Does Safe Driving Equal Cheaper Car Insurance?

I like to think that I am a pretty safe, experienced driver and to be honest, I think that I should be rewarded for this. We are all looking for ways to reduce our expenditure, but loads of people I know simnply stick with providers they have instead of spending time researching the best deals available to them.

This just does not make sense to me in the slightest, but in addition to finding the best deal, we can all make a difference, especially on the roads where we all want to stay safe.

Sainsbury's Finance are guest blogging with me today and its all about....


How driving safely can reduce your car insurance premium



You can spend less on fuel, keep your car in better condition and reduce the risk of being involved in an accident if you drive carefully and safely - and it could also mean cheaper car insurance.



Make safety your choice

Many factors that affect the car insurance quote are out of your control, such as age and number of years driving. So it only makes sense to focus on the things within your control that affect your premium. Driving safely - thereby reducing the likelihood of having to make a claim - is one of them.




No claim discount

While being a safe driver won’t guarantee that you’ll avoid accidents, it will certainly make them less likely. For each year of claim-free driving, you will receive a no claim discount from your insurer. So the longer you go without making a claim, the cheaper your insurance should be.




Five areas

When concentrating on safer driving, pay particular attention to the following five areas:

1) Acceleration. Keep it steady, gradually picking up speed.

2) Braking. Make sure it is appropriate for the situation.

3) Cornering. Anticipate well in advance and don’t take corners too fast or wide.

4) Speeding. Always stay within legal limits and reduce your speed accordingly in adverse conditions.

5) Distractions. Safer driving also means staying focused behind the wheel. Using a handheld phone while driving is both dangerous and illegal, so don’t do it. Avoid any unnecessary hands-free calls, too. Similarly, don’t fiddle with the sound system, apply make-up or eat and drink while driving - you’ll risk an accident as well as falling foul of the law.




Enjoy the good life

Safe driving shouldn’t be regarded as ‘boring’ driving. The economic benefits extend beyond your no claim discount - you’ll be saving money on fuel and repairs. You’ll also be making the roads a much safer place for you and your fellow motorists, and you’ll feel much less stressed both during and after your journey!