{"id":2907,"date":"2022-09-16T17:04:02","date_gmt":"2022-09-16T22:04:02","guid":{"rendered":"https:\/\/going-places.thegeneral.com\/lower-car-insurance-safety-features\/"},"modified":"2025-08-27T10:04:40","modified_gmt":"2025-08-27T15:04:40","slug":"lower-car-insurance-safety-features","status":"publish","type":"post","link":"https:\/\/www.thegeneral.com\/going-places\/blog\/safe-driving-tips\/lower-car-insurance-safety-features\/","title":{"rendered":"5 Safety Features that Lower Car Insurance Costs"},"content":{"rendered":"\n<p><span data-contrast=\"none\">While each insurance company uses different parameters, your vehicle\u2019s safety features and your driving record usually play a role in determining your insurance premium. Since your premium is based on your estimated risk, drivers with safer cars usually see <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/how-to-lower-your-car-insurance-premiums\/\"><span data-contrast=\"none\">lower insurance rates<\/span><\/a><span data-contrast=\"none\">. Explore some different safety features to look for that can lower your car insurance costs or qualify you for a discount.&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-anti-lock-brakes-nbsp\"><b><span data-contrast=\"none\">1. Anti-Lock Brakes<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/h2>\n\n\n\n<p><span data-contrast=\"none\">Anti-lock brakes were first implemented in luxury cars in the mid-to-late 1900s before gaining popularity in the early 2000s. Since 2012, the government has required all manufacturers to include anti-lock brakes in every passenger vehicle.&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">They work by reducing the amount of space your car needs to make a full stop. Anti-lock brakes also help prevent skidding by rotating the tires slowly, making it easier to control the vehicle and avoid accidents. They\u2019re especially useful when you\u2019re <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/driving-in-rain\/\"><span data-contrast=\"none\">driving in inclement weather<\/span><\/a><span data-contrast=\"none\">, as they prevent sliding by braking in small bursts instead of stopping all at once. Certain states, including Florida, New Jersey and New York require insurers to provide discounts for anti-lock brakes.&nbsp;&nbsp;&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-airbags\"><b><span data-contrast=\"none\">2. Airbags<\/span><\/b><\/h2>\n\n\n\n<p><span data-contrast=\"none\">Airbags have been around for a long time and are often considered the most important safety feature. While airbags have been required in all passenger vehicles since 1999, today\u2019s airbags are more effective than their counterparts from 20 years ago. Side airbags are also standard in almost every car and need to meet government issued requirements. In the <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/what-to-do-when-you-get-into-a-car-accident\/\"><span data-contrast=\"none\">event of an accident<\/span><\/a><span data-contrast=\"none\">, side airbags protect passengers by preventing the glass from shattering. Some vehicles even include inflatable safety belts or rear-window curtain air bags to protect passengers in the back seats.&nbsp;&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">While airbags may not deploy during minor accidents and fender benders, they prevent injuries during serious accidents and subsequently reduce the cost of hospital bills for the insurer. In general, car insurance discounts increase with the number of airbags in your car.&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-rearview-cameras\"><b><span data-contrast=\"none\">3. Rearview Cameras<\/span><\/b><\/h2>\n\n\n\n<p><span data-contrast=\"none\">Rearview cameras were introduced way before airbags and anti-lock brakes, but they\u2019re quickly becoming a standard in most vehicles. Their purpose is to reduce blind spots and give you a comprehensive view of your surroundings while you\u2019re backing up. There aren\u2019t very many insurers that offer direct discounts to drivers with rearview cameras, but they can help you keep a clean driving record and qualify you for additional discounts in the long run.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-a-gps-tracking-device-nbsp\"><b><span data-contrast=\"none\">4. A GPS Tracking Device<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/h2>\n\n\n\n<p><span data-contrast=\"none\">A GPS device can help you find and retrieve your car if it goes missing. If you\u2019re purchasing comprehensive coverage, insurers look at theft statistics for your car\u2019s make and model when determining your rate. Because a GPS decreases the likelihood that your insurer will have to replace your entire car if it\u2019s stolen, drivers that have them often receive lower rates or a discount.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-daytime-running-lights-nbsp\"><b><span data-contrast=\"none\">5. Daytime Running Lights<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/h2>\n\n\n\n<p><span data-contrast=\"none\">Daytime running lights, also known as daytime running lamps, are located on the front of your car and turn on as soon as you start your engine. Unlike headlights, daytime running lights aren\u2019t meant to help you see the road, but to make your car visible to other drivers. These lights have a proven track record of reducing head-on collisions during the daytime. Even though they\u2019re standard for most vehicles, some insurers offer a small discount for them.&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">If you\u2019re looking for an affordable insurance plan, The General has several discounts you might qualify for! <\/span><a href=\"https:\/\/www.thegeneral.com\/quote\/\"><span data-contrast=\"none\">Get a quote<\/span><\/a><span data-contrast=\"none\"> in under two minutes to see how much you can save or speak with an agent to get all your questions answered.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Explore five different safety features insurers look for with The General. If you have any of these features, you may qualify for a discount or a lower rate on your car insurance.<\/p>\n","protected":false},"author":7,"featured_media":2908,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[35],"tags":[65],"class_list":["post-2907","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-safe-driving-tips","tag-highlight"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>5 Safety Features that Lower Car Insurance Costs | The General<\/title>\n<meta name=\"description\" content=\"Explore five different safety features insurers look for with The General. 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