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Do Safety Features Lower Car Insurance?

Yes, on occasion, cars with more advanced safety features have cheaper insurance rates. Safety features like seatbelts and airbags can help keep drivers and passengers safer by reducing damage caused by collisions. 

In general, a vehicle that has multiple safety features does not automatically mean you'll get a cheaper auto policy. However, most insurance providers offer policy discounts for vehicles with certain safety features. So, if you're looking to save on your car insurance premium, it's definitely worth considering opting for a car with enhanced safety features.

 Do Safety Features Lower Car Insurance?

What are safety features?

There's no doubt that safety features are a great addition to any car. But do they actually lower your car insurance rates? The answer is: sometimes.

Forbes breaks down the catch-22 insurance companies face when it comes to offering discounts for safety features. On the one hand, technology has the potential to make cars much safer, and thus lower the number of claims insurers have to pay out. On the other hand, these new safety features often come with a hefty price tag, which can offset any savings from fewer claims.

In general, a vehicle that has multiple safety features does not automatically mean you'll get a cheaper auto policy. The benefit of having safety features on your car varies depending on the insurer. Some insurers offer discounts for certain features, while others don't consider them at all when calculating rates.

typically offer discounts for vehicles with certain safety features such as anti-lock brakes, airbags,

Do safety features lower insurance rates?

While some safety features in a vehicle can help lower insurance rates, other features may not have as much of an impact.

 It is important to research which safety features will help lower rates the most before investing in them. Overall, though, having a safer vehicle can help save on insurance costs.

How do insurers view safety features?

Most insurers view safety features as a way to reduce the risk of crashes. However, they rarely lower insurance rates. The overall vehicle safety rating will have a bigger impact on your rates than any individual safety feature.

 That said, some insurers do give discounts for certain features, such as anti-lock brakes or a backup camera. If you're considering adding any safety features to your vehicle, it's always best to check with your insurer first to see if it will impact your rates.

The impact of safety features on claims costs

The combined results from the frequency and severity studies found that the core ADAS features equate to notable reductions in loss cost for bodily injury, property damage, and medical payments. This is good news for insurance companies who will have to pay less out on claims as a result.

 In addition, the availability of auto safe features has become important for drivers hoping to reduce their premiums. Some of the best car safety features on the market today include anti-lock brakes, airbags, and GPS tracking.