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 insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Jun 30, 2021

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Key Takeaways

  • A forward collision warning discount can lower your insurance rates by 8%
  • Only a few major insurance providers offer this discount
  • Other safety features built into your car can earn discounts on your insurance coverage

Have you ever wondered, “Do more safety features lower car insurance?” You’ll be happy to learn that, yes, they can.

Since most car insurance companies want drivers to avoid having accidents, many major providers offer incentives in the form of discounts to their clients who purchase cars equipped with state-of-the-art safety features.

If you own a vehicle that has top-notch safety equipment and features already installed and wish to buy car insurance, a forward collision warning discount, among other types of safety discounts, can lower your rates.

Do you want an insurance company that offers affordable car insurance with a forward collision warning discount? You can find a great provider right away. Enter your ZIP code into our free rate comparison tool above to find insurance quotes in your area today.

What is the forward collision warning discount?

Consumer Reports explains that the forward collision warning system is a relatively new technology that is becoming rapidly common in a variety of makes and models. This warning system alerts you when it senses a foreign body, like a biker or another vehicle, in front of your car so you can avoid an accident.

It’s important to note that not all forward collision warning systems operate in the same way.

Some simply vibrate the steering wheel or alert the driver of an oncoming collision via a noise; however, more advanced versions of this system can slow down the vehicle for you.

This great technology can increase driver safety, and it can also lower car insurance rates. Bear in mind that the type of forward collision warning system that is installed in your vehicle can have an effect on the amount of your discount.

You can reduce your car insurance rates with a forward collision warning discount by as much as 8%, but that figure can vary depending on your insurance provider and which type of forward collision warning system you have equipped in your car.

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Which insurance companies offer a forward collision warning discount?

Drivers who want to buy car insurance with a forward warning collision discount may have to do some research to find the perfect insurance company.

Since the technology is still fairly new, you may be hard-pressed to find a major insurance company with a forward warning collision discount available. Below, you can see that only six of the listed insurance companies offer a forward warning collision discount to their clients.

CompaniesAdaptive Cruise ControlAdaptive HeadlightsAnti-lock BrakesAnti-TheftDaytime Running LightsElectronic Stability ControlEmergency DeploymentForward Collision Warning Green Vehicle Lane Departure WarningNewer VehiclePassive Restraint
21st CenturyNoNoYesYesYesNoNoNoYesNoYesYes
AllstateNoNoYes – 10%Yes – 10%Yes – 2%Yes – 2%NoNoYes – 10%NoYesYes – 30%
American FamilyNoNoYesYesYesYesNoNoNoNoNoYes – 30%
Ameriprise NoNoYes – 3%Yes – 3%YesNoNoNoNoNoNoYes – 3%
AmicaNoYesYes – 5%Yes – 25%NoYes – 5%NoYes – 5% for beep warning; 8% for auto brakingNoNoNoYes – 30%
Country FinancialNoYesYesYes – 10%YesYesNoYesNoNoYesYes
EsuranceNoNoYes – 5%Yes – 25% YesNoNoNoYesNoYesYes – 33%
FarmersNoYesYesYesYesYesNoNoYes – 5%NoYesYes
NoNoYes – 5%Yes – 25%Yes – 1% in
LA & NY only
NoYes – 25%NoNoNoYesYes – 40%
Liberty Mutual Yes – 5%Yes – 5%Yes – 5%Yes – 20% off comprehensiveYes – 5%Yes – 5%NoYes – 5%Yes – 10%YesNoYes
MetLifeYesYesYes – 5%Yes – 10% for VIN etching and vehicle recovery
Yes – 5%YesNoYesNoYesYesYes – 5%
NationwideYesYesYes – 5%Yes – 25% with vehicle recovery discount Yes – 5%YesNoYesNoYesYes – less than 5 years oldYes – 20%
ProgressiveYesYesYesYesYesYesNoYes – With VINNoYes – With VIN YesYes
Safe AutoNoNoYes – 5%YesYes – 5%NoNoNoNoNoYesYes – 5%
SafecoNoNoYesYesNoNoNoNoNoNoYesYes – 2%
State Farm NoNoYes – 5%Yes – 15% off comprehensive coverage;
Higher discount for "engine cut-off"
NoNoNoNoNoNoYes – 40% off medical-related coverage for cars
'94 or later, depending on make and model
Yes – 40% off medical-related coverage for cars '93 and newer
The GeneralNoNoYes – 8%Yes – 8%NoNoNoNoNoNoNoYes – 8%
The HanoverNoNoYes – 5%Yes – 5%Yes – 5%NoNoNoNoNoNoYes – 5%
The HartfordNoYes – 3%Yes – 3%Yes – 3%Yes – 3%NoNoYes – 3%Yes – 3%NoYesYes – 3%
TravelersNoNoYesYesYesNoNoNoYes – 10%, hybrid or electric NoYes – Less than 3 yrs oldYes
USAANoNoYesYesYesNoNoNoNoNoYes – 4% for 3 years;
8% for 2 years; 12% less than 1 year; Not available in NY
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If you had been hopeful that your car’s forward warning collision system would be a sure-fire way to help you save money, don’t worry.

