Overall, the best way to lower your premiums is to prove you are a safe driver.
You can now get telematics car insurance where the insurance company would be able to track your driving performance giving you a chance to prove to them that you are a safe driver. This works by having a small device installed in your car (or an app downloaded on your phone) that tracks your acceleration, braking and cornering. The device then uses this data to give you a score. If you’re driving well, the insurance company may offer a discount to you.