What is a “lane departure warning” discount?

Your car insurance company might offer you a discount for having a "lane departure warning" system in your vehicle. Upgrading safety features can reduce your rates by up to 8%.

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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: Jan 21, 2021

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Here's what you need to know...

  • If your vehicle has a lane departure warning feature, you may qualify for great savings on your car insurance policy through some providers
  • This is only one of several safety features that may qualify you for a discount on your auto insurance premium
  • Additional safety features in your vehicle may qualify you for more discounts

At one time, the primary safety features in a typical vehicle included anti-lock brakes, airbags, and seatbelts. Many modern models, however, have a full line of high-tech safety equipment that is designed to keep you and your loved ones safer on the road.

The lane departure warning feature is just one of several advanced features that are commonly found in many vehicles today, and this feature may qualify you for a special auto insurance discount through some providers.

How the Lane Departure Warning Works

The lane departure warning feature is one of the advanced alert features that are found in many of today’s vehicles, and it works by constantly scanning your surroundings.

If the feature determines that you are getting too close to the side of your lane or you have passed through into another lane, it will alert you.

Typically, this alert involves a vibration on the steering wheel or an audible noise. Because it notifies you before you drift into another lane or off the road unintentionally, it has the potential to prevent many accidents.

Why You May Drift Into Other Lanes

Drifting into other lanes seems like a rare occurrence, but it actually happens more often than you might think. It may be the result of a driver falling asleep behind the wheel, but it also is commonly caused by a number of driving distractions. These distractions may include:

  • Using a smartphone
  • Communicating with others in the vehicle with you
  • Smoking a cigarette
  • Eating or drinking

Essentially, anything that pulls your mental attention off of the road or that involves the use of your eyes or hands may be considered distracted driving. Many drivers have regular behaviors behind that wheel that may be classified as distracted driving activities.

The Benefit of This Safety Discount

The benefit of getting a car that has lane departure warning functionality involves staying safer on the road. This alert feature can help you to avoid accidents. Remember that even with auto insurance in place, an accident may result in financial expenses related to loss of work, the insurance deductible, and any expenses not covered by your policy.

In addition, the lane departure warning feature may qualify you for a discount on car insurance with some providers. Each car insurance company that you may contact for a quote will have a unique list of discounts as well as different financial benefits for those discounts.

Shopping around and requesting firm quotes for coverage through a few top providers is a great way to potentially identify savings on your car insurance premium.

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Exploring Other Discounts Available for Car Insurance

Your auto insurance premium is a regular part of your budget, and you understandably want to reduce the cost of this expense as much as possible. Some providers offer two dozen unique types of discounts to help drivers maximize the savings on their auto insurance premium.

By learning more about some of the options available and by comparing rate quotes from a few leading providers, you may be able to reduce your premium expense.

Discounts for Safety and Security Equipment

The lane departure warning discount is only one of several discounts that you may qualify for related to safety equipment in your vehicle. Many providers also offer discounts for vehicles that have:

  • Anti-lock brakes
  • Electronic stabilization
  • Blind spot detection
  • Adaptive headlights
  • Daytime running lights
  • A security system

These are only a few of the many safety equipment discounts that you will find when you compare the options available. If you are thinking about trading in your car soon for a new model, learn more about these potential discounts available when you choose a model loaded with safety features.

Other Discounts to Look For

Many car insurance providers also offer exceptional discounts that are not related to the vehicle that you drive. Some of the discounts that you may find include:

  • A safe driver discount
  • A claims-free driving record discount
  • A low mileage discount
  • A senior citizen discount
  • A student discount

Shopping for Low Car Insurance Rates the Easy Way

Many drivers are unfortunately paying more than necessary on car insurance, and the only way to determine with certainty if another provider offers a better deal on your coverage is to actively gather and compare quotes. To enjoy the best results from this effort, turn your attention to few key points.

Desired Coverage

The coverage that you select for your auto insurance policy will play a direct role in your auto insurance premium. Carefully research your state’s minimum car insurance requirements as well as any requirements your car lender may have.

Then, determine if you need to expand your coverage beyond these minimum amounts for maximum protection.

When you compare insurance quotes, the process may be easier and faster to do when all quotes are for the same type and level of coverage. By determining your coverage needs up-front, you can simplify the shopping and comparison process.

The Right Provider

With dozens of smaller and larger car insurance companies vying for your business, you have many options to consider. However, getting quotes from each provider takes time and energy, and this is because each provider needs details from you before issuing a quote. These details include:

  • Your contact information
  • Your driving history
  • Information about your vehicle

To save time and effort when gathering insurance quotes, consider requesting quotes only from leading providers. Through Internet research, choose providers that have a great claims process, that are known for excellent customer service, and that are financially sound.

A Full Range of Money-Saving Discounts

In addition to looking at these factors when selecting car insurance companies to reach out to, you need to analyze the discounts available. Each provider has unique discounts and qualifications for those discounts. To maximize your savings potential, you need to understand what the qualifications for discounts available through leading providers are.

Structuring an Effective Car Insurance Policy

Nobody wants to pay more than necessary for car insurance coverage, but you likewise do not want to find yourself underinsured. If you are underinsured, you may have to pay tens of thousands of dollars out of your own funds. Use the lane departure warning feature and other safety features to save money on the coverage you need. Don’t miss out on our free insurance comparison tool below! Just enter your zip code and start comparing rates now!

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