Does my car’s restraint system matter to my insurance company? (2024 Answers)
People often ask, "Does my car’s restraint system matter to my insurance company?" Yes, a car’s restraint system can significantly lower your monthly insurance rates by up to 40%. Cars with passive or active restraint systems, airbags, and other advanced safety features often qualify for these discounts.
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Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
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UPDATED: Nov 4, 2024
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UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
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Does my car’s restraint system matter to my insurance company? Yes, having a vehicle equipped with passive or active restraint systems, airbags, and other advanced safety features can lower your monthly insurance rates by up to 40%. Insurance companies offer these discounts because safer cars reduce the likelihood of severe injuries in an accident.
Safety features play a crucial role in reducing the likelihood of expensive claims, which not only keeps you protected but also lowers your premiums. If your vehicle is equipped with these important safety systems, you’re more likely to get better rates from cheap auto insurance companies. Therefore, it’s important to factor these features into your car selection process.
No matter how much coverage you need, you can find the lowest rates by entering your ZIP code into our free comparison tool.
- A car’s restraint system significantly affects insurance premiums
- Safety features like airbags can lead to insurance discounts
- Monthly rates may decrease by up to 40% with advanced restraint systems
A Restraint System is Important for Vehicle Safety
Passive restraints in your vehicle consist of your seat belts and airbags. While a restraint system can’t help you avoid an accident, it can keep you safer when one occurs. The purpose of a restraint system is to reduce bodily injuries during an accident. For example, a seat belt will keep passengers in place and prevent ejection from the vehicle.
Passive seat belts engage automatically when your car starts or begins to move. While car manufacturers are enhancing safety measures, many drivers still overlook these features. Reading about driving tips for road safety is essential to ensure you’re maximizing the use of these important safety features.
According to the National Highway Traffic Safety Administration, 47% of people killed in car accidents in 2017 weren’t wearing seat belts. Airbags prevent your head from hitting hard surfaces such as the window or steering wheel. Thankfully, most newer cars come with several safety features, including automatic seat belts and airbags.
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Auto Insurance Companies Offer Discounts for Restraint Systems
Auto insurance companies love the safety features of your vehicle. Not only do they prevent severe injury or death, but they also save insurance companies money. Auto insurance usually includes bodily injury coverage if you, a passenger, or another driver are injured in an accident. The greater the injury, the more the insurance company pays out.
Additionally, some insurance providers offer a passive restraint discount for vehicles equipped with advanced safety features. This discount acknowledges the reduced risk of injury when safety features like airbags and seat belts are in place, providing you with potential cost savings on your insurance premiums.
Insurance companies offer incentives for drivers with a restraint system in their vehicles. In fact, all of the top auto insurance companies provide a passive restraint discount. Not all discounts are the same, though. For example, Geico offers a 40% discount, but Nationwide only offers a 20% discount.
Car insurance companies also reward you for safe driving. While drivers with clean driving records receive low rates, drivers with accidents, tickets, and DUIs will see higher rates.
Take a look at this table for comparison. Average annual auto insurance rates from top companies are listed based on driving records. It might surprise you just how much safe driving can save you.
Average Annual Auto Insurance Rates Based on Driving History
| Company | Average Annual Rates with Clean Record | Average Annual Rates with 1 Accident | Average Annual Rates with 1 DUI | Average Annual Rates with 1 Speeding Violation |
|---|---|---|---|---|
 | $3,819.90 | $4,987.68 | $6,260.73 | $4,483.51 |
 | $2,693.61 | $3,722.75 | $4,330.24 | $3,025.74 |
 | $3,460.60 | $4,518.73 | $4,718.75 | $4,079.01 |
 | $2,145.96 | $3,192.77 | $4,875.87 | $2,645.43 |
 | $4,774.30 | $6,204.78 | $7,613.48 | $5,701.26 |
 | $2,746.18 | $3,396.95 | $4,543.20 | $3,113.68 |
 | $3,393.09 | $4,777.04 | $3,969.65 | $4,002.28 |
 | $2,821.18 | $3,396.01 | $3,636.80 | $3,186.01 |
 | $3,447.69 | $4,289.74 | $5,741.40 | $4,260.80 |
 | $1,933.68 | $2,516.24 | $3,506.03 | $2,193.25 |
Avoiding accidents and practicing safe driving will save you money and keep you safe.
Other Auto Insurance Discounts Are Available Based on Your Vehicle
Car insurance discounts are an excellent way to save money on insurance. Discounts based on your car’s safety features are also the easiest to add. Savings based on safe driving are also available. For example, you may be eligible for a safe driver discount of up to 35% if you haven’t had any recent accidents.
A car’s restraint system significantly impacts insurance rates, potentially saving you up to 40% on monthly premiums.
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You can also get a defensive driving discount for taking a course. Many states even let you use the class to remove points from your driver’s license. Other auto insurance discounts include multi-car, multi-policy, continuous coverage, and paperless billing discounts. There are many types of discounts that may be available to you.
Restraint System: What You Need To Know
Car insurance companies offer restraint system discounts because reduced bodily injuries mean fewer payouts after an accident. Your vehicle’s other safety features can also earn you discounts, such as anti-lock brakes and stability control. While restraint systems save you money, they, more importantly, save your life.
