Fior Liza Camilo
Some car insurers offer a discount by fitting a special device, known as telematics or a black box, into your car. This device tracks your driving and feeds back data to an insurer to show how well you drive. You’re usually charged a fixed fee to drive a certain amount of miles a year.
Black box insurance policies measure everything from acceleration to cornering, plus the types of roads you drive and the times you drive at. This means your car insurer can get a full impression of your driving habits – and charges you accordingly.
Some black box and telematics insurance policies work by refunding drivers for good behaviour or increasing the premium for those who drive less safely.
Do you accelerate and decelerate gently, slow down for corners and stick to speed limits?
Do you just drive locally, rather than long-distance motorway driving?
Driving at night is more risky. Some insurers offer discounts for daylight-only drivers.
How do car insurers calculate their quotes? Your job title, trade, profession or occupation could be crucial when you get a motor insurance quote. It doesn’t matter whether you use your car for work. What you do for a living gives the insurer a lot of information about you and how you might drive. But it’s not the only factor.Read our full guide
Last updated: 30 March 2021
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There are many factors affecting car insurance that you can’t easily control, such as your age, years of driving experience and where you live. But if you’re serious about saving on your car insurance a few simple steps can save you plenty. How to lower car insurance premiums - 10 car insurance tips: 1. Choose your car carefully Reduce car insurance costs by choosing a car in a lower insurance group. The type of car you drive can make a huge difference to the cost of your car insurance.Read our full guide