Passive Restraint Discounts

When Chuck turned sixteen, his grandmother decided to give him her old car as a birthday gift. Chuck was thrilled. Her car was a 1993 Nissan Altima, and although it was old, she'd maintained it well. Chuck couldn't wait to get the keys and take it for a spin. When he first slid behind the wheel, he loved everything about the car, except those darn automatic seatbelts. He wasn't used to them and he was always getting hit in the head, and whenever he wanted to sit at Lover's Lane with his girlfriend, they had to reach up and manually disengage the shoulder belts. It always ruined the moment!

Are Those Belts Good for Anything?

Like most teenagers, Chuck hadn't considered car insurance rates when he accepted the keys to his new car. His parents agreed to pay half, but it was still a hefty amount for Chuck to pay. He worked after school flipping burgers, and paying for his insurance was seriously cutting into his ability to take his girlfriend out on the kind of fancy dates that she liked. Chuck asked his parents for advice, but they didn't really give much thought to car insurance. They just paid the bill when it came and kept themselves legal.

Chuck was starting to consider selling his car and going back to borrowing his mom's car when he had somewhere to go. One day he noticed that Danny, a guy in his class, had a really nice sports car. Chuck didn't know much about car insurance, but he knew that tricked-out sports cars cost more to insure than cars like his Altima. He caught up to Danny during lunch and asked him how he could afford car insurance on his fancy car. Danny told him that the secret was to get every little discount that car insurance companies offer.

Asking for Those Discounts

Danny told Chuck that he saved money because he was a straight-A student, and also because he had a car alarm. It didn't hurt that Danny's father was a hot-shot lawyer, though. Even so, Danny had put an idea in Chuck's head. Chuck didn't get the best grades in the world, and he didn't have a car alarm, but he decided to see if there were any discounts that would apply to him. When he got home from school, Chuck got on the internet and found out that passive restraints, like his automatic seat belts, could qualify him for a discount. Finally something to like about those belts!

Chuck promptly called his car insurance company and asked if they offered a passive restraint discount. The company that he was using didn't offer that discount, so Chuck got back online and found a company that did. He never realized that using his parents' company without doing any shopping around was costing him money. With his new company, his car insurance rates were much lower. Using sites like this one to comparison shop can help you find the best deal. Find a company that lets you take advantage of discounts and saves you money. You might be surprised how much you can save.