Enter your ZIP code:

Top 8 Safety Picks for Car Insurance Discounts

by Penny M. Hagerman 

Trading in your used car for a greener, more efficient one? Before you push, pull or putter your used ride onto a dealer’s lot near you, consider these top eight safety picks to help lower the cost of your auto insurance.

Buying one with as many features as you can afford will keep you safer in your ride—and earn you money-saving insurance discounts!
 
#1: Electronic Stability Control (ESC)
Stability control systems monitor your intended path and the direction your car is going in. If the two begin to diverge, the system either activates your brakes to slow the car down and get you back on track or reduces your engine power to restore control and keep your automobile stable.
 
#2: Side-Impact Air Bags
Unlike frontal collisions, side impact accidents can be particularly deadly because there’s nothing but the thickness of the door to absorb the force of the crash. Side-impact air bags help absorb the impact of the blow and protect you and your passengers from injury, especially to the middle and lower body.
 
#3: Anti-Lock Brakes (ABS)
Anti-lock brakes kick in when tires lose traction and wheels lock up, especially on wet or slick roads. By pumping the brakes automatically and rapidly, the ABS system helps you stop more quickly and regain control of your steering. A pronounced vibrating felt under the braking foot, and simultaneous but temporary loss of pedal control, signals anti-lock brakes at work.
 
#4: Navigation System
One of the latest electronic systems to be installed in cars, navigation systems allow you to map and find your destination quickly and easily while driving. They can be programmed to give you point-to-point driving directions, as well as pinpoint destinations like restaurants, gas stations, banks, hotels and other businesses. According to Edmunds.com, most new navigation systems now use DVD-ROM technology to compactly store mapping directions.
 
#5: Rear Parking Sensors
When you get too close to an object while backing up your car in a tight space, rear parking sensors sound an audible alarm to let you know you’re in danger of hitting something. Sometimes called Park Assist, this technology keeps you from hitting both objects and people in areas where your range of sight is limited.
 
#6: Side-Curtain Air Bags
Also called “head curtain air bags,” these provide buffers between the vehicle and its occupants’ head and torso. Located in a front-side position, they drop down from the ceiling when an accident occurs, often extending from front to rear seat and protecting drivers and passengers from injury.
 
#7: Rear Cargo Netting
Vehicles such as SUVs or hatchbacks that contain open rear cargo areas can benefit from cargo netting or a closed cargo cage. Since objects placed in this area aren’t typically fastened down and move around freely as you drive, heavy objects such as luggage or sporting equipment pose a danger to everyone in the car if you have to stop suddenly or you have an accident. Netting limits these objects’ movement, protecting everyone from injury.
 
#8: Quality Tires
Having a good set of tires on your car is critical to automotive safety. Where old or worn tires may cause you to lose traction, go off the road and lose control of the vehicle, quality tires with plenty of tread help maintain control of the car and allow you to respond quickly to avoid an accident or miss something in the road. Keep your wheels aligned, check your tire pressure once a month, and replace worn tires with new ones as directed by your mechanic, and you’ll lessen the likelihood of accident.
 
Savings: the Payoff
 
Studies show that cars stocked with safety equipment like those listed above get involved in fewer accidents, on average. That means less risk for your insurance company—and lower premiums for you.
 
