Discounts for Safety Features in Car Insurance

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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jan 20, 2021

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Here's what you need to know...

  • 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

You can receive car insurance discounts if your vehicle has certain car safety features.

The discounts vary by company, but it is always a good idea to ask your insurance agent if your car’s features qualify.

Compare online car insurance rates now by entering your ZIP code into the toolbox below!

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.

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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Enter your ZIP code below to view companies that have cheap car insurance rates.

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