Car insurance is a significant expense for many drivers in Oklahoma. However, you can take advantage of various discounts that may lower your premium. One of the most effective ways to score significant savings is by installing safety equipment in your vehicle. Insurers often reward drivers for taking proactive steps to enhance their safety on the road.
In Oklahoma, numerous car insurance companies offer discounts specifically for vehicles equipped with safety features. These discounts aim to encourage responsible driving habits and reduce the number of accidents. Below are some key safety equipment upgrades that can lead to discounted car insurance premiums:
1. Advanced Driver-Assistance Systems (ADAS)
Installing ADAS in your vehicle can significantly improve your driving safety. Features such as lane departure warnings, adaptive cruise control, and collision avoidance systems are highly valued by insurers. Many companies provide discounts ranging from 5% to 20% for vehicles equipped with these advanced systems, as they are proven to reduce the risk of accidents.
2. Anti-Theft Devices
Theft is a common concern for car owners, making anti-theft devices a popular safety enhancement. Installing a car alarm, GPS tracking system, or a steering wheel lock can qualify you for substantial discounts. Insurers often offer savings of 10% to 15% if your vehicle is equipped with these security features, reducing the likelihood of theft and its associated costs.
3. Electronic Stability Control (ESC)
Many modern vehicles come equipped with Electronic Stability Control, which helps prevent skidding and loss of control during adverse driving conditions. If your vehicle has ESC, make sure to inform your insurance provider, as you may be eligible for discounts that can lower your premiums by up to 10%.
4. Airbags
Vehicles equipped with advanced airbag systems offer enhanced protection during a crash. Insurers recognize the life-saving potential of airbags, and many provide discounts for vehicles with multiple airbags, such as side and curtain airbags. Keep in mind that you could receive a discount of around 5% to 15% for ensuring your vehicle has these safety features.
5. Anti-lock Braking System (ABS)
An Anti-lock Braking System (ABS) can be an essential safety feature that helps prevent the wheels from locking during sudden braking. Insurance companies may reward you with discounts of about 5% to 10% if your vehicle includes ABS, acknowledging the reduced likelihood of accidents due to better vehicle control.
6. Safety Ratings
The safety ratings of your vehicle can also influence your insurance costs. Vehicles that have high safety ratings from organizations like the National Highway Traffic Safety Administration (NHTSA) or the Insurance Institute for Highway Safety (IIHS) may qualify for additional discounts. Be sure to check how your vehicle ranks in safety standards when discussing insurance options.
7. Driver Education Programs
In addition to vehicle safety equipment, completing a driver education or defensive driving course can further enhance your savings. Many insurers in Oklahoma provide discounts of 5% to 10% for drivers who successfully complete these programs, as they signify a commitment to safe driving practices.
In conclusion, installing safety equipment in your vehicle is not only beneficial for your safety but can also lead to valuable car insurance discounts in Oklahoma. By taking proactive steps to enhance your vehicle’s safety, you can enjoy peace of mind while also saving money on your car insurance premiums. Always check with your insurance provider to learn about specific discounts and how you can qualify for the most significant savings possible.
