Beat the Insurance Blues: Get These Features On Your Car and Save

We’ve all seen the ads for Geico telling us we COULD save 15% in 15 minutes. Why is that? Because all insurance companies have their own algorithms for determining premiums based on a large laundry list of parameters, some companies can offer you lower premiums. That’s why they say “could.” It’s all a big hoax but you have to give them credit, they have done an amazing job with their ad campaign. If we didn’t have a good insurance company that we’ve been with for many years, we may even be tempted to call Geico. Thankfully we’re not, because they are a terrible insurance company. Quantity over quality to be sure.

That said, what can you do to lower your premiums no matter what company you use? Follow these advice tips and you will no doubt be able to save because no matter the company, they all lower your premiums for these features.



Almost all cars these days come with airbags, but they don’t all use rear airbags. These are really cool features that will not only potentially save your life or the life a loved one, but can drop those premiums down with a simple yes to the question: does you car have rear airbags? If you browse for your new car on, you’ll be able to see what cars do or do not have this feature of the rear airbags. If you see that one car does have them, definitely take note. The savings on your insurance could more than pay for them, even if it’s a feature that you hope you never have to use.

Security Systems


Ever wake up in the middle of the night to that ongoing annoying repetitive car alarm sound that you can pretty much sing along with in your now-broken sleep? Of course you have. Everyone has. And when was the last time you heard that and immediately ran to the window to try to catch an ID on the culprit who is breaking into your neighbor’s car? You haven’t; no one ever has. That alarm is no longer functioning as a way to alert people that something is going wrong. We ignore it. However, insurance companies still for some reason place a value on having a security system in place. So even if you disable it, it can still save you money. Check out which cars come with a security system stock at

Off Street Parking


The best ruse we have to save money is to just tell your insurance company you park off-street. Do you? Hopefully! But even if you don’t, they have no way of knowing if you’re lying or not, so might as well tell them you have off-street parking. It doesn’t save a lot but it saves more than zero. Of course it’s best if you actually do park off street or even better have a garage of some sort, but what they don’t know won’t hurt them.

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