Unfortunately, but it is true that vehicle insurance companies are not always in your best interests. Smart local policy-shoppers need to be aware all discounts available to them and to their vehicle.
Let’s get started:
Part 1: Austin AUTOMOBILE INSURED– SAFETY FEATURES
1. DRIVER AND PASSENGER AIRBAGS
Austinites are equipped with either side or front airbags to protect the driver or passenger. This feature is standard on many cars, including the Volkswagen Beetle. Here is a complete list of airbag types:
Frontal – Driver-side Airbags
Side Airbags for Drivers – Great safety feature
– Passenger-side Airbags Frontal – Like on the new Chevrolet Avalanche
-Passenger-side Airbags (Side)
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2. BELT PASSIVE RETRAINTS
These are the most common form of safety device for Austinites. Passive restraints can be described as automatic safety devices such as:
1. Automatic Seatbelt systems
2. Slider Door-mounted belt systems
3. You can also find advanced seatbelt systems in the Toyota Scion tC Supercharger.
3. INSTALLED ANTILOCK BRAKES
Surprisingly, almost everyone has them. However, most people fail to mention it to their local Austinite agent. You could miss out on great discounts if you don’t mention these.
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4. AUTO-DAYTIME LIGHTS
This factory-set feature makes it impossible for you to turn off your car’s headlights. This standard is available on certain models of Japanese cars-makers, such as the Nissan Altima.
Part 2: Austin Texas AUTO-INSURANCE SECURITY FEATURES
5. STEERING-WHEEL LOCKING BAR (THE CLUB)
It is commonly known as “The Club” by Austinites. Not all agents offer this discount, since it must be activated manually (physically) and can be easily removed by experienced thieves. Phil, an agent from Progressive, said that while his company doesn’t offer the discount, he knows of other Austin agents who do.
6. AUTOMATICALLY ARMED CAR ALARM
This alarm activates automatically when the Austinite driver locks his or her doors (key or remote control), and even closes his or her doors.
AIG and other large insurers may offer discounts on automatic alarms but not manual-armed ones.
Hot Tip –Could Get You 5% Off Austin Texas Comprehensive
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7. AUTOMATIC CAR ALARM
Phil from Progressive said that most insurance companies offer a 2% discount. This type of alarm must be manually activated by Austinite drivers. They typically use a key-ring remote control or a manual punch pad. This is a manual activation type of alarm, so the discount offered by Austin (TX), auto insurance agencies is either lower or non-existent.
Tip:Could save you 2% on Comprehensive policies
8. VIN WINDOW GLAZ ETCHING
Visit your Austin mechanic to have your Vehicle Identification Number (VIN), etched into the glass of your car’s windows. You can either ask your Austinite dealer, auto hobby shop, or do it yourself.
This discount is not available at all Austin agencies. Make sure you ask.
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9. LO-JACK- AUTO RECOVERY SYTEM
It is known as the “Lo-Jack” by Austinite drivers. It is the most powerful anti-theft device available. It is made up of a transponder, which allows you to track your car by the Austin police. A local driver, we’ll call him John D. policyholder to keep his anonymity, was able to make a $334.46 savings on a bi-annual AIG policy!
Tip:Could save you up to 10% on Comprehensive policies
10. ENGINE ELECTRONIC IMMOILIZER
This factory-installed feature makes it nearly impossible to “hotwire” your vehicle. It cuts off power to the ignition once the key has been removed.
To get a discount, you must be passive (automatically activated).
Austin car insurance agencies may require this security feature to be paired with a regular alarm system (i.e. Both must be present in order to be eligible.