Mining your car for auto insurance discounts

Written by Mark Vallet on July 20, 2011 & Posted in Auto Insurance

If you are driving a brand new or a late model car, your vehicle might be a treasure chest of car insurance discounts. Insurance companies offer discounts because modern safety features can reduce the chance of a crash and minimize accident damage. According to the New York State Insurance Department, the following features, many of which come standard on newer vehicles, typically result in a discount from many insurers.

1.Anti-lock brakes (ABS)

Most new cars come with anti-lock brakes. Starting in 2012 ABS will be standard on every vehicle sold in the United States. These brakes prevent the wheels from locking up. ABS helps the driver keep control of a vehicle in emergency braking situations, which can help prevent accidents.

2. Daytime running lights

These headlights are illuminated whenever the vehicle is running--day or night--and can help you scoop up savings. According to the Insurance Institute for Highway Safety, research shows that daytime running lights reduce accidents during daylight hours. They work by making vehicles more visible.

3. Passive restraints/airbags

Vehicles that are equipped with airbags and passive restraints can cut your car insurance costs. According to Allstate, it's possible to save up to 30 percent if your vehicle has airbags and automatic seatbelts.

4. Window etching

Insurance companies offer a discount for etched windows. The vehicle identification number (VIN) is etched into the windshield and windows. This means that a car thief will have to replace the etched glass before they are able to sell it--thus making it a less desirable target.

5. Anti-theft and tracking devices

Most new cars come standard with an alarm. These devices range from simple alarms to starter cut-offs and glass sensors. The car insurance discount will vary depending on the sophistication of the device.

A tracking device such as a LoJack rarely come standard on a vehicle, but it is one of the best aftermarket devices when it comes to saving money on car insurance. If the car is stolen it can be tracked using LoJack, which makes it much easier for your vehicle to be located by the authorities.

Ask for available car insurance discounts

These features represent a bonanza of savings that can be quarried from the safety features that come standard on your new car. Insurers will not always offer discounts so be sure to request them.


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