> ... your insurance has gone up, because we found that drivers in your neighbourhood ... That's what happens now. This would be "your insurance has gone up be

> ... your insurance has gone up, because we found that drivers in your neighbourhood ... That's what happens now. This would be "your insurance has gone up because you are more likely to have an accident. If you drive more carefully you can get a discount." It's actually a thing already here in the UK. Many insurers let you get a black box and if it shows that you drive carefully you get a discount on your premium.