For an insurer to compute your rate, a lot of factors are given serious consideration. So getting cheaper rates is all about ensuring that you take steps that make those factors work for, and NOT against, you. We’ll concern ourselves here with things that increase a vehicle’s safety rating and, by extension, your eligibility for cheap car insurance prices…

Safety features in your automobile reduce the likelihood of claims and, where claims are made, reduce the amount claimed. You effectively reduce the risk factor involved in insuring you by a huge margin. Let’s look at the various features and options open to you so you can decide which is worth having.

1. Airbags: You know those bags that spring open when there is a crash, don’t you? They are good because they help protect the driver but in addition, they also help you save some premium dollars.

2. Anti-Lock Brakes: These keep your wheels from getting jammed if something makes you step on your brake suddenly. These will help reduce your stopping distance. But more importantly, they help maintain better control. It good to let your agent know your car has this feature. However, do bear in mind that although you’ll get a discount from most, NOT all insurers give this discount is it’s NOT mandated by law.

3. Theft-Deterrent Features: Good examples of these are keyless entries and car alarms. Thieving rats will generally think twice before going for vehicles with such features.

4. Automatic Seat Belts: There are vehicles that won’t move unless your seatbelts are fastened. This compels anyone who uses the car to take a safety precaution already mandated by law. Discuss with your agent if your car has such extra feature.

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

You can even etch it into your bumpers, fenders, mirrors and windshields. For those who are afraid it might disfigure their ride, get a good artist and make sure they use the right tools.

If you have all these in place, you are sure to get a reasonable discount for them. But the question is “by how much?” This depends on the insurer…

Each insurance company gives a different weighting to each of the factors used to compute your premium. The end result is that there is usually a big difference in quotes given by various for the exact same profile and coverage type. Therefore, get and compare quotes from a wide range of insurers.

If you do this well, you’ll easily get the best price/value.

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