Save on Car Insurance with an Adaptive Headlights Discount
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Adam H. Rosenblum
Principal Attorney
Adam Rosenblum is a founding attorney with over 20 years of experience. His firm, Rosenblum Law, has offices throughout New York and New Jersey. Mr. Rosenblum’s primary focus is on personal injury, criminal defense, and traffic violations. He is admitted to practice in all state and federal courts in New York and New Jersey and is a graduate of Albany Law School. Adam’s extensive experience...
Principal Attorney
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Enhanced Safety: Adaptive headlights, including curve-adaptive and high-beam assist technologies, improve nighttime visibility and reduce the risk of accidents.
- Potential 5% Savings: Many insurance providers offer a 5% discount on premiums for vehicles equipped with adaptive headlights.
- Notable Insurance Providers: Companies like SafeGuard Insurance, Shield Insurance, and SecureDrive Insurance recognize the safety benefits and extend these discounts to policyholders.
- Customized Safety Solutions: Whether you prioritize safe driving, nighttime collision avoidance, or enhanced visibility on curves, adaptive headlights provide tailored safety features.
What are adaptive headlights?
Most drivers are likely comfortable operating traditional headlights, but may be less acquainted with adaptive headlights.
There are two primary forms of adaptive headlights technology: curve-adaptive headlights and high-beam assist.
Curve-adaptive headlights shift focus along with changes in the direction of travel while high-beam assist automatically switches between high and low beam in reaction to the presence of oncoming cars or other objects.
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How much will I save with an adaptive headlights discount?
The following table delivers an overview of advanced auto safety features, including adaptive headlights, and which major car insurance providers offer corresponding discounts.
Car Insurance Discounts for Safety Features
| Companies | Adaptive Cruise Control | Adaptive Headlights | Anti-lock Brakes | Anti-Theft | Daytime Running Lights | Electronic Stability Control | Emergency Deployment | Forward Collision Warning | Green Vehicle | Lane Departure Warning | Newer Vehicle | Passive Restraint |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 21st Century | No | No | Yes | Yes | Yes | No | No | No | Yes | No | Yes | Yes |
| AAA | No | No | Yes | Yes | Yes | No | No | No | No | No | Yes | Yes |
| Allstate | No | No | Yes – 10% | Yes – 10% | Yes – 2% | Yes – 2% | No | No | Yes – 10% | No | Yes | Yes – 30% |
| American Family | No | No | Yes | Yes | Yes | Yes | No | No | No | No | No | Yes – 30% |
| Ameriprise | No | No | Yes – 3% | Yes – 3% | Yes | No | No | No | No | No | No | Yes – 3% |
| Amica | No | Yes | Yes – 5% | Yes – 25% | No | Yes – 5% | No | Yes – 5% for beep warning; 8% for auto braking | No | No | No | Yes – 30% |
| Country Financial | No | Yes | Yes | Yes – 10% | Yes | Yes | No | Yes | No | No | Yes | Yes |
| Esurance | No | No | Yes – 5% | Yes – 25% | Yes | No | No | No | Yes | No | Yes | Yes – 33% |
| Farmers | No | Yes | Yes | Yes | Yes | Yes | No | No | Yes – 5% | No | Yes | Yes |
| Geico | No | No | Yes – 5% | Yes – 25% | Yes – 1% in LA & NY only | No | Yes – 25% | No | No | No | Yes | Yes – 40% |
| Liberty Mutual | Yes – 5% | Yes – 5% | Yes – 5% | Yes – 20% off comprehensive | Yes – 5% | Yes – 5% | No | Yes – 5% | Yes – 10% | Yes | No | Yes |
| MetLife | Yes | Yes | Yes – 5% | Yes – 10% for VIN etching and vehicle recovery | Yes – 5% | Yes | No | Yes | No | Yes | Yes | Yes – 5% |
| Nationwide | Yes | Yes | Yes – 5% | Yes – 25% with vehicle recovery discount | Yes – 5% | Yes | No | Yes | No | Yes | Yes – less than 5 years old | Yes – 20% |
| Progressive | Yes | Yes | Yes | Yes | Yes | Yes | No | Yes – With VIN | No | Yes – With VIN | Yes | Yes |
| Safe Auto | No | No | Yes – 5% | Yes | Yes – 5% | No | No | No | No | No | Yes | Yes – 5% |
| Safeco | No | No | Yes | Yes | No | No | No | No | No | No | Yes | Yes – 2% |
| State Farm | No | No | Yes – 5% | Yes – 15% off comprehensive coverage; Higher discount for "engine cut-off" | No | No | No | No | No | No | Yes – 40% off medical-related coverage for cars '94 or later, depending on make and model | Yes – 40% off medical-related coverage for cars '93 and newer |
| The General | No | No | Yes – 8% | Yes – 8% | No | No | No | No | No | No | No | Yes – 8% |
| The Hanover | No | No | Yes – 5% | Yes – 5% | Yes – 5% | No | No | No | No | No | No | Yes – 5% |
| The Hartford | No | Yes – 3% | Yes – 3% | Yes – 3% | Yes – 3% | No | No | Yes – 3% | Yes – 3% | No | Yes | Yes – 3% |
| Travelers | No | No | Yes | Yes | Yes | No | No | No | Yes – 10%, hybrid or electric | No | Yes – Less than 3 yrs old | Yes |
| USAA | No | No | Yes | Yes | Yes | No | No | No | No | No | Yes – 4% for 3 years; 8% for 2 years; 12% less than 1 year; Not available in NY | Yes |
As you can see, not every car insurance company issues adaptive headlights car insurance discounts. That said, adaptive headlights may pay off in a more subtle fashion by improving your driving record and consequently reducing insurance claims.