Even though there’s a small number of companies in the market that offer a forward warning collision discount, there are still quite a few other great car insurance discounts you can take advantage of.

If you are eager to save money on your insurance, there are plenty of other features in your car that can help you get a discount.

Which feature on your car is worth a discount on your car insurance?

Being knowledgeable of the wide range of discounts you are eligible for can help you save quite a bit of money.

Whether you are trying to compare quotes for a new vehicle purchase or simply figure out which auto insurance discounts to ask for, there’s a lot to know about discounts.

There several types of vehicle safety features that can get you a lower estimate on your insurance rates. Your car may have some of the features listed below and if so, you should ask your provider if you qualify for a discount:

  • Anti-lock brakes
  • Electronic stability control
  • Adaptive headlights
  • Daytime running lights
  • Adaptive cruise control

These safety features can not only get you a discount on your car insurance, but they can also reduce your chances of getting into an accident while on the road. Avoiding an accident altogether can save you quite a lot of money in the long run.

If your car doesn’t have the safety features listed above, don’t worry. The safety features highlighted are not the only factors that can help you lower your rates.

Take a look at these other discount types that can help you keep your insurance rates low.

Available Insurance Discounts by Type

Vehicle DiscountsDriver/Customer DiscountsPersonal Discounts
Active Disabling DeviceClaim FreeEmergency Deployment
Adaptive Cruise ControlContinuous CoverageFamily Legacy
Adaptive HeadlightsDefensive DriverFamily Plan
Anti-Lock BrakesDriver's EducationFederal Employee
Audible AlarmDriving Device/AppFurther Education
Automatic BrakingEarly SigningGood Student
Blind Spot WarningFull PaymentHomeowner
Daytime Running LightsGood CreditLife Insurance
Economy VehicleLoyaltyMarried
Electronic Stability ControlMultiple PoliciesMembership/Group
Farm/Ranch VehicleMultiple VehiclesMilitary
Forward Collision WarningNew Customer/New PlanNew Address
Garaging/StoringOccasional OperatorNew Graduate
Green/Hybrid VehicleOnline ShopperNon-Smoker/Non-Drinker
Lane Departure WarningOn-Time PaymentsOccupation
Newer VehiclePaperless/Auto BillingRecent Retirees
Passive RestraintPaperless DocumentsStable Residence
Utility VehicleRoadside AssistanceStudent Away
Vehicle RecoverySafe DriverStudent or Alumni
VIN EtchingSeat Belt UseVolunteer
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As you can see, even if your car doesn’t have a plethora of safety features there are many other discounts and strategies that you can employ to remain fully insured without breaking the bank.

You should always inquire about any other strategies an insurance company offers besides any safety feature discounts that can help you to lower rates while you are comparing car insurance quotes.

For example, bundling your insurance policies like home and auto or home, auto, and life all with one company is a great, yet incredibly simple, way to keep your insurance rates low.

The Forward Collision Warning Discount: What You Need to Know

The forward collision warning system is a great tool that can alert you to other cars you may collide with while driving. Depending on the insurance company, a forward collision warning discount can save you up to 8% on your insurance rates.

Yet, despite these advancements in car safety, since the technology is still rather new, most major insurance providers do not offer a forward collision warning discount.

While not every modern feature in your car can score you a reduced insurance rate, there are many other discounts that can help you save money. Even if you own an older car, you can lower your insurance rates through bundling policies or keeping a clean driving record.

If you want car insurance quotes with a forward collision warning discount, you can start comparing rates right away. Enter your ZIP code below to find insurance quotes in your area.