Insurance Premiums and Safety Equipment

Camera rear for safety

If you’ve been driving for a while, and even if you haven’t, you must know by now that insurance companies take several factors into consideration when it comes to your car insurance premiums.  These factors include your age, how long you’ve been driving, the distance you drive, where you park your car, the type of car, your driving record, the insurance features, the deductibles, and surprisingly, your creditworthiness.

How can you reduce your insurance premiums besides maintaining a stellar driving record and shopping around for the best possible price? It all centers around your ability to protect yourself and your passengers with safety equipment.

Examples of safety equipment that help you score major points with the insurance companies include are driver’s side and passenger’s side airbags, anti-lock brakes, anti-theft devices, and daytime running lights.

Additional premium safety equipment you might want to consider when purchasing your future vehicle include:

  • Blind spot detection system: this alerts you to things that may be in your blind spots
  • Lane departure warning system: this alerts you when the car is drifting into the next lane, which is very helpful in the case of fatigued driving.
  • Backup cameras: This is very helpful to let you know if there’s anything behind you as you’re backing your car out a place such as a parking space.
  • Park assist: This feature is invaluable for people who have problems parallel parking.

While all of these new features are great, they also come with a somewhat hefty price tag as premium options. You’ll have to consider whether the benefits of having the safety equipment justify the additional expenditure and any possible cost savings to your auto insurance premium.

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