What Features can a Car have that would Decrease Insurance Premiums?
Answer:
The type of car that you drive plays a significant role in your auto insurance premiums.


Even if you have one of the more expensive cars to insure, you can get insurance discounts for certain features. In fact, some states such as Florida, New York, and New Jersey actually require insurance companies to give discounts for safety features. In states without this requirement, it’s common practice for insurance companies to offer discounts.

Among the features that can decrease your insurance premiums are anti-lock brakes, day time running lights, air bags, automatic seatbelts, anti-theft systems, and VIN etching. 

Why would your insurance offer discounts for these features? Anti-lock brakes stop your wheels from locking when you slam on the brakes giving you more control and reducing the stopping distance. Day time running lights ensure that other drivers can see you approaching. Air bags save thousands of lives each year. Automatic seatbelt systems ensure that drivers buckle up. Anti-theft systems such as car alarms or ignition cut-off switches reduce theft. Window VIN etching acts as visual deterrent and renders your car’s parts useless for re-selling.
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