Driver app for insurance

Rob_EV wrote: ↑ I ran the tracking app for 6 months and ended up with a permanent 24% discount based on gentle acceleration and braking. I was able to select whether I was a driver or passenger (being a passenger doesn't count towards your score). Not sure how your particular app works?

dasvedania wrote: ↑ How they verify it and give you discount, you could claim you car pool with coworker and dang you get 50% discount or you could claim you are driver while on a bus, most gentle driving ever.

Is your said 24% discount from what the insurer claimed premium or from other insurer's lowest price.

napoleonbot wrote: ↑ I got a quote from all state Insurance company, the rate is lower than my current rate, but has to be on their drive wise app otherwise it is higher than the current insurer, Johnson Johnson

Here is something I don't understand, the app or my phone can never tell if my driving is good or no. the devise and app can only track acceleration and speed ( by extrapolation two GPS points) quite loosely.
But absolutely nothing in road traffic condition can be tracked, I can do certain thing absolutely safe in certain car and situation, while is quite abruptly in another situation. They don't even know I am driving with the phone or power off the phone.

I think it is the sales tactic that they will always later raise my insurance all the way to a higher level, and claiming it is my fault.

Can someone share your experience?

And technically if an APP is actively tracking position and acceleration etc all time, the phone should use more battery and data flow much faster.
after the insurance app installed, do you feel your phone is actually tracking your driving?

dasvedania wrote: ↑ May I ask you your premium and city?
Both CD and robev are real appreciated.

BensonNV wrote: ↑ Did anyone renew their insurance after using the app yet?Did you actually get the discount?

RedFlagAlias wrote: ↑ I did Allstate drive wise app previous policy year for 6 months.
Me and my spouse both got a maximum 30% discount calculated.
When my insurance renewal came in, my insurance rate for 2 drivers and 2 cars dropped from 3000$ to 1900$ (!), but for the latest year I also added a new teenager driver with G2 (still 2 cars), so the price drop is even bigger than expected.

chimaican wrote: ↑ @Zephyr22b @RedFlagAlias

When you two got your renewal papers, did it actually state 28% and 30% discount?

My papers only say 15% enrollment discount despite wife/I completing the six month tracking and scoring 30%/28%.

Our premiums seem to only reflect about 10% discount (different between original 5% app discount and the now stated 15% enrollment discount). Hardly the 30%/28%

RedFlagAlias wrote: ↑ On the rating information page it says "Drivewise 30%".
Actually "Total vehicle premium" for each car is without the discount and then "Premium" field has 30% discount applied.

chimaican wrote: ↑ Thanks. I don't have that printed on my policy. It only reads under Additional Discount and Features Description on the back page: Drivewise Enrollment 15%

I will have to call them.
I also don't have ratings information page on my app. I do have a final screenshot from my drivewise app.

RedFlagAlias wrote: ↑ To clarify - I started to use Drivewise at the start of my insurance Policy year - that is Nov 2020. I completed 6 months using Drivewise at the end of Apr 2021. There was no discount applied to my insurance policy at that time. When I got my renewal papers for Nov 2021 - that is when I saw my discount printed on the Rating information page on the renewal document.