If you're buying a new car, there are plenty of options out there. But when cars become more complex, so can the price of protection.
Consumer experts say features like On Star Systems, built-in child safety seats, fpur wheel drive, HID Headlights, and sensor detectors could, in some cases, actually make your insurance premium higher because if it is damaged in an accident, it costs more to replace or fix.
In Texas, none of those options will provide you any discounts.
"Those are more personal preferences," says insurance agent Jim Toman with Allstate.
Jim admits many safety features offered today are worthwhile. In fact, he has On Star on his car.
"I feel more comfortable knowing I have some way of getting help simply by pushing a button," says Jim. "Unfortunately, it doesn't save me any money on my insurance policy but it gives me peace of mind."
Two safety features guaranteed to lower your premiums are airbags and anti-lock brakes. If you still want lower rates though, Jim offers these tips.