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Discover the Facts About Safe Car Insurance


If you are looking for a way to lower the cost of your auto insurance premiums, safe auto insurance is a good option. Given that insurance rates are based on your level or risk to any insurance company, driving a safe vehicle will cost you less.

Are You Eligible For Safe Car Insurance?
There are many factors that insurance companies use to determine if you are eligible to purchase safe auto insurance. Ensuring your vehicle has several important safety features can also lower your insurance premium even further. You should review the following list to see if your vehicle meets the specified criteria:


Does your vehicle include an anti-theft device such as a protective column steering device, anti-theft recovery system or alarm system? If so, you may be eligible to receive a reduced premium rate on your safe car insurance.


Does your vehicle include passive restraint systems such as automatic or motorized seatbelts or factory-installed airbags? If so, many insurance companies will offer you a safe car insurance discount.


Does your vehicle include an automatic, four-wheel lock ABS or anti-braking system? If so, be sure to inquire about receiving a discount for your safe auto insurance policy.



Additional Safety Considerations
If you choose to drive a vehicle that is not popular among car thieves, you will normally pay a reduced premium. Cars that are more likely to be stolen will also incur higher repair costs which increases your insurance premium. When you are shopping for a new car, look for a low-profile, safe vehicle. Your insurance provider will reward you with a safe car discount. Basically, the lower the risk you are considered by your insurance provider, the lower the rate you will pay for your annual auto insurance policy.


You can also lower your safe car insurance rate by choosing one single insurance company for all of your insurance requirements. For example, if you purchase life insurance, home insurance and auto insurance from the same company, be sure to ask for a multi-policy discount.


Link Between Vehicle Safety Ratings & Insurance Rates

You may be wiser to spend a little extra money to purchase a vehicle with a higher safety rating; it can often save you money every single year on your auto insurance payments. Even more importantly, looking for a vehicle that contains advanced safety features may save your life if you are ever involved in an accident.

Most insurance companies offer safe auto insurance discounts according to the probability of a crash or the safety factor of your vehicle. Certain car manufacturers produce vehicles that contain very similar model names, but are rated very differently. Therefore, make sure your insurance provider has an accurate rating for your car. For example, you may be charged a different rate for your safe auto insurance, depending on whether you drive a four-door or two-door model of the same vehicle. The American Insurance Institute for Highway Safety or IIHS is one organization that conducts crash tests to determine the rates of safe auto insurance policies. The tests evaluate the structural design of different vehicles during frontal offset crash tests that occur at 40 miles per hour.


 











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