5 Safety Features That Can Give You A Discount On Your Auto Insurance
5 Safety Features That Can Give You A Discount On Your Auto Insurance
Thanks to high-tech car safety, many of todays cars offer systems that automatically apply the brakes if you’re in danger of crashing to rear-view cameras that let you see obstructions behind your car.
However, most of the newest stuff is too new to get discounts on your car insurance policy. The safety features that usually qualify have been around for a while, like anti-lock brakes. And did you know you could save big on those simple features?
Most car insurance companies don’t offer discounts until safety technology has proven over many years to reduce insurance claims. Here are the safety features most likely to qualify you for a car insurance discount.
Anti-lock brakes
Do you remember years ago being told to “pump the brakes” if the car was skidding because a locked-up wheel is less effective at bringing the car under control than a wheel that is rotating slowly?
Well, in the 1970’s the development of anti-lock braking systems appeared on high end vehicles and now almost every car has them. As of the 2012 model year, the federal government requires automakers to include anti-lock brakes as part of the standard equipment on all passenger vehicles.
Discounts for anti-lock brakes will vary from insurer to insurer. States like Florida, New Jersey and New York require insurers to give a discount for anti-lock brakes.
Air bags
Frontal air bags have been required in all new passenger vehicles since the 1999 model year. Side air bags also are included as standard equipment on almost all cars to meet federal side-protection requirements, according to the Insurance Institute for Highway Safety. Some vehicles feature inflatable safety belts or rear-window curtain air bags to protect passengers in the back seat.
Geico offers up to 25% off for driver-side air bags and up to 40% off for full front-seat air bags. The discount applies to medical payments or personal injury protection coverage. Esurance offers a discount of 2% to 33% on medical payments coverage or personal injury protection, depending on the state and the number of safety features.
Daytime running lights
These comes on automatically when the car starts. They help prevent daytime head-on and front-corner collisions. Automakers began offering daytime running lights in 1995, and now they’re a standard feature on many vehicles. Some insurers will offer a small discount for this.
Electronic stability control
Electronic stability control systems help prevent vehicles from skidding out of control and rolling over when drivers have to steer hard or turn on slippery roads. The technology uses sensors and a computer to monitor how well the vehicle responds to steering and then automatically applies the brakes to keep the car under control. The systems have been required on all cars, SUVs, pickups and minivans since the 2012 model year.
Insurers that offer a discount for electronic stability control typically apply it to collision coverage.
Automatic seat belts
Motorized seat belts, which were often paired with manual lap belts, fastened automatically when the car was started or the door closed. Many automakers installed them to meet a federal requirement for vehicles to have automatic restraints, either motorized seat belts or air bags, from the 1990 model year onward. Air bags eventually replaced motorized seat belts, but many insurers still give the same discount for automatic seat belts as they give for air bags. Your car likely does not have automatic seat belts if it’s a 1998 model year or later.
Thanks to high-tech car safety, many of todays cars offer systems that automatically apply the brakes if you’re in danger of crashing to rear-view cameras that let you see obstructions behind your car.
However, most of the newest stuff is too new to get discounts on your car insurance policy. The safety features that usually qualify have been around for a while, like anti-lock brakes. And did you know you could save big on those simple features?
Most car insurance companies don’t offer discounts until safety technology has proven over many years to reduce insurance claims. Here are the safety features most likely to qualify you for a car insurance discount.
Anti-lock brakes
Do you remember years ago being told to “pump the brakes” if the car was skidding because a locked-up wheel is less effective at bringing the car under control than a wheel that is rotating slowly?
Well, in the 1970’s the development of anti-lock braking systems appeared on high end vehicles and now almost every car has them. As of the 2012 model year, the federal government requires automakers to include anti-lock brakes as part of the standard equipment on all passenger vehicles.
Discounts for anti-lock brakes will vary from insurer to insurer. States like Florida, New Jersey and New York require insurers to give a discount for anti-lock brakes.
