5 Ways to Find the Cheapest Car Insurance

This is a guest post by Lois Turney.

 

For most drivers, car insurance is a necessary expense for the monthly budget. Not only is auto insurance required by law in most areas, but it can also be a smart way to protect yourself, your family, and your financial security. Without adequate insurance, you may find yourself in an accident with no way to pay for the damage. Although many of the ways to reduce your monthly payments include personal history and location, the car you drive can also play a part in the cost of your insurance. Here are five features that will lower your monthly auto insurance payments.

1. Airbags

Although most cars have airbags to keep drivers safe, not all have passenger bags as well. Since airbags are proven to keep drivers and passengers safe, car insurance companies recognize that those cars fully outfitted with airbags are less likely to file expensive claims in the future. Look for more than just a single airbag, however. You will ideally have side airbags and knee airbags for the best safety in your car and the best discounts on your auto insurance each month.

2. Anti-Lock Brakes (ABS)

Even the best drivers can’t react as quickly as the technological features found in some cars. Anti-lock brakes are just one example of a vehicle addition designed to prevent accidents before they happen. With anti-lock brakes, you can stop faster, avoid crashes, and ultimately avoid costly accidents or medical bills to claim under your insurance. To take advantage of lower monthly vehicle insurance payments, make sure you have anti-lock brakes in your car. Geico will actually reduce your collision insurance by 5% if you have four wheel ABS.

3. Anti-Theft Features

One of the biggest expenses for auto insurance companies are the costs that arise when customers have their cars stolen. By taking steps to prevent car theft, you can save money on your monthly insurance payments. Features like a steering wheel lock, a vehicle recovery system, or even a car alarm might be expensive up front, but you can reap the rewards in lower premiums as well as a reduced chance of theft in the future.

4. Electronic Stability Control

The new technology that created electronic stability control for vehicles is a wonderful way to keep drivers and passengers safer when behind the wheel. Thanks to sensors, this stability control helps to reduce skidding on the road, spinning out, and ultimately losing control. Cars that have electronic stability control will typically cost more, but your insurance may be up to 15% cheaper as a result.

5. Blind-Spot Warning

One of the biggest causes of accidents in cars is when drivers cannot see the cars directly behind them. A blind-spot warning system works to alert drivers when there is a car just out of vision. This is not a standard feature in all new vehicles, but it is worth the added expense.

If you have one or more of these safety and security features in your vehicle, be sure to contact your auto insurance company to find out if you are eligible for any additional discounts on your premiums.

Author Bio: Lois Turney is a freelance writer for www.carinsurance.org.uk, a website that can offer you affordable deals on car insurance.