Allstate has become the second insurance company after Progressive to offer "usage based" auto coverage in New York State, which monitors drivers' behavior behind the wheel for possible rate discounts.

Under the program, called "Drive Wise," a device is installed in vehicles to measure mileage, braking, speed and time of day when a customer is driving.

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Upon signing up for the device, Allstate customers automatically receive a 10 percent enrollment discount. After the first six months, the enrollment discount is replaced with a performance discount based on the driving habits demonstrated.

Allstate says about two-thirds of Drive Wise customers so far have earned a performance discount — averaging almost 14 percent per vehicle. Allstate says it won't raise rates based on the driving behavior recorded but might reduce rates by as much as 30 percent.