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Some of the most useful car gadgets include safety devices and anti-theft mechanisms. Beyond just ensuring the safety of you and your car, many of these can also help you save money on insurance premiums. With car maintenance costs rising and electric vehicles costing more to insure , it's important to take advantage of the steep insurance discounts offered for vehicles equipped with certain safety and protection mechanisms.

The National Association of Insurance Commissioners (NAIC) outlines many discounts that insurers typically offer in a document detailing the best practices for insurance rate disclosures. These include discounts for anti-theft devices, such as alarms, engine immobilizers, and GPS recovery trackers. Ensuring factory-installed safety mechanisms (such as airbags and daytime running lights) are fully functional and repaired can also lower your car insurance cost.…