A passive restraint discount is an auto insurance discount for cars with factory-installed airbags or motorized seat belts. Five of the 10 largest insurance companies advertise passive restraint discounts on their websites, with discounts up to 40%, as do several smaller insurers.
Even companies that don’t advertise passive restraint discounts might still charge a lower premium if you have airbags or automatic seat belts, since insurers consider your car’s safety ratings and features when calculating your base rate. Some insurers also refer to passive restraint discounts by another name, like safety feature discount, so read the description carefully.
Companies with Passive Restraint Discounts
Up to 40% on medical-related coverage
Vehicles 1993 and older, with a factory-installed airbag or other passive restraint system
Varies by state; generally, automatic, factory-installed seat belts and airbags
Factory installed airbags
Separate Airbag Discount and Passive Restraint Discount (i.e. automatic seat belts)
More than one airbag
Passive restraint discounts are usually applied automatically, since you need to input your car’s details to get a quote. Insurers will sometimes have prospective customers check a box asking if their car has passive restraint devices added as well. But if you’re unsure whether the discount has been applied, it’s worth checking with your insurance company.
Geico does not have a pay-in-full discount – not an official “discount,” at least. But drivers who pay in full, upfront will save money because Geico charges installment fees if you choose one of their multiple-payment plans. Geico just isn’t clear about how much because the installment fee can change each time you make a payment. Across the industry, paying in full for car insurance saves drivers between 5% and 15%, or around $10 per month.… read full answer
Yes, Geico offers a low-mileage discount. How much you can save depends on your location, driving habits and other personal details, but a comprehensive Consumer Fed study found that Geico customers save an average of 1.3% by driving less than the national average of 12,000 miles per year.
In some cities, like Los Angeles, drivers could save as much as 12.6%, according to the study. But that’s because California state law requires insurers to give annual mileage the second most weight when calculating premiums.… read full answer
Geico also has a usage-based insurance program that you may want to consider. Geico’s DriveEasy app uses your phone’s sensors and GPS to track habits like speeding, phone use while driving, hard braking, mileage, time of day, and more. Geico uses this data to determine a driving score and adjust your premium. This figures to benefit safe, infrequent drivers the most.
Normally, your rates are calculated based on driving history and other factors that can predict how you’ll drive, like your age and credit score. But these are not exact representations of your driving habits. Usage-based insurance programs more accurately reflect your level of risk, so you only pay for the insurance you need. According to Geico, drivers who sign up for the DriveEasy program can save as much as 20% just for registering.
Geico offers a wide variety of programs and discounts to help drivers save on car insurance. The best way to figure out which ones you qualify for and how much you can save is to get a quote.
State Farm is cheap because the company's stellar reputation for customer service and claims support earns them more customers than any other provider. For example, State Farm captured 16% of the market in 2019, writing nearly 40.9 million premiums that year. This volume allows State Farm to offer more competitive rates. State Farm ranked 3rd overall in … read full answerWalletHub’s cheap car insurance review partly because it offers discounts like Drive Safe and Save and Good Student. Plus, State Farm rewards customer loyalty with discounts for insuring more than one car or bundling multiple policies, such as home and auto.
State Farm is especially cheap for safe drivers in particular. That’s because State Farm has special savings opportunities for drivers in this category, such as discounts for drivers who are accident-free or who take driver's education courses. But even though State Farm is among the cheapest car insurance companies, the only way to confirm you’ve found the lowest price is to compare quotes from multiple companies. Your final premium is based on a variety of factors, like your driving record, insurance history, the type of car you drive, and more, and all insurance companies can’t offer the same rate.
To get a personalized quote from State Farm, you can speak to a representative by calling 1 (800) 782-8332.
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