Did You Know Certain Car Safety Features Can Lower Your Premium?

When shopping for a car, many people look at a variety of features on a vehicle, such as interior and exterior color, make and model, stereo, electronics and other options that will make their drive time more pleasant. However, few consider the effect the safety features can have on lowering their insurance premiums. The next time you go car shopping, look for some of these safety features that protect not only you and your passengers but your wallet as well.

Size and weight. Many potential buyers think bigger is better, but that’s not necessarily so when it comes to cars. Very large vehicles, such as SUVs, often have the potential to roll over and can be less safe than midsize sedans. Make sure to review your vehicle’s safety ratings.

Restraints. Far from the days when only seat belts were offered, today’s vehicles now have more extensive restraint systems. Some of the key elements to look for are locking head restraints, side airbags and lap and shoulder belts with crash tensioners.

Make sure you can reach the pedals without putting yourself too close to the steering wheel. Steering column airbags can cause serious injury if they’re too close.

Daytime lights. More vehicles now feature daytime running lights that allow them to be more visible to all motorists no matter the weather, decreasing the chances of daytime accidents.

Backup cameras. Video systems that allow you to see what is happening behind your vehicle dramatically increase safety by eliminating blind spots. Backup cameras can help prevent collisions and save lives.

Other safety features like warning systems and anti-lock brakes can help reduce the likelihood of a crash and further reduce the likelihood of claims.

Next time you’re in the market for a new vehicle, check with us about potential discounts on premiums based on specific vehicle features. We are just a call or email away.