Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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®

UPDATED: Oct 5, 2020

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Here's what you need to know...

  • The safety equipment in your vehicle may qualify you for a car insurance discount
  • Many insurance providers offer discounts for specific types of safety equipment such as a forward collision warning system
  • The vehicle that you drive can affect your premium in other ways, so it makes sense to compare quotes for different makes and models before making a buying decision

Staying safe on the road is a top priority for most drivers, and many drivers are choosing to buy makes and models that are loaded with advanced safety equipment and features.

While your primary reason to purchase a vehicle with a forward collision warning system may be to prevent accidents, you may also be able to save money on your coverage through a related safety equipment discount available through some providers.

You can also save money by finding a car insurance company that charges less for premiums. Compare quotes of several insurers side-by-side today by using our free rate comparison tool above.

Table of Contents

Why Insurance Companies Want You to Stay Safe on the Road

While you may pay your insurance deductible when you file a claim, an insurance company may pay a substantially higher amount. In fact, some car accidents may result in a claims loss of tens of thousands of dollars or more.

Insurance companies have identified benefits associated with some safety features that are loaded into modern models of cars, trucks, and SUVs.

The forward collision warning discount is one of the features in your vehicle that may qualify you for a substantial discount on your premium.

How the Forward Collision Warning Discount Works

A forward collision warning system is an increasingly common safety feature that is available for many makes and models as a standard or upgraded feature. It alerts the driver when it determines a potential collision in front of the car, such as with another vehicle or a cyclist.

While some of these systems simply create a steering wheel vibration or noise to alert the driver, others actually decelerate the vehicle to help you avoid a possible collision.

This type of safety feature can prevent many accidents, and it may decrease the severity of other accidents by improving your response time.

The discount may be applied to the premium for each insured vehicle that has this feature.

Some drivers may benefit by looking for this and other safety features when they are shopping for their car.

Other Discounts Available for Safety Equipment in Your Car

The forward collision warning system is just one of several types of safety features that some car insurance companies offer discounts for. For example, you may also qualify for a discount if your car has these features:

These are only a few of the safety features that some insurers offer discounts for. In addition to the financial savings on your premium, you may also benefit by reducing the number or severity of the accidents that you are in.

These features may protect the health of everyone in the vehicle and save you money related to out-of-pocket claims expenses.

Free Car Insurance Comparison

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Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

The Importance of Improving Your Driving History

Your claims history or loss report is one of the many factors car insurance companies look at when they are calculating your premium amount. If you have a lengthy loss report, you may be categorized as a high-risk driver.

High-risk drivers may qualify for higher insurance rates, or they may find it difficult to qualify for coverage through top insurance companies.

With a forward collision warning feature and the use of other safety equipment in your vehicle, you may be able to improve your driving record over the next few months or years. This may help you to qualify for better car insurance rates in the future.

Helpful Tips to Stay Safer Behind the Wheel

Driving a safe vehicle that is loaded with advanced equipment and features is one way to stay safe on the road, but there are other steps that drivers should take as well. These tips can be implemented immediately to improve your safety behind the wheel:

  • Always wear a seatbelt, and require each passenger in your car to remain buckled in at all times.
  • Use child safety seats for younger children as required by law in your state.
  • Avoid distracted driving activities, such as smoking, eating, or using your cell phone while on the road.
  • Always drive at or below the established speed limit. Reduce your speed as needed when driving conditions are less desirable.
  • Ensure that your vehicle is properly maintained at all times. For example, check the tread and air pressure in your tires regularly.

How Your Vehicle Affects Insurance Rates

If you are unhappy with your high insurance rate quotes after shopping for new coverage or if you are planning to trade in your car soon, you should consider getting a newer vehicle with better safety features.

However, be aware that the safety features in your vehicle are only a few factors that can affect your premium amount. You should also focus your attention on these factors if you want to choose a safe vehicle that is more affordable to insure:

  • The power of the engine
  • The replacement value of the vehicle
  • Typical repair costs for the vehicle
  • Theft statistics for the vehicle

Remember that these factors will vary by model as well as by trim level. It may be a great idea to request quotes from a few top providers before you decide which vehicle to buy next.

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What to Do Before You Buy Your Next Car

You may want to buy a vehicle with a forward collision warning system as well as other safety features that may qualify you for a lower auto insurance premium.

Consider using the Internet to research the safety features in the models that you are most interested in as a starting point. Then, research safety ratings and other relevant information for the top models on your list.

Comparing rates available for the models that you are most interested in is a great way to save money on your premium.

After all, the safety equipment in a car is only one factor that influences rates, and the best way to determine which vehicle qualifies for the most affordable premium is to compare quotes. Always ensure that you request quotes from a reputable, established insurance company.

Getting the Coverage You Need

Is the forward collision warning worth it? Safety equipment, such as a forward collision warning feature, can help you to stay safer on the roads. However, accidents may still occur, and you need to be fully insured at all times.

By setting up a great insurance policy today, you can rest easy knowing that you comply with legal requirements for coverage and that you have adequate financial protection to pay for accident expenses and more.

Compare car insurance quotes right here to find out how much you could save on the coverage you need. Enter your ZIP code below to get started.