Top Car Features That Lower Insurance Rates: You Won't Believe #5!

Purchasing a new car is exciting but savvy buyers know to look beyond the sticker price. One aspect often overlooked is how certain car features can impact your insurance rates. Let's explore some of the top car features that might help lower your insurance costs:

1. Electronic stability control (ESC)

First on our list is Electronic stability control (ESC). This feature helps prevent accidents by correcting oversteer or understeer when a vehicle starts to veer off the road. Since it has been proven to significantly reduce the risk of fatal crashes, insurers often offer discounts for vehicles equipped with ESC. It's a standard feature in many newer models, so ensure it's on your checklist.

2. Anti-lock braking system (ABS)

The Anti-lock Braking System (ABS) prevents the wheels from locking up during a hard brake, allowing the driver to maintain control and steer away from hazards. ABS is critical in avoiding crashes and having it can lower your insurance premiums because of the reduced risk of collision.

3. Advanced airbag systems

Advanced airbags go beyond the front-seat inflatables; they include side, rear and knee airbags to protect occupants from multiple angles during a crash. More comprehensive protection means lower medical bills and insurers might reward this with lower rates.

4. Adaptive headlights

Adaptive headlights automatically adjust the direction and range of your vehicle's lights based on the steering wheel angle and speed. This helps improve visibility on curved roads at night and reduce the chances of accidents in poor lighting conditions, which can also help lower your insurance costs.

5. Usage-based insurance programs (Telematics)

Now for the surprise—#5 isn't a built-in safety feature but could save you the most on insurance. Telematics-based insurance programs monitor driving habits such as braking patterns, speed and the time of day you drive. Safe driving metrics can lead to personalized discounts and many drivers are shocked to find out how much they can save by opting into these programs.

6. Automatic emergency braking (AEB)

AEB systems automatically apply the brakes when a potential collision is detected, often before you react. This proactive safety measure is highly regarded by insurers for its effectiveness in preventing crashes, thus reducing the likelihood of claims and lowering your rates.

Knowing these top car features that can help reduce insurance rates provides you with powerful negotiating tools when buying a new car or reassessing your current vehicle's insurance coverage. Each safety feature adds to your driving comfort and safety and presents a potential saving on your premiums. So why wait? Contact us today to see how upgrading your vehicle or opting into a telematics program can lower your insurance costs. Remember, safe driving isn't just good practice—it's also financially rewarding!

August 13, 2025

Your Landlord Has Insurance, So Why Do You Still Need Yours?

It's a common misconception: "My landlord has insurance, so I'm covered." A landlord's policy only protects the building itself, such as the roof and walls. It does not cover your belongings like your couch, laptop or savings. This is why renters' insurance is important, even in a well-managed building. Your Stuff Isn't the Building If […]

Can Renovating Your Kitchen Raise Your Insurance?

A new kitchen can change how your home feels and cooks. But it can also change your home insurance. The answer is not always “yes” or “no.” It depends on what you upgrade and any risks that arise while the work is going on. Why Can the Price Rise? Insurance is built on the cost […]

What Is a Grace Period and What Happens If You Miss It?

A grace period is the additional time you receive after your due date to pay your insurance bill. Although your policy is considered late, you still have a chance to resolve it. The specifics of the grace period can differ based on your policy and your state, so it's important to read your documents carefully […]