When you request an auto insurance quote, providers will consider many different factors. The bulk of your premium, however, will be assessed on the overall risk you present. For instance, having a clean driving record or only driving short distances may lower your rates. However, you might also find that the specific features in your car can help bring down your auto insurance costs. If you’re looking to save money, here are five automotive technologies to ask your insurer about.

5 Vehicle Features That Help Cut Auto Insurance Rates

1. Electronic Stability Control

Electronic stability control, or ESC, is a fairly recent development in automotive technology. Using computer sensors, ESC systems can detect when your car is moving in a direction it shouldn’t be, such as when you’re skidding off the road. The vehicle will then respond to the movement appropriately to avoid or minimize accidents. If you have a model that was made in 2012 or later, your vehicle is likely equipped with ESC.

2. Airbags

Airbags are standard in modern vehicles. Inflating upon impact, these resources can save lives and prevent injuries. For this reason, auto insurance companies value airbags for their ability to reduce personal injury risks. While having front airbags can lower rates, having side airbags may help reduce premiums even further.  

3. Anti-Lock Brakes

Automakers are required to equip all new vehicles with anti-lock braking systems, or ABS. These systems are designed to prevent wheels from locking up when the brakes are applied. This can prevent skidding, especially on slick surfaces, such as rainy or snowy roads.  

4. Daytime Running Lights

Insurance discounts applied for daytime running lights tend to be on the smaller side, but they’re still worth noting. This feature refers to headlights that will turn on automatically, making it so that on-road visibility is preserved and your vehicle remains visible to other drivers. This enhanced visibility can significantly reduce the risk of collisions, especially in severe weather conditions.

5. Anti-Theft & Recovery System

If you have comprehensive coverage—a type of auto insurance that protects against theft-related losses—you may gain a premium discount for having security features installed. Car alarms and tracking devices, for instance, can help keep your vehicle protected so your provider won’t have to help cover the cost of a replacement.

Whether you’re buying a new vehicle or suspect that your rates aren’t as low as they could be, talk to the specialists at Accredited Insurance Group in Omaha, NE. Known for providing one-on-one assistance, these agents will take time to review the specifics of your car, as well as the risks you need to cover. With this dedicated attention, you won’t have to worry about missing out on available discounts, including those that apply to safety and security features. To learn more about their affordable products, visit this independent agency online. For a custom auto insurance quote, call (402) 334-1780.