Although all features are not standard on all cars, there are some that have become more prevalent than others. Now, there is another consideration when choosing certain safety features. There are some safety features that may reduce the cost of your car insurance.
Not all insurance companies will offer discounts on some of the newer safety technologies, but there are some that will discount for things like:
- Adaptive cruise control, which monitors traffic conditions and adjust speed by controlling the throttle and brakes to keep the car a safe distance from the vehicle in front of it.
- Lane departure warning systems, which use cameras to track the car’s position and alert the driver if the car drifts out of the lane.
- Collision avoidance systems, which employ sensors to detect developing conditions that may lead to a collision, and take actions to protect the driver and passengers.
While some of these features are still not considered mature enough for most insurance companies, some older safety features will still get you discounts.
- Anti-lock brakes, which keep the car from getting into an uncontrolled skid. Discounts for anti-lock brakes vary but can range from 5, to 10 percent.
- Air bags, which have been required in all new passenger vehicles since 1999 can still get you significant discounts. It generally depends on the number of bags but discounts can go anywhere from 25, to 40 percent in some cases.
- Daytime running lights, which come on automatically when the car starts and can help prevent daytime head-on and front-corner collisions can also get you a small discount.
- Automatic seat belts. These motorized belts fasten automatically when the door is closed or when the car starts. There may be some discounts available for this.
There are other discounts that may be available to you. Check with your insurance agent and find out if you are entitled to some insurance saving based on the safety equipment on your car.