A lot goes into calculating your car insurance premium: your driving record, your age, the car you drive, where you live, and other things. One of those other things is advanced safety equipment that could keep you and your passengers from getting injured in a crash.
Because these features can prevent injuries, they help you drive more safely. And that, in turn, lets the insurance company offer you a lower rate.
So which features can help you save on auto insurance? The list varies by company and by state. For example, Allstate offers auto insurance discounts if your car came with:
- Airbags
- Motorized seatbelts
- Anti-theft devices (in certain states)
- Anti-lock brakes
Anti-theft devices can be installed at any time. But the rest of these things are factory-installed, so it's a good idea to keep them in mind while you shop for your next car.
Speaking of your next car, don't forget that the car itself can be the biggest "safety feature" of all. Picking a model with high safety ratings can get you a better auto insurance rate right off the bat. (To find out which models are safest, do a Google search for "safest cars," or talk with an Allstate Agent.)