Allstate Auto Insurance Reviews

Let me explain drivewise to you in the terms that no one tells you. Yeah you're gonna save 10%. Literally. That is all. Let me explain why. You get the 10% for signing up. Here's what they don't tell you. You plug it in, it monitors your usage. But it is not designed to monitor your actual driving skill. They base their evaluation (I know because I read the terms and conditions, which you can't read until after you sign up), on the times of day you drive. For example I was getting dinged for driving to work every day. You know why? Because I work midnights. So basically anything after 10pm is considered high risk. Same with high traffic times like when pretty much everyone drives say from 7am to 11am and also from 4pm to 7pm. So you're screwed there. Apparently it was my fault for having a midnight job...they don't care (I know because I called and complained). Also they charge you for hard braking. But nevermind that I wasn't about to hit a car, but a kid or an animal that ran out in front of me. Doesn't matter. Even if you hard brake because someone cut you off, if you drop off more than 13km in a certain amount of time you lose percent. Also you lose if you drive too much. So my gf works out of town, so she gets charged because she drives too far. It also stipulates that you have to drive your car, so you can't not drive or leave it in your driveway, you will also lose points. You can't go over 125km/h ever. That means if you are driving through Cambridge or Toronto where people go 140 at least, you'll be in the slow lane for the next 6 months. And last but not least, their site is inaccessible to log in after your period is finished. This means you cannot see your final percentage, or your overall progress. They send you an email 2 weeks after you've completed it, only to give you an average of your percentage estimate...that means it's not the actual number of percent you're going to save on renewal. Once I started driving and logged in at my 3 month review, I noticed that my percentage had dropped almost 10% even though I was a perfect driver. No hard braking, no accidents, no speeding. Yet I lost points. So I told my gf screw it, I'm just going to drive like an idiot, and when I logged in again in another month it went up 2.5%. I don't even know how any of it is explainable. This system is a joke, but if you want advice from a real driver, sign up, drive like you normally do, because at least you save 10% in the end. But do not change the way you drive. It does not make a goddamn difference. You're welcome. I wish this review was here when I signed up, because literally no one had any of this information. I hope you all drive safe, that is how you feel safe. Not how a computer tells you.