Understanding how insurance works can feel complicated, but finding affordable rates doesn’t have to be. Enter your ZIP code for the best insurance rates possible.
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Frequently Asked Questions
What does a safety restraint system mean?
A safety restraint system includes the equipment found in vehicles, like seat belts and airbags, designed to secure occupants and minimize injury risks during collisions. Understanding these systems is crucial for safety auto insurance, particularly when considering passive restraint systems and sanitized passenger restraint features.
What is an example of an active restraint in a car?
An example of an active restraint in a car is an automatic seat belt that actively secures passengers upon the vehicle’s ignition or door closure, ensuring they are restrained before the vehicle is in motion.
What is Geico’s safety restraint device?
Geico’s safety restraint device typically includes features like seat belts and airbags designed to protect passengers during a crash. The Geico defensive driving course highlights the importance of these advanced safety restraint systems. By understanding how they work, you can take advantage of the discounts Geico offers for vehicles that prioritize safety.
What is Geico’s anti-theft device?
Geico offers various anti-theft devices, including GPS tracking systems and alarm systems, that can help prevent vehicle theft and may lead to discounts on insurance premiums.
What is an automatic restraint system in a car?
An automatic restraint system in a car refers to mechanisms like automatic seat belts and airbags that deploy without any action required from the passenger, enhancing safety during a crash.
What is the Chevy service safety restraint system?
The Chevy service safety restraint system consists of seat belts, airbags, and other safety features specifically designed for Chevrolet vehicles to enhance passenger protection. The Chevrolet Camaro auto insurance rates can be influenced by this system, making it important to understand its role in your coverage options based on the keyword.
Where can I find a defensive driving course in NJ with Progressive?
Progressive offers a list of approved defensive driving courses in New Jersey through their website or customer service, allowing drivers to improve their skills and potentially receive discounts on their insurance.
Where is the Farm Bureau located in Lafayette, TN?
The Farm Bureau in Lafayette, TN, can typically be found by searching online for their local office address or by contacting their customer service for specific location details.
Does Geico offer car seat replacement services?
Geico provides car seat replacement services for customers whose child safety seats have been damaged in an accident, which helps ensure the safety of young passengers. As you’ll find in the Geico auto insurance review, this commitment to protecting families is an important aspect of their service. Reading this review will give you further insight into what Geico offers.
What is Geico’s golf cart insurance?
Geico’s golf cart insurance provides coverage for golf carts used for recreational purposes, including liability, theft, and physical damage, ensuring that owners are protected while using their carts.
Where is Geico located in Madison, AL?
Geico has an office in Madison, AL, where customers can obtain quotes and services related to auto insurance and other products. Check the Geico website for the exact address.
What are the reviews for Geico’s golf cart insurance?
Reviews for Geico’s golf cart insurance generally highlight its affordability and comprehensive coverage options, though it’s best to check customer reviews on independent sites for a balanced view.
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What discounts does AAA offer for passive restraint systems?
AAA provides discounts on auto insurance premiums for vehicles that feature seat belt restraint systems, including airbags and automatic seat belts, as these systems enhance passenger safety.
Is there a government-mandated auto insurance discount for seniors?
Yes, some states offer government-mandated auto insurance discounts for seniors who complete approved safety courses or who have maintained a clean driving record reflecting their experience.
What is the GMC service safety restraint system?
What are the reviews for National Automotive Brokerage Services?
National Automotive Brokerage Services generally receives mixed reviews, with some customers praising their competitive rates while others express concerns about customer service. Check online for detailed feedback.
What issues arise with the Tesla passenger safety restraint system fault?
Issues with the Tesla passenger safety restraint system fault may include false alerts indicating that a passenger is unbuckled when they are, or in some cases, malfunctioning airbags. Tesla continuously updates software to address these problems.
What are the different types of vehicle restraint systems?
Different types of vehicle restraint systems include active restraints like seat belts and airbags and passive restraints such as side-impact airbags and crumple zones designed to protect occupants during collisions.
Does USAA offer a discount for taking a defensive driving course?
Yes, USAA offers discounts for members who complete a state-approved defensive driving course. As noted in the USAA auto insurance review, this initiative promotes safer driving habits while reducing insurance premiums. Reading this review will help you understand how these discounts benefit your insurance costs.
What is the USAA defensive driver discount?
The USAA defensive driver discount is a premium reduction for policyholders who complete an approved defensive driving course, demonstrating their commitment to safe driving.
Where is Wells Insurance located in Wilmington, NC?
Wells Insurance is located in Wilmington, NC, and provides various insurance services. You can find their address and contact information on their official website.
What discounts are available for passive restraint safety equipment?
Many insurance companies offer discounts for vehicles equipped with passive restraint safety equipment, such as airbags and automatic seat belts, as they enhance safety for drivers and passengers.
Finding affordable car insurance doesn’t have to be a challenge. Enter your ZIP code into our free comparison tool to find the lowest prices in your area.
What dangers are associated with a vehicle that has passive restraints?
Vehicles with passive restraints may still pose dangers if the restraints are not functioning correctly, as they can give drivers a false sense of security and lead to underestimating the need for additional safety measures.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.