Allstate Drivewise tracks your driving through an app or plug-in device connected to your car’s diagnostic port. At the moment, new customers can only sign up through the app. If you are using the Allstate Drivewise app, your phone must be turned on and connected to the GPS service to use Drivewise. Let’s get into the details of what it tracks and how it works.
What does Allstate Drivewise track?
Allstate Drivewise monitors three main aspects of your driving: speed, hard braking, and night driving.
- Speed: The app considers anything above 130 km/h unsafe, so your discount goes down if you drive faster. However, the app does not track your speed relative to the speed zone. So Allstate won’t penalize you for driving 40 mph in a 30 mph zone.
- Braking hard: Stopping short may reduce your discount. Everyone needs to slam on the brakes from time to time, but doing it regularly could mean you’re driving too aggressively.
- Driving at night: The Drivewise app considers any trip between 11 p.m. and 4 a.m. during the week or from 11 p.m. to 5 a.m. on weekends as overnight trips. While you may be a great driver, other people on the road in this day and age may not be, and that increases the risk of an accident.
Your speed and braking are largely under your control, but it can be difficult to control the time you drive when commuting at night. But since Allstate Drivewise doesn’t increase your rate, it doesn’t hurt to try the program and see if you get a discount.
Allstate Drivewise also tracks phone activity. This feature lets drivers know when and how often they use their phone behind the wheel. It is intended to create awareness and encourage safer driving and will not affect the Drivewise discount.
How Does Allstate Drivewise Know You’re Driving?
Allstate Drivewise uses your phone’s GPS location service. As long as your phone is turned on and you’ve allowed physical activity and exact location permissions for the app, it will start logging a trip when a vehicle travels at least 15 mph for a minute.
You can delete trips in the app
Since the app automatically tracks your trips, it can track a trip when you are a passenger or when you travel on public transport. To solve this problem, Drivewise allows you to edit your trip history and delete trips. This means you can also delete certain rides to maintain a better ride score. However, there may be a limit to the number of rides you can delete in a given time frame, so keep that in mind.
Drivewise crash detection
Allstate also offers an optional and free crash detection service within the Drivewise program. With this service, the app will send you a notification if it detects your vehicle colliding with another object at a speed of 25 mph or more. From the notification you can:
- Call 911
- Request roadside assistance
- Start a claim
- Refuse help or say it was a false alarm
Using Drivewise with a family policy
You can use Drivewise with multiple people on an Allstate family auto insurance policy. However, each driver must complete their own set of 50 trips to receive a discount. You get a partial discount if only some of the drivers on the policy have completed 50 recorded trips.
Allstate offers another usage-based program called Milewise. This is a car insurance program where you pay per mile and charge a daily rate plus a mileage rate. If you don’t drive often, Milewise can save you a lot of money. However, it is only available in 21 states.