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Seatbelts and Car Insurance

It’s been proven time and again that seatbelts save lives, but some people still refuse to wear these important safety devices. People may say that seatbelts are uncomfortable, that they wrinkle their clothes, or that they don’t want to be pinned inside the car if they happen to go off the road and land in a lake. None of these excuses are acceptable. If safety and protection aren’t adequate reasons to wear a seatbelt, however, perhaps affordable car insurance is.

When you call a provider or broker to obtain an auto insurance quote, they will ask about your driving record and any infractions. Many people mistakenly believe that only past claims, speeding tickets, or DUI’s will cause auto insurance rates to go up, but that’s not the case. If you have been ticketed for not wearing a seatbelt, it’s quite possible that you’ll have to pay more to insure your vehicle. Insurance providers know that seatbelts prevent serious injuries, so those who choose not to wear them are considered a higher risk. Saving on your auto insurance is just one more reason to buckle up.

The types of seatbelts you have in your vehicle can also help you obtain more affordable car insurance. Specifically, your auto insurance premiums will usually be lower if you have an automatic seatbelt system in your vehicle. These systems can consist of automatic shoulder belts and manual lap belts or automatic shoulder and lap belts. If you have this type of system in your car, be sure to mention this when you are shopping around for auto insurance.

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