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...

Full Bio →

Written by

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Mar 13, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

When you decide to purchase a new or different car there are many things to consider, such as how much you can afford and which features you can do without. Anti-lock brakes are one of the options you should strongly contemplate because this feature can actually lower your car insurance rates.

As car insurance manufacturers become more aware of what drivers need to stay safe on the roadways, many features that used to be deemed optional are now standard on most vehicles. Anti-lock brakes, however, are still a choice you have to elect for yourself and your unique traveling situations.

What are anti-lock brakes?

Let’s face it. It’s tough out there on the roads. Undesirable road conditions, inclement weather and uncertainty about what the people driving near you are doing, can all add up to dangerous and sometimes life-threatening situations every time you hit the road. Any edge can be helpful and anti-lock brakes are one selection that can be especially beneficial.

Anti-lock brakes are designed to keep your wheels moving in the event of a hazard, making it easier for you to stay in command of the car while regaining control. This is particularly useful during rainy or icy circumstances as well as in unexpected dangers such as road maintenance.

To explain, it might be helpful to understand how they work. Any time you put pressure on your car’s brakes, it acts as a signal to send brake fluid to the wheels. How much fluid is sent depends on how much and how often you press the brake pedal. When the brakes lock, it prevents the wheels from moving and continuous pumping of the brakes is the only way to prevent this.

In some conditions, locked brakes can result in a deadly situation. If your car is sliding on ice, for example, not being able to move the wheels can cause your vehicle to spin uncontrollably and leave you at the mercy of anything in your path. Anti-lock brakes work to keep this from happening because they inhibit the brakes from locking, and instead of pumping the brake, you simply hold it down while focusing your efforts on guiding the car out of harm’s way.

You could already have anti-lock brakes and not be aware of it, especially if your vehicle was pre-owned or passed down from a friend or family member. To be sure, you can check the specifications for your particular vehicle or see if there is a symbol for it on your dashboard. It is also important to find out whether your anti-lock braking system covers two or four tires. There could also be a slight change in the feeling of the car when the system is in use, which you can sometimes feel when you are sensitive to the performance of your car.

The anti-lock braking mechanism has been used on automobiles since the 1960s and have been increasing in popularity ever since. According to the International Institute for Highway Safety, they are now standard on more than 80% of cars built today.

What features will lower car insurance rates?

When dealing with the ever-changing road, everything you can have to help you avoid or survive an accident is worth it. Better still if it serves to lower the cost of those monthly car insurance bills. Having anti-lock brakes on your vehicle is one such opportunity.

Among the other available options that will help to lower insurance rates are side air bags, which provide a cushion between you and car in the event of a collision. In addition, you may also get a reduced quote if your vehicle has an electronic stability control system. It is intended to keep your car from rolling over due to a loss of control.

Car insurance companies may also offer discounts for having a laminated windshield. This will lessen the amount of damage from an accident because it helps to protect the windshield from breaking or shattering, resulting in fewer injuries from cut glass.

How are car insurance rates determined?

In all states, it is mandatory to have insurance for any vehicle on the road or in the water. Many factors are used to establish how much each individual will pay for insurance. Some of the most common aspects used to determine insurance rates include the:

  • Type of vehicle and how safe it is
  • Age of the primary driver and anyone else that may drive the car
  • Previous driving record of the car owner
  • Where you live

What are the best ways to stay safe while driving?

Perhaps one of the most important things to remember while driving is to concentrate on driving, despite numerous other distractions such as additional people in the car with you, food, and technological devices. Also, driving safely means paying close attention to your speed, keeping a good distance between your car and the one in front of you, and making sure your vehicle is in top condition. Also, if the weather is bad, stay off the roads if possible. Even the best cars and braking systems cannot avert all accidents.