If you are looking for ways to lower your auto insurance rates, one of your best options is to look into the safety features and anti-theft devices that are installed on your vehicle. Most insurance companies do offer discounts on their insurance premiums for safety features such as anti-lock brakes and air bags. Anti-theft devices can also save your money. Some of these features may have been installed as standard features on your vehicle. Others you may need to add as an extra option or invest in after market products. Either way, safety features and anti-theft devices are solid investments. Not only can they save you money on your auto insurance, they also keep you safe and help prevent your vehicle from being stolen.
Here are some of the major car safety features and anti-theft devices that can help save you money on your auto insurance.
The cause of approximately twenty five percent of U.S. passenger vehicle deaths is side impact crashes. Side air bags can significantly reduce this risk. When purchasing a new or used vehicle, one of the most important safety features you should look for is their rating for side-impact protection. Choose a rating of good or higher. Vehicles with air bags can help lower the personal injury or medical payments part of your insurance premium by as much as forty percent.
Another very important safety feature that can help to lower your insurance costs is anti-lock brakes. Many insurance providers offer discounts for anti-lock brake systems (ABS). Anti-lock brake systems prevent the wheels on your vehicle from locking up and also maintains directional control when you are in a situation that requires you to brake quickly, such as driving on wet, icy or snowy roads. Many cars do come equipped with anti-lock brakes as a standard feature. However, on some models they may be an extra option you need to pay extra for. If you are not sure whether or not your vehicle has anti-lock brakes, turn the ignition on and check the instrument panel. There should be a yellow indicator light flashing.
Electronic Stability Control
This safety feature helps to prevent loss of control, spin-outs and sideways skidding through an electronic system comprised of a microcomputer and sensors. Collision losses on vehicles equipped with this technology are lower than those without it. This is another safety feature that many auto insurance companies provide a discount for.
Daytime Running Lights
Studies have shown that having daytime running lights on a vehicle significantly increases safety. Although they do assist drivers in being able to see ahead further, their biggest benefit is increasing visibility of the vehicle for other drivers and pedestrians.
Vehicle Response Systems
There are different types of emergency response systems such as unlocking doors after an airbag has been deployed, turning off the fuel, or other alerts that could be triggered if the system senses there as been an accident or or other dangerous situation. Emergency response systems are designed to help keep drivers and passengers safe and some also immediately seek help following an accident.
There are various types of anti-theft systems that can not only help protect your vehicle, but also result in a lower insurance premium. They range from alarm systems, column steering devices, ignition deactivation devices as well as auto recovery systems. Check with your insurance agent to find out which anti-theft systems can save you the most money on your auto insurance premium.
This procedure etches the VIN number for your vehicle into the window glass so that thieves cannot alter the vehicle identification number.
Stolen Vehicle Recovery System
LoJack and other types of vehicle recovery system assist police offers with finding your vehicle after is has been stolen.
In order to take full advantage of any discounts you may be eligible for on your auto insurance rates, make a list of all safety features and anti-theft systems or devices that your vehicle has. Consult the owner’s manual that came with your car to make sure you don’t miss any, and make note of any additional features you have installed. Discuss these with your insurance agent and make sure that all discounts are taken into account to insure the lowest possible auto insurance rate. Also, be sure to ask your insurance agent if there are any safety features or anti-theft devices that are eligible for discounts that are missing from your vehicle. It may be worth it to invest in these devices. Although you may need to pay some money upfront, it could save you money in the long term on your auto insurance rates in addition to helping keep you and your vehicle safer.