How Drivewise® by Allstate® Can Help Lower Your Auto Insurance Premiums

Car insurance is one of those necessary expenses that can sometimes feel like a financial burden, especially when premiums rise. However, Allstate® has introduced a great way for responsible drivers to take control of their premiums and potentially save money — it’s called Drivewise®.

This is how Drivewise® can help you save on your car insurance…

What is Drivewise?

Drivewise is an application (app) designed for your car and offered by Allstate®. It tracks your driving habits, and rewards you with discounts based on how safely you drive. Instead of basing your premium solely on generalized factors like your age, driving history, and vehicle type, Drivewise® gives you an opportunity to earn discounts by proving you’re a safe driver in real-time.

Using a smartphone app, Drivewise® monitors your driving behaviors, such as:

• speed
• braking patterns
• times of day you’re on the road

The goal of the app is to promote safer driving habits and to allow you to reduce your insurance costs based on your actual driving performance rather than just statistical risk factors.

How Does Drivewise® Work?

When you sign up for Drivewise®, the first thing you’ll do is download the Allstate® mobile app, where you’ll find the Drivewise® feature. The app will then track your driving using your smartphone’s GPS and accelerometer (an instrument used for measuring acceleration) to analyze your driving habits.

Here are the key behaviors Drivewise® monitors:

• Speeding: Drivewise® checks if you’re staying within the speed limits, especially on highways.
  • Consistently driving at safe speeds can positively impact your score.
• Hard braking: Frequent hard braking can indicate distracted or aggressive driving.
  • By braking smoothly and steadily, you improve your Drivewise® score.
• Time of day driving: Nighttime driving (between 11 p.m. and 4 a.m.) is generally riskier.
  • Limiting your driving during these hours can also help your score.
• Mileage: Drivewise tracks how much you drive.
  • The less time you spend on the road, the lower your risk of accidents, which can turn into better discounts.

The app provides real-time feedback after each trip, so you can monitor your driving behaviors and work on improving your habits to maximize savings.

How Much Can You Save with Drivewise®?

One of the most appealing aspects of Drivewise® is its potential for savings. New Drivewise® users are often eligible for an initial discount just for signing up, typically around 10% to 15% of their premium. However, the real savings come after Allstate® analyzes your driving data.

If you consistently drive safely according to what is tracked by Drivewise®, you could save up to 40% on your car insurance. That’s a significant discount, especially for drivers who may not have previously qualified for lower premiums due to other factors, such as being a younger driver or living in a higher-risk area.

It’s important to note that Drivewise® does not increase your premiums if you drive poorly; instead, the program is all about rewards. Which means that while safe driving can lead to discounts, unsafe driving won’t result in penalties or higher rates.

Additional Benefits of Drivewise®:

Along with the potential savings, Drivewise® offers other advantages…

• Safer Driving: By receiving real-time feedback, you will become more aware of your driving habits and can adjust them accordingly.
  • This can make you a safer driver, reducing your chances of accidents.
• Trip Reports: Drivewise® provides detailed reports about each trip.
  • This can help you understand where you can improve and shows you how much you’re saving.
• Crash Detection: The Drivewise® app also features crash detection technology.
  • If you’re involved in a serious accident, the app can detect it and notify emergency services, ensuring you that help is on the way when you need it most.

Is Drivewise® Right for You?

Drivewise is a great option for drivers who want to save on their car insurance and are confident in how they drive. If you typically drive at safe speeds, avoid late-night driving, and avoid harsh braking, Drivewise® can help you earn significant discounts.

The program is especially beneficial for those who may not have had the best luck with traditional types of insurance pricing. Younger drivers, for example, often face high premiums due to age-based risk factors, but with Drivewise®, they have the chance to prove they are safe on the road and then earn discounts that might otherwise be unavailable.

Getting started with Drivewise® is simple…

If you’re an Allstate® customer, all you need to do is download the Allstate® mobile app, enroll in the Drivewise® program, and start driving. From there, the app will take care of the rest, by tracking your trips and providing feedback.

Even if you’re not an Allstate® customer yet, Drivewise® is worth considering if you’re looking for ways to save on car insurance. You can contact an Allstate® agent to learn more about switching, and how Drivewise® could lower your premiums.

Drivewise® by Allstate® is an innovative way to take control of your car insurance costs by rewarding you for safe driving. You’ll enjoy…

• potential savings of up to 40%
• crash detection
• trip feedback
• help to staying safe on the road

At Whitcomb Insurance we appreciate the opportunity to sit down with our clients, and we would be happy to sit down with you, to answer any questions you might have, whether it’s about Long-Term Care, auto, homeowners, small business or life insurance. You can count on us to be totally honest and upfront with you!

Along with great insurance options, we also offer Financial Services. You can count on us to be totally honest and upfront with you!

Contact us or give us a call at 425-391-8731.