3 Ways to Earn Discounts on Your Auto Insurance


We all have expenses and try to save some money where possible. It’s normal. Since we live in difficult times, it makes sense to try and save on expenses where you can.

When it comes to your auto insurance, which you must pay every year, there are ways to save on it, if you know how. Every insurance company offers discounts that drivers can use if you qualify for them.

Not everyone knows about these discounts, though. In this article, we’ll show you three-vehicle equipment-related discounts that most US drivers are eligible to use. Follow up to see what they are, and how to make the most of them.

1. Having an anti-theft mechanism on your vehicle

Did you know that in 2018 there were 748,841 motor vehicles stolen in the US? This number was somewhat average over the last decade, which means in the past ten years, roughly 7.5 million vehicles were stolen.

Given the statistics, having an anti-theft mechanism installed on your vehicle is entirely justified. But did you know you get an additional 5% discount on your auto insurance? All you have to do is provide proof that your vehicle has one fitted.

An anti-theft mechanism isn’t just an alarm. Other security options are also good for a discount. Things like a window identification system, high-security ignition replacement locks, a hidden automatic fuel cut-off switch, an automatic ignition cut-off system, or a tracking system all add up to a discount on your premium.

2. Having a factory-made emergency brake

Driving a car bought in the last few years means you probably have this installed on your vehicle. In 1996, the emergency brake system was first introduced by Mercedes Benz. Two years later, the company made it standard on all of its cars.

If your car comes standard with one of these, you can get a discount. Most people are not aware of this, but if you have it, then why not save on your premium?

To qualify the emergency brake must be factory-installed. This must not be confused with a cruise control system. The emergency brake assists the driver by sensing a possible collision with an oncoming vehicle and without human reaction engages the braking system of your vehicle.

3. Using a blind-spot warning system

Statistics from the National Highway Traffic Safety Administration show that 840,000 accidents occur every year because of blind spots in a vehicle. Some 300 of these accidents prove to be fatal.

If you have a blind-spot warning system installed on your vehicle insurance companies offer a discount on your premiums. 


So how much can you save?

Most equipment-related discounts range from 5% to 20%. If you take the lowest option and have all of the above installed on your vehicle, you are looking at up to a 15% discount on your auto insurance premiums. 

This might not be a fortune, but it will still raise the family budget a little.

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