How to Get a Forward Collision Warning Discount

If you are looking to get a forward collision warning discount for your car, you may not have much luck. Currently there are no companies that are known to offer a discount for a forward collision warning system. Because the system is so new, auto insurance companies need more data to determine whether or not to offer discounts. It is possible that forward collision warning discounts may be available in the future.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 9, 2021

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Things to Remember

  • Auto insurance companies usually don’t offer discounts for forward collision warning systems
  • Newer safety features on cars generally only amount to small discounts
  • The largest auto insurance discounts are for proven safety systems, such as anti-lock brakes, airbags, and stability control systems.

If you have a car with a forward collision warning system, it’s a reasonable assumption that you could get auto insurance discounts. After all, forward collision systems keep drivers safer, so it should factor into auto insurance rates, right?

Unfortunately, this is usually not the case. Auto insurance companies generally don’t offer a forward collision warning discount.

Even if there aren’t many forward collision warning discount auto insurance rates, there are other discounts to take advantage of. Enter your ZIP code in the box above to compare auto insurance rates and find one that fits you.

Do auto insurance companies offer forward collision warning discounts?

Auto insurance companies use market research to determine the rates they should set and which discounts to apply. 

If a safety feature saves lives (and saves them paying money for claims) they will offer discounts. Currently, the data that forward collision warning systems actually make driving safer is not conclusive. That means most companies don’t offer a discount. As more reliable data becomes available, insurance companies may offer discounts.

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Do more safety features lower car insurance?

Having additional safety features on your car is generally a good thing. They not only keep you safe, but many features can help you save money on auto insurance because of discounts.

How much you can save depends on the safety features, type of car, and other factors.

Which feature on your car is worth a discount on your auto insurance?

There are auto insurance discounts to ask for when choosing auto insurance. Unfortunately, insurance companies are slow to adapt, preferring to rely on proven data, which means that the best discounts they offer are for safety systems that have been around for decades.

Some of the major discounts that auto insurance companies offer are for things like airbags, anti-lock brakes, electronic stability control systems, and daytime running lights.

Airbags offer the most significant discount, saving you anywhere from 25-40% on auto insurance. Airbags cushion the blow in an accident, making injuries less severe and have been proven to save lives.

It is unfortunate that there really aren’t many auto insurance discounts for forward collision warning systems yet, but there are other auto insurance discounts to look for. Enter your ZIP code into our free tool below, which allows you to compare rates and find a plan that works for you.

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