Hendrick Collision Jimmie Johnson Chevrolet

Car Modifications That Can Save You $$ On Your Insurance

Car insurance is one of those necessary expenses that come along with vehicle ownership, along with registration fees and maintenance costs. At Hendrick Collision Jimmie Johnson Chevrolet, we know that everyone in San Diego, CA and all over the country desire good insurance and reasonable rates. So, here is a blog about how to save money on your car insurance by making some smart modifications to your car.

No, we're not talking about things such as window tinting, a high-end sound system, an engine rebuild or the addition of a bike rack, but if you recently installed any new vehicle safety features, you just might qualify for an auto insurance premium discount.

So, here are a trio of vehicle modifications that can potentially lower your monthly auto premiums:

1.) Electronic Sound Alarm Systems

Not all new vehicles come with anti-theft systems, so people who own cars that don't have them will logically be paying more for their insurance. If you have to regularly park a car on a public street while you’re elsewhere for extended periods of time, your vehicle is in jeopardy, especially in some parts of the country. Without an alarm system, you are at risk, so adding an aftermarket one is something to seriously consider. When you do install it, contact your insurance company accompanied with the proper documentation and watch your premiums go down.

2.) Stolen Vehicle Recovery Systems

I had an old Toyota back in the early 1990s and it barely ran, but one day it was gone. When you get a vehicle stolen, it is something you will never forget. Some of the leading stolen vehicle recovery systems on the market currently (LoJack, Spireon and www.hum.com) work well, so check them out before finding the right one for you. Not only is the recovery system useful in possibly getting your car back, insurance companies will give as much as 10% off on your insurance premiums if you have a recovery system installed.

3.) Kill Switches

If your car is parked in an uncovered parking area every night, it’s definitely vulnerable to car thieves. Not only are you in danger of getting your vehicle taken day or night, you also run the chance of paying out a higher insurance premium as a result. If you install a kill switch in your car, your premiums are likely to go down, depending on the company. Why?  Because a kill switch disrupts the flow of electricity at the battery or ignition switch or disables the fuel pump completely. Any of these will quickly frustrate all of the bad guys into moving on to a much easier target, so get one today and watch your rates go down.

By installing safety features in your vehicle, your insurance company will mark the vehicle as better protected and will lower your insurance premiums as a result. .

Sources: AAA, IIHS and Forbes