Can your driving habits lower your insurance cost?

Can your driving habits lower your insurance cost? – Yes they can, but only if your insurer is tracking how you actually drive. Most traditional car insurance providers still use outdated risk models, judging you on broad categories like age or postcode. But your driving style plays a huge role in how risky you really are on the road.

Lowering your insurance costs

Traditional insurers don’t reward safe driving

Under most insurance policies, you can drive perfectly for a full year and never make a claim — and your premium might still go up. That’s because traditional insurers rarely look at your driving behaviour. Instead, they focus on claims statistics from people who seem similar to you on paper.

So even if you’re a safe and consistent driver, you could still be lumped in with riskier drivers who share your age or live in your area. It’s frustrating — and unfair.

Driving behaviour that makes a difference

Modern insurers like Rooster are changing the game by basing quotes on your real driving data. Safe drivers can benefit by showing:

Smooth acceleration and braking
Consistent speeds
No harsh cornering
Avoidance of phone use while driving
Driving during safer times of day

These habits reduce your risk of accidents — and if your insurer tracks them, you could be rewarded with lower costs.

Rooster rewards real-world driving

So how can your driving habits lower your insurance cost the most? With Rooster! With Rooster, your driving habits actually matter. After a free 3-week test drive using your phone’s sensors, we create a safe-driving profile based on how you drive — not your job title or credit score. That profile is then used to offer you a personalised quote that could be significantly cheaper than a traditional insurer’s.

So if you’re a good driver, it’s time your insurance reflected that. Download Rooster today.