Compare Drivewise by Allstate to Snapshot by Progressive
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If you’re a good driver who likes the idea of getting auto insurance discounts based on safe driving habits and low mileage, you might want to consider usage-based insurance programs or carriers. They use ‘telematics’ technology – tracking your driving behavior with an app or mobile device that plugs into your car’s diagnostic port – to offer discounts and rewards, or to create an insurance rate. personalized.
But these programs can vary in how they work. While a telematics rewards program might offer you a discount off your regular fare, a usage-based policy will create a fare based on the quality of your drive.
Two of the early versions, Allstate’s Drivewise and Progressive’s Snapshot, differ in this way, so you’ll need to compare programs to determine which, if any, is right for you:
Drivewise vs Snapshot
” MORE: How to save on auto insurance
How Allstate’s Drivewise Works
Drivewise works like a rewards program: the safer you drive, the more free stuff you earn. The program is free and available to anyone, even those with a different insurer, but Allstate customers who sign up can take advantage of additional discounts on their policies for good driving habits. In addition, enrollment in the program does not involve any risk of premium increases.
Once you install the Allstate mobile app, Drivewise will automatically begin monitoring your driving. The app runs in the background of your phone as long as:
- Geolocation services are activated.
- The phone is charged at least 25%.
- Your movement exceeds 20 mph.
The app then provides information about your past journeys and habits, such as how fast you drive or how hard you brake. The app can even help you remember where you parked your car, or allow you to call for roadside assistance. And while phone activity isn’t used to determine your savings or rewards, the app can alert you to unsafe phone use while driving.
It’s important to note that unlike the device, the app is not tied to any specific vehicle, so if you are a passenger while someone else is driving, the app will always record the ride. But all trips can be easily deleted from the app and will not count towards your overall travel record.
Drivewise rewards safe driving with:
- Cash back. If you are a current Allstate customer, you can get up to 10% of your premium back after signing up. You can also earn up to 25% every six months if you maintain safe driving habits.
- Allstate Reward Points. These points can be redeemed for gift cards, sweepstakes, travel offers and more through Allstate’s free rewards program. New users get 10,000 points for their registration. Safe driving challenges are also offered, such as going three days without hard braking, and completing a challenge can earn more points.
To be considered a “safe driver” you must:
- Keep driving speeds below 80 mph.
- Avoid driving late at night.
- Avoid hard braking.
If you’re interested, be sure to check with Allstate to see if Drivewise is available in your state, as it’s not available everywhere. Savings may also vary state to state, including New York City, where Allstate Rewards are not available.
Other telematics rewards and discount programs
How the Progressive Snapshot Works
Snapshot is usage-based insurance, which means what you pay is determined by the number of kilometers driven as well as your driving habits. Progressive offers a 30-day Snapshot trial, after which you can see an insurance quote based on your driving habits.
When a Progressive customer signs up for Snapshot, an initial discount (typically around $ 26) is applied for a policy period. After that, the new insurance rate is based on the driving data which has been tracked through the Snapshot app or plug-in.
Using Snapshot usage-based pricing means your fare could go up if your driving is considered risky – the company says about 2 in 10 drivers get a higher fare. However, Progressive says drivers who take advantage of discounts receive an average of $ 145 in savings per year.
Snapshot follows driving in two different ways:
- Mobile app. The Snapshot app uses your phone’s GPS to determine how fast and how far you are driving, and how hard you brake. It also keeps track of how often you use your phone while driving. If there are multiple drivers on your policy, each driver will need to install the app on their phone and keep it for the first policy period.
- Plug-in device. You can have the Snapshot plug-in device sent to you and plug it into your car’s diagnostic port to track your driving habits. If you brake hard, the device beeps.
Snapshot requires regular data collection from your mobile app or plug-in device to mitigate program fraud attempts. If the app is deleted or suspended for an extended period of time, you will be prompted to reinstall the app or switch to a plug-in device. If Progressive determines that there is not enough data collected from the plug-in device, you may be removed from the Snapshot program and see an increase in the rate.
Discounts are earned by:
- Avoid sudden braking and acceleration.
- Limit night driving between 12 p.m. and 4 a.m.
- Drive less kilometers.
- Do not use your phone while driving (mobile application only).
Snapshot availability and program details vary by state, and enrollment discount is not available in Alaska, California, Hawaii, North Carolina, or New York. In some states, you are only able to sign up for Snapshot when you first purchase a progressive policy. While you will have the option to opt out of the program once you have started, you will forfeit any associated discounts and your rate may increase.
Other usage-based auto insurance companies and programs
” MORE: Compare auto insurance rates
Before you start
Before signing up for a usage-based insurance program, read the terms and conditions carefully. Keep in mind that you might not get the maximum advertised discount no matter how safe you try to drive.
And be mindful of how your privacy information is tracked and used. For example, Snapshot and many others track your location. While the information is not used to create your rate, it can be used to purchase your policy.