Forward Collision Warning Auto Insurance Discount
When it comes to getting a forward collision warning discount for auto insurance, you will likely not find many options. It is unusual to see forward collision warning discount quotes. Because auto insurance companies need data on new safety features to offer a discount, a forward collision warning discount may be more common in the future when new data comes in.
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UPDATED: Jul 15, 2021
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- Generally, auto insurance companies don’t offer many discounts for forward collision warning systems
- Discounts for newer safety features are unusual and generally very small
- The biggest auto insurance discounts are offered for decades-old technologies that have proven to be effective, such as airbags or anti-lock brakes
If your car is equipped with a forward collision warning system, it’s reasonable to assume that you could get a forward collision warning discount on your insurance.
After all, you are less likely to get into an accident with this system, so auto insurance companies should offer discounts to people with this and other advanced safety features.
Bad news: generally, they will not offer discounts or only offer minimal discounts. Still, sometimes a small amount counts, and you can find what works by using an auto insurance calculator.
For forward collision warning discount auto insurance quotes, enter your ZIP code into our comparison tool above. You will be able to compare rates from top companies to look for a forward collision warning discount.
Why don’t companies offer forward collision warning auto insurance discounts?
Every auto insurance company has different rates and offers discounts on different things. This is why it is so important to research auto insurance before you purchase it.
At this stage, neither Allstate nor State Farm, two large insurance companies, offer discounts relating to forward collision warning systems or other advanced driver assistance systems. However, this could change at some point in the future.
Insurance companies rely on data to determine how they will set rates. With new safety features constantly changing or being optional on cars, it is difficult for these companies to make assessments.
Keep in mind that insurance companies are businesses trying to make money. A sensor in the front bumper may make crashes less likely, but in the event there is a crash, that bumper will be much more expensive to replace than one without the sensor.
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Do more safety features lower auto insurance rates?
One of the major things insurance companies do is assess risks to determine rates. Average car insurance rates by age vary. Younger male drivers, for example, are more likely to get into accidents, which means the rates are higher for males under 25.
If your car has features that decrease the chance that you will get into an accident, it makes sense that insurance rates would be lower, right?
Unfortunately, this isn’t the case. Some reasons for this are that new car technology is still expensive for insurers to replace or repair, and the technology still doesn’t negate driver error. Also, current data doesn’t prove that drivers are safer with this new technology.
Which feature on your car is worth a discount on your auto insurance?
Insurance companies can be slow to adapt, so some of the safety features worth discounts have been around for decades. Many of these features have become standard or are required in newer cars, so it is easy to get these features.
Anti-lock brakes, airbags, electronic stability control, and daytime running lights all give you discounts on your insurance. In fact, discounts for anti-lock brakes are required by law in Florida, New Jersey, and New York.
Discounts for features vary, but having anti-lock brakes can give you a 5-10% discount. Electronic stability control can save you around 15% on auto insurance costs. Daytime running lights save you about 1%, so don’t feel too bad if your car doesn’t have them.
Frontal airbags have been required in cars since 1999, and discounts generally increase for cars with more airbags. You can see 25-40% off for cars with airbags. The discount is for medical payments, as airbags cushion the blow of an impact, so injuries are generally less severe.
Now you have some idea of which auto insurance discounts to ask for. There may not be many forward collision warning discount auto insurance rates, but don’t despair. Enter your ZIP code into the box below, and you can compare auto insurance rates to choose a plan that works for you.