Save on Car Insurance with an Adaptive Headlights Discount
An adaptive headlights discount will save you up to 5% on car insurance as well as keep you safe on the road. Although not every car insurance provider offers adaptive headlights discounts, adaptive headlights technologies like high-beam assist and curve-adaptive headlights may improve your driving record and reduce claims.
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UPDATED: Jun 11, 2021
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- Adaptive headlights improve driver safety
- Adaptive headlights can save you money on car insurance
- Curve-adaptive and high-beam assist headlight technologies may reduce insurance claims
Modern automobiles often come equipped with a variety of advanced safety features designed to keep you and your passengers out of harm’s way. Adaptive headlights are one such feature, and in addition to keeping you safe they can also get you a 5% discount on your car insurance.
This article will describe adaptive headlights as well as explain how you can leverage this safety feature into affordable car insurance premiums.
Ready to look for a car insurance plan with an adaptive headlights discount? Enter your ZIP code into our handy search tool to find local car insurance companies offering discounted rates.
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.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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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.
|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|
|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
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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.