Your Car Can Save You Money on Car Insurance

Updated: January 2022

The car you add to your insurance policy influences how much you pay, both when it comes to rates and discounts. Generally, the safer your vehicle is, the more you can save. Here are some of the most common car-based discounts:

Safety Feature Discounts

The safer your car is, the more you’ll save. Both for your own safety and for your wallet’s sake, making sure the car you drive has updated safety features can have a big effect on your driving life. Safety feature discounts include:

  • Anti-Theft System Discounts: You’re not the only one worried about preventing break-ins and theft from your car -- insurance companies are too. Car alarms, steering wheel jacks, and other theft prevention features on your car can get you a discount.
  • Anti-Lock Brakes Discounts: A common feature for newer vehicles, having anti-lock brakes is another way to save on your insurance.
  • Passive Restraints Discounts: Side airbags, full-frontal airbags, and automatic seatbelts can all earn you extra discounts as well, particularly when it comes to medically focused coverage types such as PIP or MedPay.

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Car-Focused Discounts

Aside from safety features, the cars you include on your policy can earn you further discounts:

  • Multiple-Vehicle Discounts: If you have multiple cars to add to your policy, that’s an easy discount. This is a great option for households with multiple drivers.
  • Newer Vehicle Discounts: As a means of encouraging safer vehicles, many companies offer discounts to drivers with newer cars.

What car-based discounts come down to is this -- insurers want to mitigate risk as much as possible and ensuring that drivers are in safer cars makes that easier. While a new car is of course an expensive investment, it’s nice to know that it can at least help you get less expensive car insurance.

Depending on your vehicle, you might be eligible for one or more of the discounts we mentioned above. Every insurance company offers different discounts, so your mileage will vary. After comparing the best insurance quotes on our site, we suggest taking the time to research each of your top picks to see who might have the most discounts that work for you.

Saving on car insurance doesn’t have to be difficult -- could save you up to $744*/year. Once you fill in your zip code, we’ll find you the lowest rates available so you can start saving today!

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