Most insurance companies are interested in insuring motorists who have very competent driving skills. A person who has been driving for many years, or even just one year with no accident record and very few roadside incidents is a preferred candidate for breakdown insurance. Drivers who improve their competency and drive well for a long time can bargain for cheaper rates. Motorists with poor driving skills will likely experience an accident or other roadside incident. This is a high risk on insurance companies and they would rather insure a more experienced driver.