When you take the time to take care, it can be frustrating to know that you are being charged as though you are just one of the crowd. Wait, you didn’t know? Most car insurance companies charge a standard premium based on a their composite consumer risk profile, offering no discounts to drivers who go out of their way to avoid risky situations.

It’s incredibly frustrating to be a safe motorist and still watch your premiums go up year after year. No speeding tickets and no accidents due to smart, defensive driving, no break-ins due to smart parking, and what is the final reward from most Australian insurance companies? It’s an ever-increasing premium assessment for their regular one-size-fits-all car insurance.

Premium assessment for this kind of insurance cover doesn’t accurately reflect the real risk profile being insured. Without taking the time to differentiate between risky and careful vehicle usage habits, it is almost inevitable that companies are giving safe drivers a bad deal. Careful drivers deserve discounts!

There are a few car insurance companies who do differentiate between driving behaviours. They do this by utilizing a more inquisitive quotation process when they first offer coverage. It’s a sharp change from the limited research undertaken by other companies, but it’s based on reason.

The more an insurance company knows about your personal driving habits, the more likely it is to offer an appropriately priced premium for the level of risk it is assuming by issuing coverage. Letting your insurance company know about the ways you manage your car insurance risk on your own during the quoting process should result in lower rates. They’ll know exactly what kind of driver you really are compared to the crowd, and price your insurance cover accordingly.

After all, if you park safely in covered, secure areas, why should you be charged for premium as though you park in the street? If you have an alarm system, shouldn’t you get credit for that? And of course, if you’ve been certified as a defensive driver, it really ought to be worth something, right?

It’s a pity that only a few insurance companies care about these kinds of things when they consider pricing their car insurance cover. This is especially alarming when you consider that the technology exists to be using more appropriately assessed risk profiles when insurers make premium offers. A quote with a more accurate risk-assessment system can be completed online in just minutes not hours.

As someone who has dedicated time, money, and effort to being careful with their car and on the road, don’t you deserve to have a premium that rewards you for being yourself? You should be groaning every time you get a new letter from the insurance company because you know they’re hitting you up for an increase again. You should be getting the insurance premium that you truly deserve, based on the way that you go about being smarter about the way you drive, park, and live.