How exatly are quotes affected by the factor of security?

Insurance is all about safety. When you insure a particular object, you buy financial security for situations when this object gets damaged or destroyed. And it's logic that if there's a higher risk of damaging this object, you'll have to pay more to the insurance company. That's how car insurance works, and that's exactly the reason why you get different car insurance quotes for different cars. The risk of having a crash or theft is higher with some cars and lower with the others. And what's great about this factor is that it can be effectively controlled with the scope of optimizing your costs and getting more competitive car insurance quotes. There's an easy way to do it.

Security of a vehicle has two main aspects. First of all, it concerns the safety of people inside it, which is assured with different gadgets and features such as belts, air bags, special braking systems and so on. The other aspect of security is the safety of the vehicle in question, which concerns theft probability and other potential damage to the vehicle. This aspect can be improved by installing alarm systems and keeping your car in a secure place such as your garage. All these things look pretty much evident to most drivers, however it's surprising how often they are overlooked by car owners. And that's a huge mistake, because these seemingly minor improvements can result in substantial decrease of car insurance quotes.

Even if your car doesn't have all the necessary features to make it really safe from the insurer's point of view this doesn't mean that it cannot be made this way on your own. Just look at the abundance of various alarm systems, anti-theft devices, additional belts, and safety gadgets sold online or at any specialty shop. Some of them may cost only several dozen dollars but can reduce your car insurance costs really effectively. It is important, however, to make sure that the insurer will accept the exact gadgets you want to install, as insurance companies tend to certify only specific gadgets and models when granting security-related discounts.

How much money can you save this way? Well, it usually depends on the particular insurer and the number of improvements you make to your car. If you only install a basic alarm system, it can be a minor discount of several percent. But if you install a whole bundle of safety features and keep your car in the garage instead of the driveway, then your car insurance quotes can drop by up to 20% depending on the company you quote with.

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