Safety Features Car Insurance Discounts [2023]
Increased safety features can reduce your car insurance rates by up to 8%. Car insurance companies using safety rating services from the IIHS and Kelly Blue Book to determine a vehicle's rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Nov 8, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 8, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Write down all of your car’s safety features before you obtain your final insurance quote
- Some safety features come standard in all vehicles while others are optional upgrades
- There are several resources you can use to find the best car with the most safety features
Traditional Safety Features
There are a few safety features that come with practically every car.Normally car insurance companies will provide discounts for even these common features.A few of these features include:
- Safety Restraints – save lives and reduce injuries in car accidents
- Daytime Running Lights – enhance visibility during daylight hours
- Brakes – allow the car to stop safely during rain or snow or on unpaved roads
- Stability control – anti-lock control helps the car maintain traction in a skid
- Air Bags – prevents injury to individuals in serious front impact crashes
- Headrests – can help prevent whiplash
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Additional Safety Features
There are additional safety features that do not come automatically with your vehicle.Check to see your vehicle has any of the following features:
- Anti-theft devices – anything that hinders a car from being stolen such as a car alarm
- Night vision – dashboards that provide night vision to drivers
- Drowsy driver warning system – usually found in high-end cars and helps prevent accidents caused by sleepy drivers
- Lane departure warning system – notifies the driver when he or she is moving out of the lane without a turn signal
Car Safety Rating
The car safety rating will either help or hurt you when it comes to car insurance.The Insurance Institute of Highway Safety rates vehicles on how they hold up in a car crash and how the crash test dummies respond in a car accident.The results provide a rating that your insurance company will use to calculate an insurance quote.
Often, the size of the car and type of vehicle will affect the safety rating.
Read More: Car Insurance Discounts
Smaller cars are often considered to be more dangerous than larger one. Cars with powerful engines that are more likely to be driven fast are also thought of as more dangerous.
How can I find out which cars offer the best safety features?
If you are looking for the best features in terms of crash safety, then you will want to visit the IIHS website. On this site, you can find virtually any make or model of vehicle and you can review its safety data.If you are looking for more detailed information, there are two sources that you can use.
- The first is Kelly Blue Book. Kelly Blue Book rates vehicles on a number of factors, including safety. What’s more, it will provide you with the cost value of the vehicle.
- Another source is Consumer Reports. While you will have to pay an annual fee to see the information found here, Consumer Reports offers unbiased reviews of most late model vehicles
You can get online car insurance rates from active providers by entering your ZIP code right now!
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Case Studies: Safety Features Car Insurance Discounts
Case Study 1: Jane’s Discounted Premium
Jane recently purchased a new car equipped with advanced safety features such as lane departure warning, adaptive cruise control, and blind-spot monitoring. Due to these additional safety features, her car insurance company offered her an 8% discount on her premium. This resulted in significant savings for Jane and provided her with added peace of mind on the road.
Case Study 2: Mark’s Enhanced Safety Rating
Mark owns a family SUV with excellent safety ratings based on crash tests conducted by the Insurance Institute of Highway Safety (IIHS). His car’s high safety rating positively influenced his insurance rates, leading to a lower premium compared to vehicles with lower safety ratings. Mark’s decision to prioritize safety paid off both in terms of protection on the road and financial savings.
Case Study 3: Sarah’s Basic Safety Features
Sarah drives a compact car that comes with standard safety features such as airbags, anti-lock brakes (ABS), and electronic stability control (ESC). Although these features are common in most vehicles, they still qualify for insurance discounts. Sarah’s insurance company recognized the presence of these safety features and rewarded her with a reduced premium.
Case Study 4: Jack’s Size and Vehicle Type Impact
Jack owns a high-performance sports car known for its powerful engine and smaller size. While he enjoys the performance and style of his car, he is aware that such features can influence his insurance rates. Jack’s small, powerful car means higher risk, leading to higher insurance premiums compared to larger, less powerful vehicles.
Frequently Asked Questions
Can safety features on my car help reduce my insurance rates?
Yes, increased safety features can lead to car insurance discounts of up to 8%. Car insurance companies use safety rating services like the IIHS and Kelley Blue Book to determine a vehicle’s rates.
What are some common safety features that may qualify for insurance discounts?
Some common safety features that may qualify for discounts include airbags, anti-lock brakes (ABS), electronic stability control (ESC), and traction control.
Are there additional safety features that can qualify for discounts?
Yes, there are additional safety features that may not come automatically with your vehicle. Some examples include lane departure warning, adaptive cruise control, blind-spot monitoring, and forward collision warning.
How does the car safety rating affect insurance rates?
Car safety ratings, determined by organizations like the IIHS, can impact insurance rates. Insurance companies consider how well a vehicle performs in crash tests and the resulting injury risk to occupants. Generally, vehicles with higher safety ratings may have lower insurance rates.
Where can I find information on car safety features and ratings?
You can visit the IIHS website to find information on the crash safety ratings of various makes and models. They provide comprehensive data on the safety performance of vehicles. Additionally, insurance companies may provide information on their websites or through their agents.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.