Automotive

Driver app for insurance

  • Last Updated:
  • Jan 14th, 2022 8:38 am
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Sep 30, 2011
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Driver app for insurance

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?
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Sep 10, 2008
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Kitchener
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?
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Nov 9, 2020
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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?
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.
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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.
Theoretically you could claim you're a driver while on a bus, but buses accelerate and brake too quickly and the app would ding you. I drove a Nissan LEAF on Eco mode (very gentle on the throttle combined with Eco mode is a MUST) and ran a lot of yellow lights in order to be as gentle as possible on the brakes. Got honked at a bunch of times (mostly from accelerating slowly) ;)
My wife ALSO ended up with a 24% discount driving a Hyundai Sonata Hybrid in Eco mode and coasting through a lot of yellow lights. If you are a passenger in someone's car who's driving very gently, you COULD claim you were driving for the ride to be counted (I could claim I was a driver when I was actually a passenger in her car).

I would get the minimum discount now that I'm driving a Model 3...the acceleration is ALWAYS off the scale and even in "chill mode", it's WAY too quick even when you're trying to be gentle.
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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?
I used the drivewise app for 6 months and ended up with 12% discount. I don't agree with the apps functioning but it is what it is. The speeding alert triggers only when driving 125+, so you can drive 60 in 40 zone and there is no alert. I keep getting false braking alerts randomly even on drives where I didn't even need to slow down. Could be drop in signal or communication... 1 consistent braking alert I get is literally 20 mtrs from my driveway - every morning. I don't even go over 20 before coming to stop.

CD.
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Nov 9, 2020
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May I ask you your premium and city?
Both CD and robev are real appreciated.
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Nov 13, 2016
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dasvedania wrote: May I ask you your premium and city?
Both CD and robev are real appreciated.
GTA, $390, 2 cars,, 3 drivers, 1 under 25.
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Feb 24, 2007
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One of my coworkers using a drive app from his own insurance company. He said he can choose which drive/trip is OK to send. And he said his insurance is coming down this year. I guess if that's what the insurance company wants to play then just follow their rules.
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I tried it out before, they basically track whether you speed, whether you accelerate/decelerate hard, and sometimes time of driving depending on company. Insurance companies legally cannot penalize you for poor driving behaviours. These apps/device will be here to stay. For those who are afraid to use this, you will just be paying for the discounts others who uses the device. (i.e. A 20% discount is likely offset by an increase in the base premium.)
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Feb 19, 2010
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YYC
Did anyone renew their insurance after using the app yet?Did you actually get the discount?
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BensonNV wrote: Did anyone renew their insurance after using the app yet?Did you actually get the discount?
When I was shopping for insurance in 2019, the lowest quote I could find was about $200 per month. I used the monitoring app for 6 months and scored 28% discount, which dropped the premium down to about $144 when I renewed in 2020 (you don't get the discount right away. the discount applies at renewal). When I renewed this year for 2021, my insurance premium dropped again and now I'm at $125.

I was actually involved in a collision while using the app. I got rear ended and pushed into the car in front. It triggered the harsh braking penalty lol.

The app I used dinged you based on for braking/acceleration harshness, time-of-day driving (but didn't make a big impact), and speed. The app I used only gave a speed penalty if you exceeded 125kmh.
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Sep 23, 2019
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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.
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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.
I am with Allstate too and enrolled in the Drivewise app. Your post gave me some hope. Thank you
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@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%
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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%
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.
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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.
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.
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Hey guys I have been using the Drivewise app for close to 2 months now but the first discount is still not showing. Is this normal? The app does says discount will show after 30 days of driving!?
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Sep 23, 2019
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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.
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.
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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.
I started my policy last year (Feb 2021), and started the Drivewise app around April and finished in late September because of some screw up with my agent not sending me the activation information. Either way, finished at end of September, wife finished mid October. So now I'm getting my renewal papers now and nothing is applied.
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