What’s a forward collision warning discount? How do I get it?

If your vehicle has forward collision warning technology, you could earn a forward collision warning discount on your auto insurance policy. You can buy forward collision warning discount auto insurance from eight national providers. Drivers typically save 5% on average with affordable forward collision warning discount auto insurance rates.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 23, 2021

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What You Should Know

  • Seven national auto insurance companies offer a forward collision warning discount to customers
  • Drivers save 5% on average by earning this discount
  • This style of discount is considered a safety discount

If your vehicle has forward collision warning technology, you could earn a forward collision warning discount from seven national auto insurance providers.

Below, discover how to compare auto insurance quotes and take advantage of safety discounts to earn your lowest possible rates.

After learning how to get affordable forward collision warning discount auto insurance rates, enter your ZIP code into our free tool above.

What auto insurance companies offer a forward collision warning discount to drivers?

If you’re looking for a forward collision warning discount auto insurance company, you have seven national providers to compare.

See a complete list below:

Drivers save 5% on their annual premiums on average with this discount.

However, other factors, like your age, driving record, and coverage needs, also influence your annual premiums.

Therefore, it’s worth comparing rates online from multiple providers to secure your lowest possible premiums.

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What is a forward collision warning discount?

Forward collision warning technology is officially recommended by the National Highway Traffic Safety Administration (NHTSA).

Therefore, a forward collision warning discount is considered a safety discount. The technology keeps you and others safer while driving.

But how do you know if your vehicle has forward collision warning technology?

Usually, you’ll be alerted by a visual or audio alarm if sensors detect an object in front of your car. You can also check your vehicle user manual.

If your vehicle has brake-assist technology, meaning the brakes are applied automatically without requiring human intervention, you might earn a more significant discounted rate.

Is it cheaper to insure a car with more safety features? Typically, yes, as it helps you earn more discounts. However, the savings are often minor.

Other safety auto insurance discounts your vehicle might earn includes:

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

Why doesn’t driving a safer vehicle lead to lower annual auto insurance rates? Some safety technology can be expensive to replace or repair.

Other times, data surrounding newer technology doesn’t suggest that drivers are filing fewer claims. However, this is not the case with forward collision warnings.

Also, when a safety feature becomes incredibly common on all vehicle trims, like forward collision warning, the discounts become less frequent.

Forward Collision Warning Discount: The Bottom Line

If your vehicle is equipped with a forward collision warning system and you use one of the companies listed above, ask your provider about earning this discount.

However, rate reductions from safety discounts tend to be minor. Therefore, it’s necessary to compare premiums from different companies to find your lowest possible prices.

Other ways to save on auto insurance include practicing safe driving techniques, asking about additional discounts, driving a safer car model, and purchasing the right amount of coverage for you.

Now that you’ve learned how to buy forward collision warning discount auto insurance, compare quotes from the top providers near you by entering your ZIP code into our free tool below.

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