AllState Insurance DriveWise Program Anyone Use It?

[TurkeyRookie]

So we switched to AllState insurance a month ago, and they called with an opportunity to lower our rates.

They will decrease our rates by 5% if we enter the "DriveWise" program. If at the end of the program (6 months) we exhibit good driving patterns, our rates can go down as much as 30%

If at the end of it, there is no justification to lower rates, they would never increase based on the data, we just go back to where we are.

Have a few weeks to device, there is no GPS in the unit, so it does not track location.

It tracks

Time of day, Distance, Hard Breaking (slamming), and speeds excess of 125km.

So she said if you're doing 120 in a 40, we have no way of knowing that, it doesn't count against you, do 125 or over, then it records you went over that speed and counts against you.

I have been known to burry the needle well past the 125 mark when passing long lines of semi trucks, but other then that, 120 is usually the max (when travelling major highways posted at 100

Anyone else use this device? any feedback? suggestions?

[trimmer21]

This is just me,TR,but I wouldn't trust an insurance company if Jesus himself had his arm over their shoulders. You need to ask yourself this. If they weren't using it to ascertain "risk" to underwrite a policy and establish a rating schedule,why would they bother?

[TPM]

http://www.oodmag.com/community/show...nce-Smart-Ride

[CptSydor]

An insurance companies job is to make money based on statistics that work in their favour. Just like a casino. And just like a casino they don't set up the odds to lose. If you truly think you are better than the average driver and not just better, but better enough to over come the house advantage, go for it. Something like this probably favours the top 25% of drivers, but don't forget, 85% of drivers think they are better than average.

[gooseman]

I think a lot of people are afraid of the "big brother " senerio. I signed up for this a few weeks back, I have nothing to hide or lose. I know I am not the best driver but far from the worst. Minimal I save is $300 per yr and can go up from that. Why not. All vehicles have a black box so to speak, so if your involved in a major accident its looked at anyways. I would imagine in a couple yrs everyone will have to put one of these in you vehicle if you want insurance. Why should I have to pay higher insurance than the next guy when he has claims galore and drives insane. Insurance should be based on the drivers risks.

[TurkeyRookie]

Good points Gooseman. And everyone else thanks for the input.

[pmannat]

I fear its another frog in a pot of water scenario. They offer savings to entice buy in. When enough sign up they push for legislation and make it mandatory for all with no savings for good driving and penalties for "bad".

[gooseman]

I fear its another frog in a pot of water scenario. They offer savings to entice buy in. When enough sign up they push for legislation and make it mandatory for all with no savings for good driving and penalties for "bad".

And they should penalize the BAD, why should I have to pay for them? So if I am cheaper than the bad driver then I consider that a discount. Same as with the young kids, I have a son that paid $3000 a yr to drive my truck and a daughter that pays $1000 WHY? Let them prove themselves then charge accordingly to the way they drive.

[pmannat]

I agree. I just dont see how by merely tracking my speed and position proves whether I'm a good driver or not.
My commute consists of mainly 80km roads where everyone travels 90-95 km/h. I've never had an accident. The near misses i have had or accidents i have witnessed are all to often the "curtious " drivers that ignore right of way to wave each other ahead at stops etc. Good driving is about following the law, being aware, driving predictably so as to avoid confusion. Not how fast i accelerate or the rated speed ( within reason) . Not condoning speeding, just that following the speed of traffic is safer than fighting it.

[last5oh_302]

So what's the verdict TR? Gonna try it?