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Allstate employees test drive usage-based car insurance
By Insure.com staff

Allstate insurance agency owners and employees nationwide will have an opportunity to test Drive Wise, the carrier's usage-based insurance product.

The program already is available to consumers in Arizona, Illinois and Ohio and will be rolled out in additional states this year. The testing effort by agency owners and employees will give the company more data to help identify safer driving habits, which then can be tied to discounts on car insurance.

Previous internal data showed dramatic changes in employee driving behavior, the company said. Three quarters of drivers scored in the ideal "safe zone" over the course of the testing period, compared to just 25 percent at the beginning.

"Our early experience with Drive Wise indicates telematics technology has the potential to save lives, reduce injuries and save millions of dollars in property damage each year," Bob Otis, senior vice president of Allstate's auto product operations, said in a press statement.

He said additional testing will help the company create a better product while encouraging employees and owners to improve their own driving habits.

To participate in the Drive Wise program, users plug a small, wireless device into the diagnostic port of their cars. The device records their driving behavior and sends the data to the insurance company. Rates don't go up based on driving scores, but drivers with the safest driving scores and lowest mileage can earn car insurance discounts up to 30 percent.

Other insurance companies, including State Farm, Esurance and Progressive, also have launched usage-based insurance products in various parts of the country.
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