Michele R.

I was with Allstate for several years but changed to geico. My old agent at Allstate contacted me over and over when my geico policy was expiring. He told me about Allstates DriveWise program. After calling me and discussing it AT LEAST four times, maybe even five, I was told every time the rate was $61 for 500 miles, and when I reached 500 miles I would've billed an additional $61. I don't drive much so I agreed.
When I accepted, I was told it's $64, NOT $61 but no big deal, it's just a couple dollars. BUT. When I got to 170 miles, I received a text stating my card would debited if I drove another 23 miles, I believe it was. So I called my agent.
He informed me then that because I had told him I drive about 5,000 miles a year he adjusted my mileage down to 420 miles per billing cycle. (I bet it costs the same for 500 miles but hey, they can bill me $64 that much sooner) Even so, 170 miles is still far off from 420 miles so why am I being debited if I've only driven approximately 220 miles so far?
His explanation was that ADDITIONALLY there's a daily cost and average cost per mile charge. The $64 (not $61) is the base rate and they deducted $1 per day from the $64, AND there's a charge per mile which is also deducted from the $64 which eats up the $64 quickly.
I reminded him that we had many lengthy conversations we about the cost being $61 for 500 miles and why didn't he explain the additional fees on ANY of the phone calls prior to signing me up.
I was greatly offended when he advised me that he doesn't like to "confuse his customers with the second and third layer of their DriveWise program." (his exact words)
REALLY?! HOW DISHONEST IS THAT?! Because that totally benefits him and NOT ME. So I won't be saving anything by switching to DriveWise if I drive more than 220 miles per cycle. I could likely be paying more for insurance.
What a jerk for thinking his customers aren't intellectual enough to understand the program so he doesn't bother to give the full disclosure of actual costs and deductions.
When he quoted my homeowners insurance he also had me way over insured in a particular area based on my condominium master policy, and tried to explain it away as "that's just rates." It wasn't until I asked him to go over it line by line that I found the particular over insured area and had him adjust it correctly which saved me over $100.
Seems like disclosure is difficult for this agent and I've lost all respect for him.
When I have time I'll be switching insurance, ALL OF IT, and I'll be telling anyone who will listen that my agent believes his customers are too dumb to understand their program and 420 miles per cycle is REALLY 220.
I'm super angry about my agents dishonest presentation of the program and his assumption that I couldn't possibly understand the program if he had bothered with the details.
BYE RAMONE-BYE ALLSTATE