Automatic headlights are a convenient feature, but do they qualify you for a special car insurance discount? Online advertisements often suggest a “unique trick” or “unusual tip” related to automatic headlights and insurance savings. Let’s shed some light on the truth.
Automatic headlights are a common feature on modern vehicles, but they don’t guarantee insurance discounts.
For years, misleading online ads have claimed a secret to unlocking car insurance discounts simply by having automatic headlights. These ads often use enticing phrases like:
- “Unique Trick If Your Car Has Automatic Headlights”
- “An Unusual Tip If Your Car Has Automatic Headlights”
- “Seniors Are Ditching Their Auto Insurance and Doing This Instead” (referencing automatic headlights)
These clickbait tactics lure readers to articles that ultimately fail to deliver on their promises.
The Truth About Automatic Headlights and Insurance Discounts
The reality is far less exciting. These ads typically lead to websites that gather user information (like location) and then present seemingly personalized offers from various insurance companies. While some insurers might list automatic headlights among many other safety features, this rarely translates into a standalone discount.
A Snopes investigation revealed that major insurance providers like Allstate, Nationwide, Progressive, and 21st Century Insurance do not offer specific discounts solely for having automatic headlights. Farmers Insurance confirmed a similar stance, although they do offer discounts for daytime running lights (DRLs) in certain states. It’s important to note that DRLs are not the same as automatic headlights.
Misleading advertisements often promise a “unique trick” related to automatic headlights and insurance.
Don’t Fall for the Bait
The “unique tip” is a marketing ploy designed to generate leads for insurance companies. While having safety features like automatic headlights might indirectly contribute to a safer driving record and potentially lower premiums over time, there’s no guaranteed discount.
How to Find Legitimate Car Insurance Discounts
Instead of chasing misleading online promises, focus on proven ways to save on car insurance:
- Shop around and compare quotes: Different insurance providers have varying pricing structures and discounts.
- Maintain a good driving record: Avoiding accidents and traffic violations can significantly impact your premiums.
- Bundle your insurance policies: Combining auto and home insurance with the same provider often leads to discounts.
- Ask about specific discounts: Inquire about discounts based on your profession, affiliations, or good student status.
- Consider usage-based insurance: Programs that track your driving habits can reward safe drivers with lower rates.
Conclusion: Focus on Proven Savings Strategies
Don’t be fooled by online advertisements promising secret insurance discounts for automatic headlights. While these features enhance safety, they don’t guarantee immediate savings. Focus on proven strategies like comparing quotes, maintaining a clean driving record, and bundling policies to secure legitimate discounts. Always consult directly with insurance providers to understand their specific discount offerings.
