Difference Between Progressive Snapshot and Allstate Drivewise (With Table)

Progressive Snapshot and Allstate Drivewise are both types of car insurance apps. These apps deal with car insurance and their rate management. They are usage-based insurance providers with reduced rates for drivers having a better record at driving as examined by the app through GPS tracking and AI data.

Progressive Snapshot vs Allstate Drivewise

The difference between Progressive Snapshot and Allstate Drivewise is that the rates of insurances for their users are adjusted in two very different methods by the two individual apps. Progressive Snapshot provides insurance discounts while Allstate Drivewise users are awarded cash back for good driving.

Progressive Snapshot is a car insurance provider that provides its users with reduced insurance prices by means of discounts provided to them as a reward for their safe driving. The measures of safe driving are as stated by the app, and if followed, one gets discounted rates on their car insurance.

Allstate Drivewise is another car insurance provider that provides its users with reduced insurance prices by means of cashback provided to them as a reward for their safe driving. The measures of safe driving are also stated by the app, and if followed, one gets cashback on the amount paid for their car insurance.

Comparison Table Between Progressive Snapshot and Allstate Drivewise

Parameters of ComparisonProgressive SnapshotAllstate Drivewise
AboutProgressive Snapshot is a user-based car insurance provider.Allstate Drivewise is also a user-based car insurance provider.
Launched InProgressive Snapshot was launched in 2008.Allstate Drivewise was launched in 2010.
UserProgressive Snapshot users have to be insurance members of the company.Any new or existing member can use Allstate Drivewise.
RewardProgressive Snapshot provides its users with discounts.Allstate Drivewise provides its users with cashback.
PremiumThe insurance premium of Progress Allstate is less.The insurance premium of Allstate Drivewise is more.

What is Progressive Snapshot?

Progressive Cooperation is an American insurance company and one of the best insurance companies in the market. It stands third in collecting insurance and is the number one car insurance company in the United States of America. Snapshot is a car insurance device introduced by the company Progressive.

Initially launched in 2008, Snapshot was a plug-in device connected to the car itself that tracked the movements of the car. In 2015 however, the device was introduced as a mobile app that could be connected to the car with the help of local networks like Bluetooth. The app version is a very popular one among users today.

What Snapshot does is that it tracks the driving habits of the user, and this makes reports on it. According to the app, the mileage of the user’s car, sudden and frequent brake or acceleration etc., are considered as bad driving. If a user, however, avoids sudden movements and drives regularly, then with the help of these data, the user is provided with discounted rates for their insurance premium to be paid to Progressive for their car.

As stated in their manual, up to 130 dollars can be reduced from their original premium for good driving. Being on the phone while driving is also considered a bad driving habit by Snapshot.

What is Allstate Drivewise?

Allstate Cooperation is another insurance provider in the United States of America. It is an American company and is well known for its car insurance. It was classified as the fourth largest insurance collector in America by the National Commission of Insurance Commissioners (NAIC). Drivewise is their car insurance app.

Initially launched in 2010, Allstate was a plug-in device much like Snapshot. However, in the year, 2014 Allstate released its free mobile app for tracking the data of the users driving habits with the help of GPS tracking and other AI technologies just like Progressive Snapshot.

Its work is very similar to Snapshot. It tracks the driving habits of the user and makes reports on them. According to the app, the speed of driving according to area wise speed limits, sudden acceleration or braking or even late-night driving is considered as bad driving habits and hence is said to be avoided. And if done so effectively, the user is awarded cashback on their premium paid to the company for their car insurance.

It is said that when properly followed, up to 25% savings can be done with Drivewise. Also, discounts are provided the first time you sign up for a new user of their app or insurance company.

Main Differences Between Progressive Snapshot and Allstate Drivewise

  1. Progressive Snapshot was launched before Allstate Drivewise. However, the mobile app version of these devices was first launched by Allstate.
  2. Progressive Snapshot provides its rewards to users who are already existing customers with Progressive, while any new user can download the app of Allstate Drivewise.
  3. Progressive Snapshot considers high mileage as a bad driving habit while Allstate Drivewise does not.
  4. Progressive Snapshot does not consider talking on the phone while driving as a criterion for driving while Allstate Drivewise does.
  5. Progressive Snapshot does not provide any initial sign up discounts to their new users, but Allstate Drivewise does.

Conclusion

Both the app launched by Progressive and Allstate ultimately reduce the price paid by the user for their car insurance. Each app, however, has its definition and criteria for availing rewards, and this must be kept in mind before choosing any of them.

Usually, some users have daily high mileage as a part of their work, and thus for them, Drivewise can be a better option; however, if discounted rates of insurance are what you are looking for, then Snapshot is the right choice for you. Sudden movements by the car must be avoided while using both the app as much as possible. Also, due to their difference in cashback and discount, many users choose what is convenient to them.

References

  1. https://canada.jdpower.com/system/files/legacy/assets/InfluenceofTelematics%2520JDPower%2520Insights.pdf
  2. https://www.casact.org/sites/default/files/old/affiliates_sccac_1211_harbage.pdf
  3. https://link.springer.com/chapter/10.1007/978-3-319-45145-9_13
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