What is a Passive Restraint discount?

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Here's what you need to know...
  • A passive restraint system is a safety feature that works to minimize injury to passengers in the event of an accident
  • Many car insurance providers offer a passive restraint discount, but they also may offer a discount for a wide range of other safety features in the car
  • To qualify for truly low rates on car insurance, it is best to practice safe driving habits at all times

As a driver, you may select a vehicle to purchase partially because of the safety features in it.

Your primary goal when you are looking for a vehicle loaded with thoughtful safety features may be to protect yourself and your loved ones, but you may not realize that some safety features could also potentially qualify you for financial savings through a car insurance discount.

A passive restraint discount is one of the more common types of car insurance discounts related to safety features in a car, and the good news is that passive restraints are found in many modern makes and models today.

When you are looking for an excellent way to save money on your car insurance premium, taking advantage of the passive restraint discount may be one idea that is feasible for most drivers to consider.

Compare car insurance quotes today by entering your zip code into our free rate comparison tool above to find the best price for your premiums.

Understanding What the Passive Restraint Discount Is


Safety features in a car are usually classified as either active restraints and passive restraints. A passive restraint is a safety feature that works without any action required on the part of the driver or passengers in the car.

A seatbelt is an example of an active restraint feature, and an airbag is an example of a passive restraint feature. Some car insurance providers offer drivers a passive restraint discount if you have airbags or other similar types of passive restraint features in your car.

– Why Some Car Insurance Companies Offer a Passive Restraint Discount

A passive restraint discount does not necessarily prevent you from getting into an accident. After all, an airbag only deploys after the vehicle’s sensors have indicated that you are actively involved in a collision.

Therefore, you may wonder why some car insurance companies offer a passive restraint discount to car drivers.

The answer to this question lies in the fact that car insurance companies analyze their overall potential financial risk associated with insuring you when they are determining your auto insurance rate.

They analyze the likelihood that you may file a claim as well as the amount of money that they may need to pay out on the claim.

A passive restraint may reduce the injuries that you sustain in an accident, and this could dramatically reduce the overall payout required on the claim.

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– Other Safety Features That May Qualify You For Car Insurance Premium Savings

Passive restraint features are only some of the safety features that may be found in your vehicle that could potentially qualify you for a lower auto insurance premium. Some of the other common auto insurance discounts available are for the following safety features:

How Passive Restraints May Reduce Your Insurance Costs


A passive restraint discount is only one of several ways for you to save money on car insurance, and the reality is that the best deal on car insurance rates may not be with a company that offers this specific auto insurance discount.

Regardless of whether you take advantage of the passive restraints discount for your current auto insurance premium, you should be aware that this safety feature could potentially help you to save money on car insurance in another way going forward.

When you apply for car insurance rates, each auto insurance provider will analyze your loss history report or claims history for the last few years.

If your vehicle had passive restraints, the claims payout may have been reduced in comparison to what the payout may have been if your vehicle did not have passive restraints installed in it.

In this way, a vehicle with passive restraints may help you to save money on car insurance over the years regardless of whether or not you use the passive restraints discount.

– Getting the Coverage You Need

A passive restraint discount and other related car insurance discounts can help you to make your coverage more affordable. This discount can make it easier for you to pay for the full amount of coverage that you need.

While all drivers need to purchase at least the minimum amount of coverage as required by their state and auto lender, some drivers also will benefit from purchasing additional coverage.

For example, you may want to buy GAP insurance or rental car reimbursement coverage because of the additional benefits that these coverages provide to you.

Reducing Your Risk of Being in a Car Accident


While it makes sense to look for a vehicle that is loaded with safety features that may reduce the significance of your injuries in the event of an accident, it also makes sense to follow basic safe driving tips.

These tips may help you to reduce your chance of being involved in an accident altogether:

  • Avoid distracted driving behaviors.
  • Obey the posted speed limit signs.
  • Keep your vehicle well-maintained at all times.
  • Do not drink and drive. Plan ahead so that you can get home safely if you have been drinking.
  • Only drive when you are alert and well-rested.
  • Wear your seatbelt.
  • Keep a safe driving distance between you and the car in front of you.
  • Be aware of the distance between you and the car behind you. Reduce your speed if necessary to encourage a driver behind you to stop tailing you, or change in another lane.
  • Avoid driving when weather conditions are bad.

Shopping for Low Rates When You Buy a New Vehicle

If you have recently purchased a new vehicle that has passive restraints in it, it makes sense to shop around and look for the best deal possible on car insurance.

You may be able to take advantage of the passive restraint discount and other safety features discounts available through some car insurance companies to save money on your auto insurance premium.

Remember to shop around again for low auto insurance rates again every six months so that you never pay more than necessary for car insurance. Enter your zip code below to compare rates today.

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