What would you do for a car insurance discount?
Nearly two-thirds of drivers said they would allow an insurance
company to install a breathalyzer in their cars - nearly twice the
percentage who would allow a cellphone disabling device, a new
CarInsurance.com commissioned a survey of 500 licensed drivers
about steps they would take to save money on their car insurance
bills. Even the least popular suggestion -- an onboard observation
camera -- would be embraced by 20 percent of discount-seekers. Here
are the results:
- 64 percent would let an insurance company install a
breathalyzer in their cars.
- 39 percent would let an insurance company install a
- 37 percent would install a cellphone disabling device.
- 28 percent would let an insurance company limit how fast
their car can go.
- 27 percent would severely restrict their driving miles.
- 24 percent would severely restrict when they drive.
- 20 percent would let an insurance company install an
There are no outright discounts for
cellphone disabling devices
-- though, of course, a driving record free of DUIs and cellphone
tickets is helpful if your aim is cheaper rates. No one will give
you a break for a speed governor or an in-car camera, either. One
company does offer a dash-cam to
worried parents of teen drivers
But there are indeed discounts for installing devices that
monitor your driving habits, the number of miles you drive and the
hours of the day that you are on the road -- and the discounts can
be substantial. Most major insurers have a "pay-as-you-drive"
program, such as Progressive's Snapshot or Allstate's Drive Wise.
All look at mileage, but others also monitor driving behavior such
as braking and acceleration. (See "
Pay-as-you-drive insurance plans
Drivers in the survey were also asked about discounts for safety
- 70 percent said anti-lock brakes would result in a
- 80 percent said collision-avoidance systems would result in a
- 31 percent said voice-operated controls for navigation, phone
and e-mail would result in a discount.
Of those three items, only antilock brakes typically result in a
discount. (Newer technologies take quite a while to gain traction
with insurance companies.)
See a complete Guide to Discounts for information on the
discounts available for your profession, education, marriage,
military service and even good grades.