Affordable Car Insurance - Safety Features That Will Get You Lower Rates

By Chimezirim Chinecherem Odimba

In calculating what you pay as premium, insurers take a lot of factors into consideration. Therefore, if you want affordable car insurance, you'd have to be on the right side of those factors. 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. Therefore, they reduce the risk an insurer assumes by insuring you. But which are worthy of your time and investment?

1. Airbags: You know those bags that spring open when there is a crash, don't you? Apart from keeping you safer while you're in a vehicle, it helps cut down your rate.

2. Anti-Lock Brakes: These prevent your wheels from locking if you slam on your brake. This gives you more control in difficult situations and also reduces your stopping distance. 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. Theft-Deterrent Features: Car alarms and keyless entries fall into this category. Thieving rats will generally think twice before going for vehicles with such features.

4. Automatic seat belts: Apart from the fact that seat belts are required by law, some vehicles go further by adding a feature that makes it impossible for you to ride in them without wearing the seat belts. Discuss with your agent if your car has such extra feature.

5. Etch Your VIN. Having your VIN etched on your windows will help deter thieves as this will make it difficult for them to resell stolen items.

I know folks who have their VIN etched onto their fenders/bumpers. Just go ahead and do it wherever it makes sense -- Just don't disfigure your car.

All these safety devices will help cut down your auto insurance rate. But the question is "by how much?" This depends on the insurer...

Different insurers have different relevancy scores for the different factors that are used to determine your rate. Therefore, get and compare quotes from a wide range of insurers.

This way, you'll find the insurer who has the best deal for you. And, don't forget to discuss all measures you've got in place with your agent.

Here are great pages for auto insurance quotes... InsureMe Auto Insurance Quotes Auto Insurance Quotes Chimezirim Odimba writes on insurance.