According to study results compiled by the IIHS, adaptive headlight technologies may reduce nighttime collisions and improve driver reaction time to oncoming obstacles.
Adaptive Headlights Discount: What You Need to Know
Ongoing innovations in headlight technology won’t just keep you and your family safe – they also can save you money on car insurance.
Not every car insurance company offers discount headlights, so don’t forget to use our free tool to learn if adaptive headlights car insurance discounts are available near you.
Case Studies: Leveraging Adaptive Headlights for Car Insurance Discounts
Case Study 1: Sarah’s Safe Driving Habits
Sarah is a diligent driver who recently purchased a vehicle equipped with adaptive headlights. She was thrilled to learn that her car insurance company, SafeGuard Insurance, offers a 5% discount on premiums for vehicles with adaptive headlights.
Sarah’s commitment to safe driving and the added safety benefits of adaptive headlights helped her reduce her insurance costs while ensuring her safety on the road.
Case Study 2: Mark’s Nighttime Collision Avoidance
Mark frequently drives during nighttime hours due to his work schedule. Concerned about the increased risk of accidents, he decided to upgrade his vehicle to one with adaptive headlights. His insurance provider, Shield Insurance, recognized the safety advantages of adaptive headlights and offered him a 5% discount on his car insurance policy.
Mark’s proactive approach to enhancing his vehicle’s safety features not only improved his driving experience but also helped him save on insurance premiums.
Case Study 3: Lisa’s Enhanced Visibility on Curves
Lisa frequently travels on winding roads with sharp curves. She understood the importance of maintaining visibility in such challenging driving conditions, so she opted for a car equipped with curve-adaptive headlights.
Lisa’s insurance company, SecureDrive Insurance, recognized the reduced risk of accidents associated with curve-adaptive headlights and offered her a 5% discount on her car insurance. Lisa’s choice to prioritize safety on curvy roads not only improved her driving confidence but also led to financial savings on her insurance premiums.
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Frequently Asked Questions
What are adaptive headlights?
Adaptive headlights are a type of advanced lighting technology that adjusts the direction and intensity of the headlights in response to the vehicle’s speed, steering, and other factors. They provide improved visibility and safety for drivers, especially in low-light or challenging driving conditions.
How do adaptive headlights help drivers save on car insurance?
Many insurance companies offer discounts to drivers who have adaptive headlights installed in their vehicles. This is because adaptive headlights are considered a safety feature that can reduce the risk of accidents and injuries, which can lead to lower insurance premiums.
How much can drivers save on car insurance with an adaptive headlights discount?
The amount of savings varies depending on the insurance company and other factors such as the driver’s age, driving record, and location. However, some drivers may be eligible for discounts of up to 5-10% on their insurance premiums.
Do all insurance companies offer adaptive headlights discounts?
Not all insurance companies offer adaptive headlights discounts, but many do. Drivers should check with their insurance provider to see if they offer this type of discount and what the requirements are to qualify.
What types of vehicles are eligible for adaptive headlights discounts?
Most types of vehicles can be equipped with adaptive headlights, including cars, trucks, and SUVs. However, the specific requirements for eligibility may vary depending on the insurance company and the make and model of the vehicle.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Adam H. Rosenblum
Principal Attorney
Adam Rosenblum is a founding attorney with over 20 years of experience. His firm, Rosenblum Law, has offices throughout New York and New Jersey. Mr. Rosenblum’s primary focus is on personal injury, criminal defense, and traffic violations. He is admitted to practice in all state and federal courts in New York and New Jersey and is a graduate of Albany Law School. Adam’s extensive experience...
Principal Attorney
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.