Urban areas often have higher rates compared to rural areas.
• Coverage and Deductibles: The level of coverage chosen, along with the deductible amount, directly influences insurance rates. Higher coverage limits and lower deductibles often result in higher premiums.

There’s one more factor, although it doesn’t affect all individuals. Drivers in California, Hawaii, Massachusetts, and Michigan don’t have to worry about having their credit history be a factor. But in the other states, insurers use credit-based insurance scores to asses the likelihood of a policyholder filing a claim. Better credit scores may lead to lower premiums.

Allstate Drivewise pros and cons result from a multifaceted calculation of insurance rates. Influenced by personal factors, vehicle specifics, and location, Allstate, like other insurers, considers a wide range of criteria to determine premiums. This process aims to accurately assess the level of risk associated with insuring a particular individual or asset.

By understanding the elements that impact insurance rates, individuals can proactively manage factors within their control to potentially lower premiums while ensuring they have the coverage necessary for financial security and protection.

Read more: How does the insurance company determine my premium?

Allstate Discounts Available

In addition to Drivewise, Allstate offer a range of discounts designed to help policyholders reduce their insurance costs. These discounts encompass various aspects, from safe driving incentives to vehicle-based savings and loyalty rewards. Understanding the available discounts can significantly impact the affordability of insurance while ensuring adequate coverage.

Allstate Car Insurance Discounts

By exploring and taking advantage of these discounts, individuals can potentially lower their insurance premiums without compromising on the quality or extent of coverage, enhancing their financial security while benefiting from valuable insurance protection.

See more details on what car insurance discounts Allstate offers.

How Allstate Ranks Among Providers

Allstate faces formidable rivals that vie for market share and customer loyalty. Drivewise is just one of several usage-based programs car insurance companies use to reward drivers who receive a good driving score:

Usage-Based Car Insurance Programs by Provider & Savings Amount

These competitors encompass a range of insurance providers, each with its unique strengths, services, and strategies.  Understanding the landscape of Allstate’s key competitors provides insight into the diverse options available to consumers seeking insurance solutions.

• Geico (Government Employees Insurance Company): Renowned for its direct-to-consumer business model and humorous advertising campaigns, Geico offers competitive rates and a wide range of insurance products, posing a significant competition to Allstate, particularly in the auto insurance sector. See our Allstate Drivewise vs. Geico DriveEasy comparison.
• Nationwide: This company offers various insurance products, including auto, home, and life insurance, competing with Allstate by emphasizing customer service and offering customizable coverage options. Find out who wins in our Allstate Drivewise vs. Nationwide SmartRide comparison.
• Progressive: Recognized for its innovative approach to auto insurance and usage-based programs like Snapshot, Progressive competes with Allstate by offering various coverage options, discounts, and technological advancements to attract customers. Check out our article, Allstate Drivewise vs. Progressive Snapshot: Which Service Is the Best.
• State Farm: Known for its extensive network of agents and variety of insurance offerings, State Farm is one of the largest insurance companies in the U.S. It provides auto, home, life, and other insurance products, competing closely with Allstate in various market segments. See our Allstate Drivewise vs. State Farm Drive Safe and Save review.
• USAA (United Services Automobile Association): Though primarily serving military members and their families, USAA is highly regarded for its customer satisfaction and competitive rates in the insurance industry, particularly in auto and property insurance. Allstate comes out the winner in our Allstate Drivewise vs. USAA SafePilot comparison.

These competitors continuously innovate, offering a variety of insurance products, emphasizing customer service, and leveraging technological advancements to attract and retain customers.

As the insurance landscape evolves, the competition between these companies remains robust, driving advancements and improvements in services and offerings to meet the diverse needs of consumers seeking insurance coverage.

Allstate Drivewise Effortless Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Allstate Drivewise offers a convenient and user-friendly claims process, allowing policyholders to file claims through multiple channels. Whether it’s through their intuitive online platform, over the phone with their dedicated customer service team, or using their mobile app, policyholders can easily initiate the claims process, making it hassle-free and accessible.

Average Claim Processing Time

One of the significant factors contributing to Allstate Drivewise’s positive reputation is its efficient claim processing time. Policyholders often experience prompt and streamlined claims handling, ensuring that their issues are resolved swiftly. This quick turnaround time reflects Allstate Drivewise’s commitment to providing excellent service to its customers.

Read more: How long does it typically take for Allstate to process a car insurance claim?

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts with Allstate Drivewise has been overwhelmingly positive. Policyholders have expressed satisfaction with the fair and transparent claim settlements. The program’s commitment to rewarding safe driving extends to its claims process, ensuring that customers receive the support they need promptly and without complications.

Unveiling Digital and Technological Features of Allstate Drivewise

Mobile App Features and Functionality

Allstate Drivewise’s mobile app stands out with its robust features and user-friendly interface. Policyholders can easily monitor their driving habits, track their rewards, and access essential policy information, all from the convenience of their smartphones.

The app provides real-time data, empowering users to make informed decisions about their driving behaviors and potential savings.

Online Account Management Capabilities

Allstate Drivewise offers comprehensive online account management capabilities, allowing policyholders to have complete control over their insurance policies. Through the online portal, users can view policy details, manage payments, and access important documents. The intuitive interface makes it easy for customers to navigate and update their information, ensuring a seamless online experience.

Read more: How can I pay my Allstate insurance premium?

Digital Tools and Resources

In addition to the mobile app and online portal, Allstate Drivewise provides policyholders with a range of digital tools and resources. These resources include educational materials on safe driving practices, tips for maximizing savings, and FAQs to address common queries.

By offering these digital resources, Allstate Drivewise empowers its customers with the knowledge and tools needed to make the most out of the program.

If Allstate Drivewise Is Worth It

Drivewise is worth it for drivers who don’t put a lot of mileage on their cars, don’t speed, and don’t drive during peak times. There are very few cons to signing up for Drivewise. The program is free, your rates won’t increase for bad driving, and just using the program can make you a safer driver. However, it’s important to note that there have been some Allstate Drivewise complaints reported to the BBB.

If you aren’t sold on Drivewise, some other alternatives would be Geico DriveEasy or Progressive Snapshot , but there are many car insurance companies out there that offer telematics programs. It’s important to know how to get the most from Progressive’s Snapshot discount before signing up for it.

If you have Geico, you should learn more about their usage-based insurance by reading our Geico DriveEasy Review, which delves into the details of the Geico DriveEasy car insurance discount program. Allstate Drivewise car insurance quotes, like all usage-based programs, can’t be estimated because they are based on feedback from your driving habits.

Allstate is one of the best insurance companies out there and the feedback reflects it. Reviews for Drivewise are generally good, with most users reporting savings on their auto policy.

You might be able to get affordable Allstate Drivewise auto insurance, but you won’t know the price until after the monitoring process while running the program. Enter your ZIP code now to compare free car insurance quotes to save even without a usage-based program.