Can modern car safety features reduce your risk of a crash and will insurance companies reward you accordingly?
Car insurance has traditionally been strongly based on where you live, your age and your crash history but now some insures are looking at the specific safety features you have on your vehicle. Some companies will give a discount if you have anti-lock brakes, day-time running lights, or air bags. If you combine these features the saving can be significant.
But to counter this, detection devices to operate things such as lane departure warning and adaptive cruise control means expensive equipment can be located at the front of your vehicle often in the grille. A small crash can mean a large amount of digital equipment damage.
Allowing insurers to monitor when where and how you drive is also starting to be used.
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