When getting another round of auto insurance quotes on your renewal date chances are that you’ll be unhappy with your premiums to say the least. It’s the way most insurance customers feel about their premiums when asked whether they are satisfied with the level of rates they get every year. Moreover, car insurance can get even costlier if you’ve filed a claim during the last year and you will only find this out on your renewal date.
Still, many car owners tend to overlook the proactive attitude they can take regarding car insurance. Rates can be significantly reduced and discounts can be obtained if you choose the right approach to minimize the risks associated with auto insurance. And the best way to do it is to make sure that your car is properly secured.
Security is an essential aspect in insurance as it determines how likely it is for the customer to file a claim and what amounts of coverage may be required to settle it. So any measure taken to improve the security of the vehicle is positive in terms of insurance and you will be actually rewarded for taking it. Car security can be divided into two general categories: passenger/driver security and vehicle safety. So let’s look at some of the most effective measures in these categories that will help you get attractive auto insurance quotes:
1. Passenger safety
Airbags – this probably doesn’t need any explanation. Airbags have become a standard for most vehicles in the world because they really save lives during accidents. When your car is hit with a certain force a bag filled with air bursts out of different areas in the car (steering wheel, door, etc,) and prevents severe trauma. The more airbags a car has the better, and your car insurance quotes will be lower if you choose a car model with additional airbags installed.
Anti-lock brakes – or ABS represent an advanced braking system that allows the wheels to continue motion while breaking thus decreasing the risk of skidding, shortening the braking distance and improving the control over the vehicle while breaking. Having this system helps many drivers to handle their vehicles better and prevent accidents associated with braking. If you have ABS installed on your car you’ll automatically get lower car insurance quotes.
Proximity sensors – commonly known as parktronic represent either ultrasonic or electromagnetic sensors installed on the sides and rear of the car body to alert the driver about object proximity while parking. These sensors measure the distance between the car and different object, signaling the driver when there’s a high risk of collision. This system is very effective in eliminating one of the most common causes for minor claims which is parking collision. So it’s natural that if you have it installed on your car your quotes will be more affordable.
High intensity discharge lamps – these represent a more powerful scheme for lighting the road in front of you and have been confirmed to provide better night vision as compared to standard headlights. However, make sure to get certified and high quality lamp modules instead of simply replacing the lamps, as high intensity discharge lamps can cause heavy flare if not fitted into respective optic modules.
Night vision cameras – some of the more recent models of medium and premium class vehicles feature night vision cameras that provide a monochrome image of the road by the means of the main computer screen. This option can dramatically increase the visual distance while driving at night, especially on a road with no lights. So if you manage to get a car with night vision cameras installed or install them on your own, your car insurance quotes may be pleasantly affordable.
2. Vehicle security
Garage – it is definitely the best way to protect your car from theft or vandalism. If you have a garage in your house and keep the car in it all the time instead of the sidewalk then you can get really good insurance discounts.
Immobilizers – this is a general definition for a wide range of devices that are used to cut a crucial function of the vehicle without proper authorization. These include wheel locks, gearshift locks, fuse cutters, hood locks, engine locks and others. Usually you can fit your car with these unless the manufacturer has done the work for you by introducing a general electric key or other device of this kind. Getting one of these will surely reduce your auto insurance quotes, only make sure to get the certified ones.
Tracking system – apart from installing a GPS module to help you out with road directions you might want to install an additional device that could keep track of your vehicle from distance. It’s the best solution in case your car gets stolen; otherwise the chances of finding a stolen vehicle are too low. So make sure to consider this feature if you want to keep track of your car and reduce your insurance costs.
Alarm – having an alarm system on your car is generally a good idea, and if you install an advanced one this can really improve the security of your car. An advanced system is usually much harder to disable by thieves, so it will have much time to make a lot of noise in case someone tries to break into your car. And this will reflect on your auto insurance quotes in a very positive fashion.
As a rule of thumb, the more of these features are present in a vehicle the cheaper it is to insure. Keep in mind, however, that all of these devices have to be certified complying with local standards. It’s best to ask your insurer directly which security devices will get you discounts and have them installed on your vehicle. This is simply killing two birds with one stone essentially, so there’s no reason for you to avoid any security improvements if your car allows them.