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Car safety features lower insurance rates

 Car safety features guarantee lower insurance rates.

Since 1999 inflatable air bags in the front of the driver and passenger have been compulsory. Insurers base discounts on the number of airbags in a vehicle.

Some insurance companies offer about 2% for a driver’s side airbag. Reductions in premiums can rise up to 30% for curtain bags and seat belt inflatables.

Anti-lock brakes were introduced in the 1970s. Many insurers offer discounts for drivers with ABS on their vehicles.

Automatic seat belts connect to the door and fasten automatically when the door is closed. However, major concerns are safety as well as proof of outright danger resulted in a short lifespan for these belts.

Insurance companies like to track how likely your car is to be stolen. The area you live in determines how likely your vehicle is to get stolen.

An alarm reduces the risk of car theft. Insurers are happy to thus offer a discount for an alarm installation.

Adaptive cruise control, collision avoidance systems and lane departure warnings are helping to change the industry.

Electronic stability control is a technology feature that helps prevent sideways skidding. A system of sensors and a microcomputer also prevents spin-out and loss of control. Auto insurance collision losses for cars equipped with this technology are 15% lower than for vehicles without it.

There are additional safety features which will increase your chances of an insurance premium discount.

Dashboards that provide night vision to drivers.

Drowsy driver warning systems which are usually found in high-end cars.

Daytime running lights make you more visible to other drivers as well as pedestrians.

A Blind Spot Detection System lets you know when an object is in your blind spot.

Rearview cameras help you see other vehicles or objects you might not catch in your rear and side-vision mirrors.

The insurance industry takes years to see which safety features provide a safer driver environment. New discounts are thus introduced slowly.