What is the adaptive headlights discount?

When you’re driving at night, you only have a few moments to react to an unforeseen object in the road. An adaptive headlight changes with the environment to enhance your visibility while you drive.

Some car insurance companies reward you for purchasing this innovative technology for your vehicle. An adaptive headlights discount is on average saves drives 5% on monthly car insurance premiums.

Keep reading to learn more about this discount.

If you’re ready to speak with an agent about adaptive headlight discount car insurance quotes, use our free tool to get connected. Enter your ZIP code to get started.

What are adaptive headlights?

Adaptive headlights help drivers be more dynamic on the road and help them to adapt to changing driving conditions.

According to a study done by the Insurance Institute for Highway Safety, adaptive headlights improved reaction times and increased visibility by seconds. This doesn’t seem like a lot, but that’s the time between an accident and safely averting the crash.

Adaptive headlights, either included vehicle when purchased or installed later,  refer to any interactive light that adjusts the light for your visibility. There are several types of adaptive headlights such as the curve-adaptive lights or the automatic high beams.

The Insurance Institute for Highway Safety study also found that adaptive headlight discounts have led to fewer pedestrian accidents.

Keep reading to learn more about how to buy adaptive headlight discount car insurance.

What car insurance companies offer an adaptive headlights discount?

Adaptive headlights help to lower the risk of the road. Companies often offer drivers discounts when they have these gadgets and tools to keep them and others safer and keep claims down.

Here is a list of some companies that offer this discount:

• Amica
• Country Financial
• Farmers
• Liberty Mutual
• MetLife
• NationwideProgressive
• The Hartford
• Geico

If your current provider or one that you are strongly considering isn’t listed, that doesn’t mean you won’t benefit from adaptive headlights.

The reason that adaptive headlight discount car insurance quotes are lower, is because it’s a safe driving tactic. So, be sure to ask your provider for a list of safe driver discounts.

Keep reading to learn more about how to get these discounts.

How can I qualify for an adaptive headlight car insurance discount?

In order to qualify for these savings, adaptive headlight discount car insurance companies will need verification of the technology in your vehicle. This will also determine which discount you qualify for, as rates may vary depending on which headlights you have.

Car insurance questions may be hard to answer due to varying factors based on company and state. Where you live may also affect whether you qualify for the adaptive headlights discount.

How much can I save with an adaptive headlights discount?

Adaptive headlight discounts will vary depending on the company. There are companies, like Liberty Mutual, that offer a 5% discount, and then others, such as The Hartford, that offer a 3% discount.

While these discounts may not seem like much, often they are wrapped with other defensive driver discounts. Be sure to ask your car insurance provider what is available.

The Bottom Line

Adaptive headlights can give drivers between 3% to 5% discount on their car insurance. But also, adaptive headlights help you to stay safe and alert on the road.

Adaptive headlights can be features built into a car when you buy it, or something that you purchase later. Either way, these are accessible tools that may help you save some money on coverage.

Adaptive headlight car insurance rate discounts may be available in your area. Enter your ZIP code to speak to a local agent about your savings.