Insurance companies take a number of factors into consideration when computing your rate. 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 to pay a lot less…
Safety features in your automobile reduce the likelihood of claims and, where claims are made, reduce the amount claimed. You effectively reduce the risk factor involved in insuring you by a huge margin. Let’s look at the various features and options open to you so you can decide which is worth having.
1. Some cars are equipped with airbags. The burst open on impact shielding the driver. They are good because they help protect the driver but in addition, they also help you save some premium dollars.
2. Anti-Lock Brakes: These stop your wheels from getting jammed if something makes you step on your brake suddenly. These will help reduce your stopping distance. But more importantly, they help maintain better control. Although NOT all states make it mandatory for insurers to give discounts to policyholders who have this feature in their cars, you’ll do well to discuss with your agent if you car has this.
3. Anti-Theft Features: Good examples of these are keyless entries and car alarms. All things being equal, car thieves will generally opt for car that are without these.
4. Automatic Seat Belts: Even though we know the law demands that you fasten your seatbelts before driving, some drive without sometimes. However, with cars that have automatic seat belts, you must fasten your seatbelt or else it won’t move. Let your agent know about it if you car has this.
5. Etch Your VIN. Having your VIN carved on your windows will help scare thieves as this will make it difficult for them to resell such stolen items.
Some even take it to another level by etching their VIN into their fenders and bumpers. For those who are afraid it might disfigure their ride, get a good artist and make sure they use the right tools.
Having all these safety features and also implementing the necessary safety measures will doubtless help you save. However, what you’ll save will be dependent on your insurance carrier…
Each insurance company gives a different weighting to each of the factors used to compute your premium. This simply means that there will be a huge disparity in rate quotes you get. This why getting and comparing quotes from a good number of insurance providers is highly encouraged.
If you do this well, you’ll easily get the best price/value.
Are you tired of paying very high rates? Following are sites that you’re advised to visit: car insurance comparison and compare car insurance. Chimezirim operates content-rich sites that teach you how to save on insurance.
categories: auto insurance,insurance,autos