Are you the calm-and-collected type who sticks to the speed limit? Or the adrenaline junkie who treats yellow lights as personal challenges? While there’s no personality test in your insurance quote, the way you drive says a lot about how much risk you bring to the road… And you can be sure that your insurer is paying attention. That includes us.
So, without further hubbub, let’s talk about how your driving behaviour could be influencing your insurance premium… Even if you’re not aware of it.
1. The cautious cruiser
You always wear your seatbelt, never speed, and keep your car well-maintained. You probably take the same route every day and brake gently. Insurers love clients like you because you’re predictable, and predictability = lower risk. Basically, you’re the type most likely to benefit from safe driver discounts or usage-based insurance.
Impact on premium: Lower
Risk factor: Low (keep it going)
Next step: Stick to regular servicing, avoid distracted driving, and keep your driving record clean.
2. The multitasker
You’re juggling your playlist, voice notes, and GPS, all the while navigating traffic. Sound familiar? Distracted driving, even when it feels manageable, is a huge red flag for insurers. Accidents are more likely when your focus is split, which can affect your premium, even if you haven’t claimed yet.
Impact on premium: Moderate to high
Risk factor: Rising (you want your risk going down)
Next step: Put your phone on Do Not Disturb while driving and keep hands-free use to a minimum.
3. The speedster
Fast, focused, and fearless… Until a sudden stop or unexpected pothole ruins your day. While it might feel like you’re in control, frequent speeding or aggressive driving behaviour raises red flags with insurers, especially if it leads to traffic fines or accidents.
Impact on premium: High
Risk factor: High (but it can change)
Next step: Stick to the speed limit and leave enough space between you and the car ahead.
4. The Sunday driver
You drive infrequently, mostly on weekends or for short errands. You may think that low mileage alone will get you a lower premium, and yeah, often it can. But if you rarely drive, insurers may also consider your driving history to be ‘thin,’ which can be seen as a slight risk, especially for younger or older drivers. It speaks to a lack of experience.
Impact on premium: Low to moderate
Risk factor: Low (good behaviour will keep it that way)
Next step: Opt for a usage-based or limited mileage cover if you don’t drive often.
5. The late bloomer or learner
If you’re a new driver or only recently got your licence, you’re statistically more likely to be involved in an accident. And that’s regardless of how careful you are. You see, your premiums are worked out based on a lot of factors, including your experience. So the less experience you’ve had behind the wheel, the bigger your risk factor is.
Impact on premium: Moderate to high
Risk factor: Medium (not bad, not bad)
Next step: Build a claim-free history, drive cautiously, and consider a higher excess to reduce premiums in the short term.
The king has your back
Knowing what kind of driver you are (and being honest about it) can help you choose the right cover and maybe even lower your premium. Drive safe, drive smart, and remember:
At King Price we see the person behind the wheel, not just the policy.
Click here for a commitment-free insurance quote or you can WhatsApp us on 0860 50 50 50
