Technology has afforded us the convenience of providing a safer environment in our cars. With the safety features that are available today, we are much safer driving the road than we were before. Although some of the features available an very expensive there are still those with an affordable price tag, and many that now come standard on different makes and models
Safety features are also helpful to our insurance rates. When you add to or purchase a car with safety features it can be noted on your insurance policy and significantly reduce your rate. These features will show the insurance company that the vehicle you drive has a lower probability of being totaled in a car accident, and can also be instrumental in reducing bodily damage.
Automatic Seatbelts
Hate fastening your seatbelt? Too bad, it’s the law. One convenient feature that comes on many car models and has for several years is the automatic seat belt. This device loads the shoulder belt across your chest when you enter the car and close the door. It is not only a good reminder to fasten your seatbelt, but it does the work for you. It is well known for auto insurance companies to offer discounts on your rate for automatic seat belts.
Air Bags
Traditionally cars were designed with no features to aid in head on collisions. It was not until the 1970′s that we first saw air bags installed into cars. Air bags are typically found in the front driver and passenger dash, and deploy when areas of the front frame of the car are hit. The reasoning for this position is to prevent a person’s head or face from hitting the dash of the car or worse a person being ejected from the vehicle. Over the years air bags have proven to save lives so much so that they have started producing airbag deployment in other sections of the vehicle. Airbags can now be found in the side panels of the front and back of the car as well as in the seatbelts. Noting airbag installation to your insurance company is sure to reduce auto insurance quotes.
Cameras
A recent development in the safety features on cars is the use of cameras. While some still struggle to park in tight spots, more and more cars are produced with rear and front cameras. Some even have cameras imbedded in the side mirrors, giving access to a 360 degree view of the vehicle. Simply put this does one very important thing. It allows the driver to see what they are close to and prevent accidents before they happen. Insurance agencies are loving this feature as it cuts down on claims and helps to make auto insurance quotes more affordable for their members.
Take a look through your policy with your agent and ensure that all of the safety features your car has installed are noted on your policy. Safety features directly impact insurance agencies as they are designed to prevent harm.