Not all drivers, and not all car insurance premiums, are created equal. Driving is a learned skill and some drivers are naturally more skillful, or safer, than others.
Car insurance companies like Progressive Direct focus on facts and statistics to identify safe drivers who earn the right to a lower premium. We assess how likely you are to make an insurance claim during your time with us to determine the appropriate price.
Car insurance premium assessments consider some basic factors:
Essentially, if you’re in a densely populated area or driving when there are more cars on the road, you’re more likely to have an accident. If you’re younger, or have less driving experience, we know there is higher risk of scrapes and bumps.
The other factor that significantly influences driver safety is your personality type. This is much harder to measure. Do you tend to be a risk taker? If you live an adventurous life, quite often that can make you more likely to take risks while driving. Are you more likely to be early to a meeting or happy to risk being a bit late? Do you fill the petrol tank when it’s a quarter full or more, or do you run it down to the last few drops before conceding to a stop at the petrol station?
Drivers are also driven to distraction by the smartphone; a significant threat to driver and road safety. Texting while driving is incredibly dangerous. The National Safety Council in the US estimates that when you text and drive, you are six times more at risk of being in an accident than being drunk. Furthermore, almost 25% of accidents in the US relate to using a mobile phone while driving. We don’t have equivalent statistics in Australia, but police are actively targeting mobile phone usage in cars due to the rising usage and threat to safety.
So, what can you do about it? Here are five things you can do to be a safer driver and potentially reduce your insurance premium:
If you can be safer when you drive, you’ll save money on your car insurance premium, and most importantly you could prevent serious injury or save lives.
Want more tips? Speak to a Progressive Direct consultant today for further advice on how to improve your car insurance premium.