5 Cost-Saving Safety Features

Anti-Theft System

How it works:

Electronic immobilizers: An electronic security device installed in a vehicle to prevent the engine from running unless the correct key is being used Car alarm: • “Passive” alarm activates automatically when the vehicle is turned off and the doors are closed, issuing an audible alert when someone breaks the vehicle’s glass or attempts to enter without a key • “Active” alarm activates when the driver arms the vehicle by turning the system on, typically by clicking a button on a remote1 Vehicle recovery device: A tracking system that allows law enforcement to locate a stolen vehicle

More than 750,000 drivers are victims of car theft each year.2

Electronic Stability Control (ESC)

How it works:

Initiates automatic braking, usually to individual wheels, to help prevent spinning out2 Doesn’t increase traction, but helps the driver to maintain control of their vehicle during extreme steering maneuvers3

In 2015, an estimated 1,949 lives were saved by ESC.3

Passive Restraint

How it works:

Devices such as seat belts and airbags activate by force of a collision or other sudden stop to help prevent injury to drivers and passengers

In 2016, an estimated 2,756 lives were saved by frontal airbags.5

Forward-Collision Warning Technology

How it works:

Alerts drivers with visual or audible signals when a car or object is directly in their path

This feature reduces rear-end crashes by 23%.6

Adaptive Headlights

How it works:

Electronic sensors respond to the driver’s steering to direct light around curves Increases visibility while driving at night or in low-light conditions

In 2016, 9,756 fatal crashes took place under “dark” conditions.7


1 Passive and Active Anti-Theft Systems, Arizona Automobile Theft Authority, 2018. 2 Vehicle Theft Prevention, National Highway Traffic Safety Administration, 2016. 3 Estimating Lives Saved by Electronic Stability Control, 2011–2015, National Highway Traffic Safety Administration, 2017. 4 Electronic Stability Control, SaferCar.gov, 2018. 5 Lives Saved in 2016 by Restraint Use and Minimum-Drinking-Age Laws, National Highway Traffic Safety Administration, 2017. 6 Crashes Avoided: Front Crash Prevention Slashes Police-Reported Rear-End Crashes, Insurance Institute for Highway Safety, 2016. 7 Traffic Safety Facts 2016, National Highway Traffic Safety Administration, 2018. 8 Discounts may vary and may not be available in all states.

Your car may already be equipped to save you money on your auto insurance. If your vehicle has these five safety features – anti-theft device or system, electronic stability control, passive restraint, forward-collision warning technology or adaptive headlights – you may qualify for insurance discounts.1

Want to save even more money on your car insurance? Find out if you qualify for these auto insurance discounts.