1. Distance - whether you drive more or less than average
This gives a great sense of how much driving you do. The less you drive, the less chance there is for you to be involved in an accident. Improve your distance score by not driving if you can avoid it, by car-pooling and by using alternative methods of transport.
2. Driving style - how smoothly you drive
Your driving style is determined by how smoothly you accelerate, brake and corner. Smooth driving is generally associated with people who are alert while on the road and aware of the cars around them and who keep a safe following distance. Improve your smoothness score by avoiding distractions while you're behind the wheel, by keeping a safe following distance and by not using your phone while you drive.
3. Time of day - whether you drive during the day, at night or during peak hours
It's safest to be on the road when visibility is good and when the roads are not congested. Improve your time of day score by avoiding night driving and rush hour where possible.
4. Speed - whether you adhere to the speed limits
We all know speed kills. The faster you are travelling, the less time you have to react if something unforeseen happens. Also, accidents at higher speeds are generally far worse and more likely to be fatal. Improve your speed score by sticking to the speed limit and ensuring that you're travelling at a safe speed.
5. Cellphone Usage - how often you use your phone while driving
Making or receiving phone calls while driving can distract you from what is happening around you. Even calls made over Bluetooth have a significant impact on your ability to stay focused on the road. As much as possible, try to not make any calls or operate your phone in any way while driving. This will keep your attention on the road and you will be more prepared for any sudden change in conditions.