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Safety Features That Lower Car Insurance

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Photo of car with safety camera

Safety Features That Lower Car Insurance

Car manufacturers are always looking for new ways to make your driving experience better. That’s why with every new car model comes new or improved technology that makes life on the road more convenient or safer.

These advancements have not gone unnoticed by insurance companies. In fact, many car insurance providers offer significant discounts to drivers who own vehicles with certain safety features. These include things like anti-lock brakes, airbags, and anti-theft devices. Having these features can help reduce the risk of theft or damage to the car, which makes it less risky for the insurance company to insure. So, not only do these safety features protect you and your passengers, but they can also help you save some serious cash.

On the other side of things, many insurance companies require that cars have basic security features in order to even get coverage. Let’s take a look at some of the safest and most common safety features on today’s market that you should be on the lookout for when purchasing a new vehicle.

Seatbelts & Airbags

Two of the oldest yet most necessary safety features in a car. These are standard in most vehicles but your insurance provider will always ask to make sure that all seatbelts and airbags are intact.

Collision Warning & Blind-Spot Detection

Over the last 5 years, collision warning and blind-spot detection technology have become an industry standard. This technology has been a pivotal piece in reducing the number of car accidents on the road. And it has a positive impact on your premiums as well.

Anti-Lock Brakes

The anti-lock braking system started becoming a standard in most car models in the early 2000s. This braking system helps to reduce the amount of space a vehicle needs to stop. This has helped prevent countless accidents from occurring. During slippery road conditions, a firm push on anti-lock brakes releases bursts of braking instead of one applied pressure, which helps to prevent vehicles from sliding.

Anti-Theft Devices

Thefts and break-ins can be a major headache for car owners, but they can also be costly for insurance companies. Many providers offer discounts to drivers who have anti-theft devices installed in their cars, such as alarms or steering wheel locks. These devices greatly reduce the chances of your car being stolen or vandalized, which is a win-win for both you and your insurance provider.

Rearview Cameras

Rearview cameras took the industry by storm a few years ago. Now they’re standard in most vehicle models- for good reason, too. They significantly reduce blind spots when backing up, and give a real-life perspective of what’s behind you and to the sides.



If you’re not sure what security features your car has, you can check the owner’s manual or speak with a mechanic. And if you’re shopping around for insurance, be sure to ask about their requirements for security features and how they factor into your premium.

Car insurance may not be the most exciting topic, but understanding how safety features can affect your rates is an important part of being a responsible driver. By owning a car with the above safety features, you can not only protect yourself and your passengers but also save money on your car insurance premiums. Next time you’re car shopping, be sure to keep these features in mind. Stay safe out there on the road!

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