Passive Restraint Discount

A passive restraint is any feature of a car that operates without the driving doing anything to restrain driver sand passengers during accidents. Examples include locking seat belts, but the most well known feature in cars is the airbag. You can get an insurance discount if you have any of these passive safety features, since passive restraints lessen the chances of serious injuries, which also lessens the chances of large claims. You can learn more about discounts below.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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These days, it is almost impossible to find an automobile that does not come with some sort of passive restraint system in place. Motorists who own vehicles that have automatic seat-belts or driver-side and passenger-side airbags can receive a passive restraint discount.

Numerous automobiles come pre-packaged with some sort of passive restraint system, usually in the form of motorized seat-belts or airbags (which are usually installed on the assembly line).

Restraint systems discounts are just one of the car insurance discounts you should be aware of in order to get the best deal on car insurance. You can compare auto insurance rates with our FREE search tool.

How can I get a passive restraint discount?

There are a lot of discounts available to drivers, and discounts for restraint systems are among the most common since most vehicles can qualify.

In fact, it’s one of the biggest discounts available at a lot of auto insurance companies. You can save up to 40% just by having these safety features in your vehicle.

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Do you qualify for a passive restraint discount?

Passive Restraint Systems are defined in one of the following ways:

  • A system that is constantly operating while a driver sits inside the automobile and the vehicle is in motion
  • A system that restrains the individuals within from moving if a collision occurs
  • A system that deploys automatically without any intentional action having to be undertaken by any of the individual(s) inside of the vehicle

Airbags are one of the most popular restraint systems found in modern-day vehicles. And the more secure your airbag system is, the more likely you are to receive a very large passive safety features discount. For example:

  • Driver-side  airbag installations get a 20% premium discount on average
  • Driver-side and passenger-side airbag installations get a whopping 30% discount on average

In the event of a serious accident, your restraint system will help protect you and any other passengers in your vehicle against serious injury. Airbags are designed to inflate on impact, preventing you from dangerously high impact levels.

Once airbag construction in vehicles became widely popular, automobiles with automatic seatbelts started to go out of fashion. However, if your automobile was made before 1995, is still in good condition, and doesn’t have too many miles on it, your automatic seatbelts might get you a safety feature discount as well.

Can you qualify for additional discounts for your safety restraints?

In addition to an overall premium reduction, you might be eligible for a 10-25% discount on the areas of your policy that cover bodily injury to the occupants of your automobile. Some qualifying features include:

  • An airbag built-in in the dashboard or the steering wheel for the driver’s seat position (protects against front-end collisions)
  • Airbags incorporated for both the front driver and the front passenger seating positions (both you and your passenger will be protected from forceful trauma in the event of an accident)
  • Automatic across-torso and shoulders seat-belts (in pre-1995 models) built-in for both the driver and for the front passenger seat

If your automobile was built in 1995 or earlier, make sure its passive safety features conform to federal guidelines. This way, you won’t be missing out on important discounts for the Personal Injury Protection or Supplemental Medical Payments coverage areas of your auto insurance policy.

Get discounts today and save on your car insurance policy! You can compare rates with our FREE search tool right now.

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