I’m kind’ve annoyed about something, and I need to get it off my chest. Let me first say that I’ve had Allstate Auto Insurance for at least ten years. When I was rear-ended in a car accident a few years ago, they handled it fairly well. I’ve always been happy with the service I’ve gotten (for the most part), and I haven’t had any serious issues. However, with all that being said, I feel like they made a fairly skeevy move recenty. Let me explain.
The last time my car insurance rates were up for renewal, I noticed that my premiums went up quite a bit compared to the average car insurance rates. So, I called the office to see what my options were. Since I was already thinking about taking the full coverage off of my periwinkle minivan, I went ahead. That move, in itself, saved a ton. And, since I was already on the phone, they also told me about their Drivewise program. In case you don’t know what Allstate Drivewise is, here’s how they explain it on their website:
“Drivewise is a program that gives safe, low mileage drivers the opportunity to earn a discount for driving safely. Drivewise also provides feedback on your driving behavior that may help you reduce your risk of having an accident.”
Basically, they mail you a contraption that connects to the dashboard in your car. It monitors your speed and braking patterns and determines whether you’re a safe driver or not. And, in exchange for participating, my Allstate rep told me that I would save 30 percent….which is A LOT. I mean, I probably wouldn’t have done it to save 5 percent or 10 percent….but 30 percent? Count me in.
So, I hooked the thing up to my car and completely forgot about it. That was, until, I got an email from Allstate explaining that I could track my Drivewise discount on their website. And, that’s when things went downhill….
According to their website, there are three levels of risk within a 24 hour time frame:
- High Risk: 10:00 p.m. to 4:00 a.m.
- Low Risk: 4:00 a.m. to 11:00 a.m.
- Moderate Risk: 11:00 a.m. to 10:00 p.m.
And, although I have never driven during the high risk time zone, I often drive during moderate risk hours. You know, from 11:00 a.m. to 10:00 p.m. when almost everything in my life happens. So, I suppose if I want to save the full 30 percent, I can just avoid driving during the day. Sounds easy, right? Unfortunately, there’s more……
Apparently, I had a braking episode. You can see the alleged incident highlighted in red on the graph. I’m pretty sure the alleged incident took place in the Walmart parking lot, as a matter of fact, and the braking was entirely necessary compared to the alternative of running someone over. However, should I really be penalized for it? I mean, I’ve had Allstate Drivewise for three months now, and I’ve only had one braking incident. What if I slammed the brakes so I didn’t hit another car? Or, maybe a dog ran out in front of me. Who knows? Regardless, I’m not sure how they can count a single braking incident against someone when they have no idea why I was braking. It seems like the “why” part of the equation should matter, doesn’t it? It’s not like I had road rage or anything.
Regardless, although I’m happy to save 17 percent, I feel like the program is somewhat misleading. Maybe I’ll work on not driving from 11:00 a.m. to 10:00 p.m. “Sorry kids….we’re walking to daycare today!” Oh, and next time a dog runs out in front of me, I’ll just run it over.