Car Safety Features that Qualify for Auto Insurance Discounts

Since the late 1980s, vehicles have been integrated with more advanced safety and security features than ever. These features have significantly decreased accidents and saved lives. Houston Auto insurance providers see the impact of modern safety and security features and offer great discounts for vehicles that are equipped with them. Sometimes, these discounts are automatically quoted, as the insurance provider can tell, using the Vehicle Identification Number (VIN), how the car is equipped.

Air Bags
Occupant and supplemental restraint systems, or commonly known as air bags, are one of the safety features required by law in most passenger vehicles. This feature works by sensing a vehicle collision of certain angle and speed of impact, and deploying the right air bags to ensure the protection of the passengers. Since most vehicles come with air bags, the discounts are automatically accounted in the insurance policy.

Anti-Lock Brakes
Anti-lock braking systems (ABS) are almost common in modern vehicles as well, but because they’re not installed in most automobiles, insurance providers may still offer a discount on your insurance policy for them. This type of safety feature helps the driver maintain a steering control of his/her vehicle on ice or snow, or even when he/she suddenly stops on a wet road.

Anti-Theft Systems
Anti-theft systems can be associated with car alarms. Most modern cars have some sort of anti-theft system. These can be a sound produced when someone opens a car door without a key, or if someone breaks the window to get in. Some anti-theft systems disable the engine and don’t allow it to function without the right key. Others come with telemetric systems that inform the police where your car is located if it’s stolen. If you have any of these anti-theft devices, make sure you notify your insurance provider so that you can get discounts on your auto insurance.  

Other Safety and Security Features
Today, there are a lot of modern safety features available and insurance providers may or may not offer discounts, but it’s better to ask. New safety features include Electronic Stability Control (ESC), which improves the safety of the vehicle’s stability by sensing and decreasing loss of traction (skidding); lane departure warning system, which warns a driver when the vehicle starts to move out of its lane on arterial roads and freeways; blind spot monitoring system, which detects other vehicles located to the side and rear of the driver; and emergency braking assist (EBA), which increases braking pressure during emergency situation.

If you want to know more information about car safety features that reduce auto insurance rate, call Reliable Insurance Managers today at 713-227-7283. We can help you get the highest possible discount on your auto insurance with the safety features installed in your car.