We have Allstate insurance and installed the Allstate app on our phones. Our experience has been very good.
Allstate does not increase your rate for "violations", it only decreases it for "safe driving". What are violations? Speed greater than 80 MPH, sudden braking, and driving at higher risks times of the day. It also detects phone use while driving, but it doesn't count as a violation. We can go into the app and edit a completed trip to fix some possible scenarios: 1) I was a passenger, not a driver; 2) on a train, boat, airplane, etc. and not driving. Our discount has been significant compared to previous insurers. It's made us much more aware of how we're driving, and even if we didn't get a discount, that alone is a big benefit. We were initially concerned that the app would be a data hog, but that hasn't materialized.
Why are so many people afraid that a bunch of computers know where they go and how they drive? It's not info that's readily accessible by humans, and even if it was, who cares? I have nothing to hide about where and when I go. I think some people don't understand how the data collection systems work, and they're therefore afraid because the systems are mysterious and unknown.
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