3 Useful Vehicle-Based Auto Insurance Discounts

You can get discounted car insurance rates in various ways. For example, extra driving training or a good driving record can lower your costs.

However, you might not realize that your car might get you some discounts. Insurers sometimes reduce coverage costs based on vehicular factors.

How can your car reduce your insurance premiums?

1. Safety Features

Auto insurance companies like cars with additional safety features. The safer your car is, the less likely you are to make a large claim after a collision or accident. You and your car have more protection.

For example, if your car has airbags, then you get more protection in a collision. Your airbag automatically deploys and inflates to protect your head and face if you are thrown forward in your seat.

Or, if your car has anti-lock brakes, then your insurer knows that you will be more able to maintain steering control in an accident or skid. Your claim for car repairs or personal injury costs will usually be lower if you don't lose control of your vehicle.

So, if your car has insurance-friendly safety features, then make sure to tell insurers about them. Ask if they will give you a safety discount.

2. Anti-Theft Devices

Theft is a common auto insurance claim. If you can prove to insurers that your car has extra anti-theft protection, then they might reduce your premium charges.

Even a simple steering lock can help here. If someone were to get into your car, they wouldn't be able to steal it. The lock shuts down the steering wheel and makes the car undrivable.

More advanced devices include GPS systems. If your car is stolen and you have a GPS tracker in it, then the tracker can locate the vehicle. If you boost your chances of recovery, then you are less likely to make a claim.

Plus, GPS systems often include dashboard cameras. Insurers like these cameras. They automatically record accidents and help prove who was at fault.

So, make sure to tell insurers about your anti-theft devices. Ask if you can add a device to increase your discount. Sometimes, a simple upgrade more than pays for itself in saved premium costs.

3. New Car Discounts

Don't assume that it's always cheaper to insure an older or used car compared to a new model. Some companies discount their policies if you have a new car.

New cars typically have better safety features and anti-theft protection. They don't have hidden wear and tear in their parts as they haven't been driven regularly yet.

So, shop around to find insurers with new-car discounts. You could save more money on your premiums.

To find out more about these discounts and other ways to save money on your auto insurance, talk to car coverage policy providers.