What Is An Adaptive Headlights Discount?

Adaptive headlights discounts are offered by companies like Nationwide and Progressive. Because adaptive headlights reduce the risk of accidents, many companies provide adaptive headlights discounts.

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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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Written by Laura Berry
Former Insurance Agent Laura Berry

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: Jun 2, 2022

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Here's what you need to know...

  • Adaptive headlights are designed to improve visibility while driving at night
  • Adaptive headlights also may reduce the glare of your lights that could blind drivers in oncoming vehicles
  • You could save some money on your car insurance simply by having an adaptive headlight discount
  • Finding a vehicle that has safety features, such as adaptive headlights, may help you to save money on car insurance
  • Companies including Nationwide and Progressive offer adaptive headlights discounts

Automotive manufacturers understand that today’s consumers are focused on buying vehicles that will keep them and their loved ones as safe as possible on the road. Many automakers have introduced advanced technological safety features to their most recent models, and one of the features that you will discover in some models is adaptive headlights.

What is an adaptive headlight? Adaptive headlights are a more intelligent alternative to traditional headlights, and they can improve visibility at night for maximum safety behind the wheel. Many accidents occur at night because of reduced visibility.

Because these headlights can potentially decrease accidents, some car insurance providers offer a discount on your premium if you buy a vehicle with adaptive headlights. Don’t miss out on our comparison tool above! Enter your ZIP code and start getting quotes for FREE today!

How Adaptive Headlights Work

Before you make the decision to purchase a vehicle with adaptive headlights, you may wonder how these lights work. Conventional headlights hold the beam of light in a steady position at all times, and the intensity of the light never changes unless you put on your high beams manually.

Adaptive headlights, on the other hand, use information about the vehicle’s speed, the degree of a turn, and more to adjust the lights to a more desirable or beneficial position.

For example, as you round a corner, the beam from your headlights will turn slightly in the direction of the turn. This focuses the light on the dark road in front of you as you make the turn to improve your visibility.

By enhancing your visibility when driving on dark roads, it may give you more time to assess road conditions and react to obstacles in the road in front of you.

The Benefit to Other Drivers on the Road

When you are driving into oncoming traffic, your headlights could shine directly in their eyes and reduce visibility dramatically. The last thing you want is to unintentionally blind a driver who is coming at you.

With adaptive headlights, the likelihood of your lights shining directly at them is reduced, and this can potentially keep the roads safer for you and your loved ones.

When you are shopping for new car insurance, keep in mind that this safety feature can qualify you for a money-saving discount with some providers. In fact, several other safety features in your vehicle may also qualify you for additional savings on your premium.

Consider looking for providers who offer the best combination of discounts based on the features in your car and other factors.

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Other Advanced Safety Features Available

At one time, the primary safety feature found in most cars was a seatbelt, and airbags more recently became a norm. Today’s models are using innovative technology in highly effective ways to take your safety to the next level. A few of the other safety features that car insurance companies may discount your premium for include:

  • Stability control features
  • Adaptive steering
  • Forward collision warning
  • 360-degree view around the vehicle

Your car insurance agent likely will review all of the safety equipment in your vehicle when you provide him or her with your VIN. However, it may be helpful to inquire about these car insurance discounts when shopping for coverage to ensure that you get all of the money-saving discounts that you may qualify for.

Taking Advantage of Car Insurance Discounts

Even when you buy the safest vehicle that is loaded with high-tech features, there is always a risk that you may be involved in an accident. Car insurance is designed to pay for expenses related to liability as well as for your own expenses if you are in an accident.

You do need to ensure that your coverage includes liability insurance as well as collision or comprehensive coverage for maximum benefit. When you want to save more money on your premium, look for additional discounts for:

  • Being a student
  • Being an active duty or retired military professional
  • Being retired or a senior citizen
  • Having a great driving record
  • Paying your premium in full
  • Setting up paperless billing

The Financial Benefit of Adaptive Headlights

If you are thinking about buying a new car soon, looking for a vehicle that has adaptive headlights can pay off in several ways. While this feature can reduce the risk of an accident and keep you and your loved ones safer on the road, it also can save you money in several important ways.

A Potentially Better Driving Record

When you shop around and request a quote for new coverage from a car insurance provider, the insurance company will review your driving record or loss report. More incidents listed on these documents can result in higher insurance rates. Because adaptive headlights can potentially help you to avoid accidents, they may help you to qualify for better car insurance rates in the future.

The Qualification for a Car Insurance Discount

Vehicles with a better safety rating or lower accident statistics may qualify for better rates than vehicles that are statistically in more accidents. In addition to helping you to potentially qualify for better rates on the coverage you need, adaptive headlights may also qualify you for a discount on your premium for additional savings.

Reducing the Likelihood of a Claim

There are costs associated with being in an accident and filing a claim against your insurance policy. For example, you will need to pay your insurance deductible, and this may be $500 or more.

You may also have to pay for any expenses that are not covered by your policy, such as medical expenses that exceed your personal injury coverage limit. Because adaptive headlights may prevent accidents, you may enjoy savings related to the cost of accidents.

Finding a Safe Vehicle to Drive

While some drivers already have a vehicle with adaptive headlights, you may be shopping around in search of your next car. Safety features are one factor to look for in a safe vehicle, but you should also read safety ratings and buy a vehicle with a less powerful engine.

By doing so, you may qualify for better rates on insurance for your new car, and this can increase the affordability of your purchase. Make sure to use our FREE insurance comparison tool below and start comparing rates now!

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