Cheap Car Insurance – Safety Features That Will Enable You Become Eligible For Lower Rates

In calculating what you pay as premium, insurers take a lot of factors into consideration. So getting cheaper rates is all about ensuring that you take steps that make those factors work for, and NOT against, you. In this article, I’ll go deep into safety features and which you should endeavor to have in your car if want cheap car insurance prices…
If you have the right safety features in your car, you’ll reduce the probability and frequency of claims. This means that any insurer who insures you is taking on a good risk. But which are worthy of your time and investment?
1. Some cars are equipped with airbags. The burst open on impact shielding the driver. In addition to helping you stay alive and well, it will also help you get a cheaper rate.
2. Anti-Lock Brakes: These stop your wheels from getting jammed when something makes you slam on the suddenly. With these you’ll have better control is such tough situations. At the same time it will reduce your stopping distance. This should get you a discount with most insurers even though discounts are NOT mandated by law in certain states.
3. Anti-Theft Features: Good examples of these are keyless entries and car alarms. Thieving rats will generally think twice before going for vehicles with such features.
4. Automatic Seat Belts: There are vehicles that won’t move unless your seatbelts are fastened. This compels anyone who uses the car to take a safety precaution already mandated by law. Let your agent know about it if you car has this.
5. Etch Your VIN. Having your VIN imprinted on your windows will help scare thieves since this will make it tough for them to resell such stolen items.
Some even take it to another level by etching their VIN into their fenders and bumpers. Just go ahead and do it wherever it makes sense — Just don’t disfigure your car.
Having all these safety features and also implementing the necessary safety measures will doubtless help you save. But the question is “by how much?” This depends on the insurer…
Although all insurers basically consider the same factors, they do give each of those factors relevancy scores based on their various loss histories and expertise among many things. This simply means that there will be a huge disparity in rate quotes you get. This is the reason why you are always encouraged to get and compare quotes from many insurers before settling for one.