Rewarding good drivers is an encouragement to keep being careful on the roads. Also, it would not be fair if they had to pay the same as high risk motorists who keep causing accidents. When one year ends without any claim or traffic ticket a client is given some discounts. If it reaches 5 years, one is likely to get up to 50 percent discount which is great premium cut.
This is a level where you prove to your insurer that you are a careful driver who honors the law of the land. Purchasing a vehicle which is not prone to accidents is yet another way of cutting premium. There are several cars which are known in causing accidents and causing a lot of damages plus injuries. Getting such a vehicle is quite a risk when it comes to paying insurance cover.