Air bags
Frontal air bags have been required in all new passenger vehicles since the 1999 model year. Side air bags also are included as standard equipment on almost all cars to meet federal side-protection requirements, according to the Insurance Institute for Highway Safety. Some vehicles feature inflatable safety belts or rear-window curtain air bags to protect passengers in the back seat.
Geico offers up to 25% off for driver-side air bags and up to 40% off for full front-seat air bags. The discount applies to medical payments or personal injury protection coverage. Esurance offers a discount of 2% to 33% on medical payments coverage or personal injury protection, depending on the state and the number of safety features.
Daytime running lights
These comes on automatically when the car starts. They help prevent daytime head-on and front-corner collisions. Automakers began offering daytime running lights in 1995, and now they’re a standard feature on many vehicles. Some insurers will offer a small discount for this.
Electronic stability control
Electronic stability control systems help prevent vehicles from skidding out of control and rolling over when drivers have to steer hard or turn on slippery roads. The technology uses sensors and a computer to monitor how well the vehicle responds to steering and then automatically applies the brakes to keep the car under control. The systems have been required on all cars, SUVs, pickups and minivans since the 2012 model year.
Insurers that offer a discount for electronic stability control typically apply it to collision coverage.
Automatic seat belts
Motorized seat belts, which were often paired with manual lap belts, fastened automatically when the car was started or the door closed. Many automakers installed them to meet a federal requirement for vehicles to have automatic restraints, either motorized seat belts or air bags, from the 1990 model year onward. Air bags eventually replaced motorized seat belts, but many insurers still give the same discount for automatic seat belts as they give for air bags. Your car likely does not have automatic seat belts if it’s a 1998 model year or later.
Here's How You Do It:
Here's How You Do It:
Step 1
Step 1
Click the link below
Click the link below
Step 2
Step 2
Once you enter your zip code and go through a few questions, you will have the opportunity to check for the best carrier quotes in your area for a savings of up to $536 a year.
Once you enter your zip code and go through a few questions, you will have the opportunity to check for the best carrier quotes in your area for a savings of up to $536 a year.
By Jennifer Bernard – April 21, 2020
By Jennifer Bernard – April 21, 2020
EDITOR'S NOTE
EDITOR'S NOTE
You're NEVER LOCKED into your current policy. If you've already paid your bill, you can still cancel and receive a full refund for days remaining in your cycle.
You're NEVER LOCKED into your current policy. If you've already paid your bill, you can still cancel and receive a full refund for days remaining in your cycle.
© Copyright autoalliancehub.com 2020 | Privacy Policy | Terms & Conditions | Contact Us
© Copyright autoalliancehub.com 2020 | Privacy Policy | Terms & Conditions | Contact Us
Here is a link to a survey which demonstrates the importance of comparing rates and how applying this "rule", in any state city or zip code, can help seniors save 32% and $368 per year. A second survey which analyzed car insurance quotes for 1,000 zip codes across the U.S. found that within a given zip code, rates vary by 154% on average, allowing seniors to find an average of 32% and $368 per year in savings.
Here is a link to a survey which demonstrates the importance of comparing rates and how applying this "rule", in any state city or zip code, can help seniors save 32% and $368 per year. A second survey which analyzed car insurance quotes for 1,000 zip codes across the U.S. found that within a given zip code, rates vary by 154% on average, allowing seniors to find an average of 32% and $368 per year in savings.
http://www.bankrate.com/finance/insurance/car-insurance-why-do-people-switch.aspx
http://www.bankrate.com/finance/insurance/car-insurance-why-do-people-switch.aspx
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This website is not associated in any way with Facebook. Facebook is a registered trademark of Facebook, Inc.
Our content is supported by advertising partners. We may receive compensation for actions you take on websites that you click through to. Our goal is to provide you with valuable information that you can potentially leverage to make informed decisions, however nothing we post should be considered financial advice. Always do your own research.
Our content is supported by advertising partners. We may receive compensation for actions you take on websites that you click through to. Our goal is to provide you with valuable information that you can potentially leverage to make informed decisions, however nothing we post should be considered financial advice. Always do your own research.
Quick Money Savings Tip For Safe Drivers
Quick Money Savings Tip For Safe Drivers