Telematics Program Drive Wise Helps Drivers Save

The use of telematics devices are becoming more and more prevalent with the insurance companies. Allstate, for example has a program called Drive Wise, which resembles Progressive’s Snapshot program in many ways. I was launched late into 2010 for Illinois drivers.

What exactly is it? It’s a program that allows drivers to save by volunteering driving information that better helps Allstate assess riskiness. It is completely optional and by no means a requirement. However, if you’re a safe driver, what do you have to lose?

According to Allstate, drivers could save up to 30 percent on their premiums, therefore making it very worthwhile to give the program a shot. It is there to give back to policyholders who exhibit proper driving behaviors.

How does it work?

Essentially, those Allstate customers that enroll in the program are sent a telematics device that they plug into their car. According to Allstate’s website, it will track a variety of driving statistics. Things like how many miles a driver puts on the car, as well as the times of day that a driver uses the car. Other factors can include abrupt braking, and maximum speed levels.

Allstate says, “No GPS data is collected. The device tracks only those factors used to calculate a performance rating.”

Many drivers out there are conscientious and deserve to get rewarded for having responsible driving habits. This program gives them that chance. Customers will get a 10% discount on their current premiums just for enrolling. However, as driving data is collected, the amount of the discount can fluctuate.

A concern many drivers have is that their rates will go up if the driving data collected is considered unfavorable. Allstate reassures policyholders that rates won’t go up based on the information gathered from this device. So, rest assured that premiums won’t skyrocket if the Drive Wise experience doesn’t  go according to plan.

It is also a good idea to keep up with the minimum levels of coverage required by your state. To learn more about your state’s requirements, click here.

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