How to Get a Daytime Running Lights Discount
If your headlights switch on automatically whenever you turn on your vehicle, inform your provider, as you could qualify for a daytime running lights discount on your auto policy. Currently, 18 national companies offer affordable daytime running lights discount auto insurance to drivers. Folks save an average of 4% by earning daytime running lights discount auto insurance rates.
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UPDATED: Aug 26, 2021
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- You can earn a daytime running lights discount from 18 national auto insurance companies
- Drivers save an average of 4% on their annual rates by qualifying for this discount
- Through some insurers, the rate reduction only applies to collision policies, not liability policies
If the headlights on your vehicle turn on automatically whenever the engine starts, you might qualify for a daytime running lights discount on your auto insurance.
Keep reading to discover what companies offer this deal to customers and find out how stacking auto insurance discounts can help lower rates for all drivers, regardless of your age, driving record, and coverage needs.
After you learn about affordable daytime running lights discount auto insurance quotes, remember to enter your ZIP code into our free tool above to compare rates from the leading providers near you.
What auto insurance companies offer a daytime running lights discount to drivers?
You can earn daytime running lights discount auto insurance rates from 18 national companies.
Drivers save an average of 4% on their annual premiums by qualifying for the daytime running lights discount.
To help you determine if you’re already using a daytime running lights discount auto insurance company, look through the complete list below:
- 21st Century Auto Insurance Company
- AAA Auto Insurance Company
- Allstate Auto Insurance Company – 2%
- American Family Auto Insurance Company
- Ameriprise Auto Insurance Company
- COUNTRY Financial Auto Insurance Company
- Esurance Auto Insurance Company
- Farmers Auto Insurance Company
- GEICO Auto Insurance Company – 3%
- Liberty Mutual Auto Insurance Company – 5%
- MetLife Auto Insurance Company – 5%
- Nationwide Auto Insurance Company – 5%
- Progressive Auto Insurance Company
- Safe Auto Auto Insurance Company – 5%
- The Hanover Auto Insurance Company – 5%
- The Hartford Auto Insurance Company – 3%
- Travelers Auto Insurance Company
- USAA Auto Insurance Company
It’s possible that local agencies near you also provide this savings opportunity to customers.
Also, not every company is active or available in every part of the country.
Auto insurance laws where you live, your age, and your driving history impact your annual insurance prices as well.
So to accurately secure your cheapest rates, compare quotes online from multiple providers and remember to ask about additional auto insurance discounts.
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What is a daytime running lights discount?
A daytime running lights discount is a safety discount because the technology actively reduces your accident risk while driving.
Drivers save 4% on average by earning this deal. But typically, the discount only applies to collision policies, not the liability coverage often required by state laws.
So if you don’t purchase collision insurance, you may not be eligible for this savings opportunity.
To qualify, inform your insurance company that your vehicle uses this safety feature and ask for a reduction.
It’s best not to assume your provider knows every deal you’re eligible for, as many times deals do get missed.
Fortunately, safety discounts like this usually stack with other deals, leading to more significant savings.
Which feature on your car is worth a discount on your auto insurance? Anti-lock brakes, VIN etching, electronic stability control, and vehicle recovery systems usually reduce rates.
But you can earn driver and loyalty discounts as well. So consider asking about the following:
- Claim-free discount
- Group or membership discount
- Low-mileage discount
- Multi-car discount
- Multi-policy discount
- Newer vehicle discount
- Safe driver discount
Do more safety features lower auto insurance rates? On average, safety and anti-theft discounts add up to about 8% savings on your annual rates.
The rate reduction is minor because many drivers do not invest in collision and comprehensive coverage, the two types of policies most often reduced by these deals.
Do daytime running lights work?
Interestingly, daytime running lights (DRL) safety statistics and research are somewhat inconclusive.
Initially, a 2008 study by the National Highway Traffic Safety Administration (NHTSA) suggested the headlights made little to no difference for driver safety.
But a 2010 study conducted in Minnesota using data from the 1990s and early 2000s found a significant reduction in collisions.
As a result, the Insurance Institute for Highway Safety (IIHS) introduced more rigorous headlight testing in 2016.
Today, at least 10 vehicle manufacturers improved their headlight options and eliminated or modified the inferiorly rated lights.
But what are DRLs, and how do you know if your vehicle uses them? You can check your vehicle user manual or turn your car on.
DRLs stay on whenever your car engine starts to promote visibility, even during the daytime.
If your headlights light up when your engine ignites, you likely have DRL technology installed on your vehicle.
Another tell is if you cannot turn your lights off using your dashboard. DRLs are also purposefully not as bright as ordinary headlights.
Today, daytime running lights typically come standard on most newly manufactured vehicles even though the technology is not legally required.
Daytime Running Lights Discount: The Bottom Line
Fortunately, your vehicle’s daytime running lights can save you money on auto insurance, even if it’s only a minor rate reduction.
Because it’s so common among companies, this is one of the auto insurance discounts to ask for to help you quickly save money.
Even teenagers and drivers that are considered to be high-risk qualify for this savings opportunity.
Besides earning a discount, daytime running lights help you save money in other indirect ways. The tech limits your accident risk, which means you’re less likely to file any claims in the first place.
Now that you know where to buy daytime running lights discount auto insurance, compare the best prices from the top companies near you by entering your ZIP code into our free rate tool below.