2. Be a Better Driver
Now we know this sounds pretentious and not all accidents you’ll have will be at fault of yourself, but you can actively have an impact on your car insurance price if you drive well. Blackbox policies can monitor your driving and reward those who drive carefully. Actively keeping a distance from other drivers, keeping to the speed limit, and generally driving cautiously will put you at an advantage.
These black boxes are officially called telematics which check your speed, how aggressive you accelerate and brake, how cautiously you drive, and also whether you are on the road at dangerous times such as early in the morning.
Obviously, there can be a gain or cost to this. For young drivers, the use of this is a big win since insurance prices are staggeringly high for those who start driving. For those of you who have earnt your no claims and have a relatively low insurance already, you could be at risk of increasing your insurance if you’re both in an accident that you should avoid reporting (e.g. you hit the car into a wall and there’s little damage, any recording of the event could penalise you and inflate your insurance costs) or if it thinks you drive unsafe and erratically.
But with some insurers offering an upfront discount if you take the telematics policy, it’s certainly something to consider if you’re driving a car that’s in a high insurance category.