Safe Auto Insurance
Safe auto insurance is a great way to pay less for your car coverage premiums. Since the price you pay for any kind of premium is dependent on the risk you present to your insurance company, if you drive a safe car, your company will charge you less.
Eligibility For Safe Auto Insurance
*NOTE* Eligibility and availability of discounts varies by company. Your eligibility for a safe car insurance policy is determined by the following factors. More importantly, each additional safe car feature could mean bigger discounts to your premium.
- If your car has passive restraint systems, you can get a safe car insurance discount. So does your car have airbags and factory-installed, motorized or automatic seatbelts?
- If your car has a factory-installed ABS, ask for a safe auto insurance discount. So does your car have an automatic, four-wheel anti-lock braking system?
- If your car has anti-theft devices, you can get a lower safe car insurance premium in some states. So does your car have an alarm or anti-theft recovery system, or protective column steering devices?
Other Safety Factors
One good way to lower your premium is to drive a car that is not a favorite of car thieves. A car that is prone to theft is also likely to cost more to repair, jacking up your premium. You can, therefore, increase your safe auto insurance savings by opting for a safe and ‘low-profile’ car.
Another way to lessen your safe car insurance premium is to consolidate all your insurance needs with one company and demand a multi-policy discount.
When trying to figure out ways to drive down your auto insurance premiums, simply keep in mind that insurance companies reward good risks.
Safety First
If you are shopping for a new car, it could be worth investing a little more to get a unit that has a higher safety rating. Your car's safety features could not only end up saving your life, they could also save you a tidy sum on the yearly car insurance payments you are required by law to make.
Reputable insurance companies generally give safe auto insurance discounts based on the safety or crashworthiness of your car so ensure that your insurance company gets your car rating and use correctly (since manufacturers carry differently rated cars under similar model names). For example, two-door and four-door versions of the same model may be rated differently, affecting your safe car insurance total.
In the US, one body that performs crashworthiness tests that affect the rate of your safe auto insurance discount is the Insurance Institute for Highway Safety (IIHS). The IIHS evaluates new passenger vehicles in a 40 mph frontal offset crash test using set criteria. The test basically measures a car's structural design.
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