Reduce Your Driving Insurance By Defensive Driving

A defensive driving strategy is one of the simplest ways to save money on your driving insurance cost. These days many drivers on the road are driving in an aggressive fashion and trying to get from A to B in the quickest time possible with no regard for other motorists, the conscientious drivers amongst us have to adopt defensive driving tactics to help protect our cars and our no claims bonus. Defensive driving is exactly what it sounds like, driving in a defensive manner on the road in order to reduce the risk of being involved in an accident.

Lower your speed

One of the first methods of achieving cheaper driving insurance via defensive driving is to follow the rules of the road. By driving to the speed limits or even below them if the conditions of the road/weather conditions are poor you can reduce the risk of accident. It is a proven fact that accidents are more likely to occur if a motorist is driving aggressively in poor conditions.

Obey the driving rules

Observe general rules of the road such as not overtaking on corners, hills or solid white lines. By driving in a defensive manner and following these rules we are not putting ourselves at risk of having an accident and therefore increased car insurance costs.

Position yourself when driving

Take up a dominant road position when driving, this involves making sure that when appropriate you take up position in the center of your traffic lane. Although this method sounds relatively aggressive it is classed as a defensive method as it defends us from motorists such as motorcyclists passing us in positions that could not only endanger themselves but also us.

Be Patient

Being a patient driver can also help us reduce our driving insurance using defensive driving. By taking our time when in traffic, we can reduce our risk of having an accident, don't push out of junctions or change lanes excessively when stuck in traffic. Leave enough room for those drivers who do adopt the more aggressive driving tactics and you can avoid needless minor accidents.

Always be Alert

When approaching busy junctions always take great care to slow down and watch for other motorists who may not be traveling in a conscientious fashion. Always expect the unexpected such as cars turning without signaling or motorists exiting round-a-bouts from the wrong lanes.

Stay Clear of the driver in front - When traveling on the roads be sure to leave enough room between yourself and the car in front. A good general rule is the 'two second rule' which involves exactly that, leaving a two second gap between your car and the one in front. This is important on all roads but especially when traveling at greater speeds on motorways when a seconds extra reaction time could be the difference between avoiding a braking car and an accident.

Stay Concentrated

The final thing which we can do is make sure that we concentrate on the road at all times. Turn down the radio, make sure we don't drive tired, avoid use of Sat Nav equipment in the incorrect fashion and plug our mobiles into hands free units before setting off or even better switch off when driving.

This is some of the ways which can help you stay safer on road, and reduce your driving insurance at the same time.