So if you’re pinching pennies and you’re tempted to forego safety equipment in favor of something more ill equipped, you might want to rethink your strategy—and talk to your insurance agent. Though it may cost you a little more up front, purchasing a safer ride is always better in the long run, and the discounts you’ll earn are well worth the tradeoff.
List of Articles
No. Subject Author Views
85 Rental Car Insurance: Do You Really Need It? youcomparequotes 17719
84 Auto Insurance: The Secret Weapon for Saving at the Pump youcomparequotes 18043
83 Getting the Cheapest Car Insurance in Your State youcomparequotes 16993
82 Play It Safe for Cheap Truck Insurance Rates youcomparequotes 17537
81 How to Get Discount Auto Insurance youcomparequotes 17796
80 Insurance for Van Lovers youcomparequotes 17542
79 Car Insurance That Fits Your Needs youcomparequotes 17195
78 Online Car Insurance Quotes in 5 Easy Steps youcomparequotes 17382
77 Getting Insured with an Online Auto Insurance Quote youcomparequotes 18400
76 Home and Auto Insurance: Sure-Fire Protection in Unsure Times youcomparequotes 17197
75 How to Keep Teen Car Insurance Quotes at Bay youcomparequotes 19438
74 Choosing Cheap Online Car Insurance That Fits Your Life youcomparequotes 17783
73 Auto Insurance from InsureMe youcomparequotes 17698
72 Car Insurance Comparisons Save You Time & Hassle youcomparequotes 18064
71 Car Insurance Companies & InsureMe Save You Money youcomparequotes 18454
70 Buying and Insuring a New Car youcomparequotes 16816
69 Compare Auto Insurance Rates youcomparequotes 17144
68 Safety Measures Lower Auto Insurance Quotes youcomparequotes 16650
67 Getting Car Insurance Quotes, from Beginning to End youcomparequotes 16743
66 The Car Insurance Quote & Ratings Factors youcomparequotes 17202
65 What's Behind Your Auto Insurance Quotes? youcomparequotes 17312
64 How Cheap Car Insurance Can Save You Money youcomparequotes 16659
63 How to Reduce Car Insurance Prices youcomparequotes 17190
62 Getting Insured with Free Car Insurance Quotes youcomparequotes 17383
61 Auto Owners Insurance & Costly Driving Mistakes youcomparequotes 16699
60 Auto Insurance Cost & Your Ride youcomparequotes 17195
59 How No Fault Auto Insurance Works--or Doesn't youcomparequotes 16971
58 How to Get the Cheapest Car Insurance youcomparequotes 16879
57 Selecting a Car Insurance Company youcomparequotes 17578
56 Finding New Car Insurance Following Cancellation or Nonrenewal youcomparequotes 17187
55 Get the Best Car Insurance Rates Around youcomparequotes 17428
54 Factors That Affect Your Car Insurance Quotes youcomparequotes 16465
53 Child Safety Belts Keep Kids Safe youcomparequotes 17131
52 Speeding and Car Insurance Rates youcomparequotes 16857
51 Not At Fault Car Insurance & Accidents youcomparequotes 16970
50 State Auto Insurance Becoming Available youcomparequotes 17458
49 Auto Insurance Gap Narrowed by Insurance youcomparequotes 17709
48 Car Insurance & Roommates or Family Members youcomparequotes 17282
47 PIP and No-Fault Auto Insurance Reform youcomparequotes 16980
46 PIP and No-Fault Auto Insurance Reform youcomparequotes 16884
45 SUVs: Minor Collision, Major Damage youcomparequotes 17435
44 Severe Weather Driving Tips youcomparequotes 17212
43 Avoiding Aggressive Drivers youcomparequotes 18074
42 Safety Tips & Car Insurance for Teens youcomparequotes 17128
41 Insurance for Cars: It's Your Choice youcomparequotes 17085
40 Car Insurance Quotes Save You Money youcomparequotes 17147
39 Finding & Comparing Auto Insurance Specialists youcomparequotes 18022
38 Safety Features Save Lives & Money youcomparequotes 16908
37 Curbing Auto Insurance Prices youcomparequotes 16449
36 Teen Auto Insurance youcomparequotes 16733
35 Car Insurance: Your Questions Answered youcomparequotes 16785
34 How to Buy Car Insurance youcomparequotes 17421
33 Vehicle Insurance: Covering Any Kind of Car youcomparequotes 16700
32 Truck Insurance for Your Pride & Joy youcomparequotes 16488
31 How Insuring a Used Car Can Save You Money youcomparequotes 17516
30 All-in-One Policies Insure Car & Home Together youcomparequotes 17338
29 Credit Scores & Car Insurance youcomparequotes 17929
28 Classic Car Insurance Protects Your Relic Ride youcomparequotes 16950
27 Reducing SUV Insurance Rates youcomparequotes 16871
26 Good Driver Car Insurance Rewards Safe Driving youcomparequotes 17388
25 How to File an Auto Insurance Claim youcomparequotes 17026
24 Avoiding Deer Collisions While Driving youcomparequotes 17493
23 Cheap Auto Insurance through Safe Driving youcomparequotes 16849
22 Auto Insurance Basics That Save youcomparequotes 17250
21 It's Official - Men Are Terrible Drivers youcomparequotes 18754
20 Car Insurance Quote Saves Money and Stretches Income youcomparequotes 17502
19 Auto Insurance Quote Heavily Dependent on Driver Behavior youcomparequotes 17026
18 Car Insurance Quotes Separate Fact from Fiction youcomparequotes 17286
17 How What You Drive Affects Your Auto Insurance Quotes youcomparequotes 17059
16 Cheaper Car Insurance in 8 Easy Steps youcomparequotes 17410
15 Save Hundreds on Your Car Insurance Without Switching to Geico youcomparequotes 16899
14 Your Options in Motorcycle Insurance youcomparequotes 16876
13 The Advantages of RV Insurance youcomparequotes 17248
12 Enjoying the Classics: How to Insure Your Old Relic youcomparequotes 34755
11 Insuring Your Teen Driver youcomparequotes 17021
10 The SR22 & Car Insurance youcomparequotes 16504
9 Auto Insurance & Generic Parts youcomparequotes 17212
8 A Trip Gone Wrong: Summer Breakdown on the Road youcomparequotes 18347
7 Drowsy Drivers, Wake Up! youcomparequotes 16511
6 Cheap Car Insurance Protection You Deserve youcomparequotes 17888
» Top 8 Safety Picks for Car Insurance Discounts youcomparequotes 17317
4 Drivers: 7 Important Facts about Texting That Could Save Your Life youcomparequotes 21414
3 Buckles: Use Them for Safety, Not for Show youcomparequotes 16818
2 Auto Insurance Quotes youcomparequotes 17281
1 Why You Should Give Thanks -- And Stay Home This Year youcomparequotes 17564
XE Login