July 6, 2009

Auto Insurance Discounts and Safety Equipment

When getting your auto insurance quotes online you may ask how you can save more money on your plan. The answer will not only save money – but maybe your life: safety features. Highlighting safety features your car has – and using them each time you’re on the road – can trim down your monthly auto insurance payment, and drastically save you money over time.

Seat belts and air bags

Using seats belts seems like a no-brainer, right? But it’s important to make explicitly clear to your insurance provider that you use seatbelts every time you get behind the wheel. They keep you and your passenger safely inside the vehicle in the event of a collision, and therefore cut healthcare costs that an accident might incur.

Just like seat belts, air bags are employed in the case of a traffic accident and severely reduce any harm or injury to the driver and the passengers. So many cars come equipped with air bags nowadays that drivers often forget to remind their auto insurance providers that their car has that feature. Everyone tries to avoid accidents, but if they do happen, safely deployed air bags will greatly reduce costs to the insurer.

When you get your free auto insurance quote, make sure that you highlight the air bags in your car, and that you use seat belts every time – it’s important for any insurance provider to know to save you money on payments.

Anti-lock brakes and traction control

Inclement weather often leads to poor visibility and slippery roads, which in turn can create a perfect atmosphere for a car accident. While air bags and seat belt use will prevent bodily damage should an accident occur, anti-lock brakes and traction control can prevent the accident from happening in the first place.

Your brakes can become hazardous if they freeze up when you’re trying to stop the car over a patch of ice or slippery street. Anti-lock brakes condition them so that the wheels continue moving over such terrain. This means your car is less likely to spin out of control, so that it’s far less likely to veer off the road or collide with another vehicle. That keeps you and your car safer, and in turn reduces the risk an insurance company takes when providing you with a plan.

Don’t forget to inform your auto insurance provider that you have anti-lock brakes and traction control features in your car. You’ll find that your auto insurance quotes drop in price because your car is much safer on the road, and less of a risk to them. They save money, you save money – and all for features your car already has!