7 Safety Features That Lower Car Insurance

Posted September 24, 2013 | Filed under topic Auto Insurance Buying Tips

Why is it Important?

Safety features on a car are not only important to safe driving, but they can also help to reduce your car insurance premium. That’s right. There are safety features that lower car insurance rates. Insurance companies offer significant discounts on insurance of those cars that have specific safety features. Newer cars already have this built into the car before it is sold, so no special installation is required. This is partly the reason why newer cars are preferred by auto insurance companies.

These new cars have a lot of safety features that keep you safe. This is for a number of reasons. First of all, car parts are not as likely to break down. They also tend to cost less in the case of an accident, as they tend to hold up stronger upon impact. The safety features of a car can help to prevent accidents, and prevents accidents in the case of an accident occurring.

Safety Features That Lower Car Insurance

There are a lot of safety features that lower auto insurance premiums. Some safety features can reduce your insurance rate quite a bit. These safety features can vary greatly, from safe driving to protection of the driver.

Multiple Airbags

If you have more than one airbag in your car, then you qualify for a discount from most insurance companies. This does not mean having solely the one airbag in the front that keeps you from flying out of the windshield. This means airbags in the back, or wherever else airbags are placed. These extra airbags definitely lower your insurance rate.

ABS

Another one of the many safety features that lower car insurance is ABS. ABS stands for anti-lock brake system. This must be factory-installed. The reason for this is that it ensures that brakes are installed properly. Factory-installed brake systems play a part in lowering insurance rates.

Daytime Running Lights

Having lights that turn on as soon as you turn the key on is yet another safety feature that insurance companies tend to give discounts for. This is because they increase vision through fogginess, rain, and even sun. They are a great help to decrease your insurance premium. Keep in mind that it is not sufficient to simply run your headlights all day long. You must have lights that are set up to turn on as soon as you cut the vehicle on.

Tire Pressure Monitoring Systems

This safety feature monitors when your tires get low. Low tires are a big cause of vehicle defection-related accidents. Tires that are either over-inflated or under-inflated can cause serious accidents. Accidents, of course, lead to expenses in the insurance company. The more expenses an insurance company has to pay, the more you have to pay them.

Lane Departure Warning Systems

Lane departure warning systems monitors the speed and distance of other vehicles when you are attempting to change lanes. This can greatly reduce the risk of accidents caused by unaware drivers that are in the process of changing lanes. This is yet another one of the safety features that lower car insurance.

Emergency Response Systems

Although all emergency response systems are different and work in different ways, insurance companies reward you for them all the same. Some emergency response systems may turn off the fuel if it senses an accident, while others may alert an emergency center when an accident is detected.

Automatic Seat Belts

Several people get in their cars and take off. They often forget to put on their seat belt. Those cars that have automatic seat belts automatically put themselves around you as soon as the key is on and the door is shut. Many cars have these already installed. They protect those drivers who allow putting on their seat belt slip their mind. Insurance companies tend to offer a great discount for those cars that have automatic seat belts.

Talk With Your Insurance Company

When trying to get discounts for you car insurance, talking is key. Tell them what safety features your car has, and see if they offer a discount for your safety features. All insurance companies offer discounts for safety features. Ask your insurance company which ones they have. You may be surprised about how many safety features you have!