What is an Electronic Stability Control Discount?

Electronic stability control discounts are offered by companies like Allstate and Progressive. Companies offer electronic stability control discounts because it helps reduce accident risk by steering if a car loses traction.

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UPDATED: Jun 2, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

Here's what you need to know...

  • Electronic stability control is a common safety feature found in many makes and models today
  • This feature works by detecting when the car is losing traction or stability, and it assists the driver with steering for a short period of time
  • Because this feature may reduce the risk of accidents, some car insurance companies offer a discount for this electronic stability control including Allstate and Progressive.

Car insurance is required by law in many states, so it is a necessary expense associated with owning and driving your vehicle. Many auto insurance providers offer a wide range of discounts that are designed to help their policyholders save money in different ways.

The safety features in your vehicle may qualify you for savings on your policy, and one of the primary features that may qualify you for a discount on car insurance is electronic stability control.

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Learning More about How Electronic Stability Control Works

Electronic stability control is a high-tech feature that monitors the vehicle for skidding or another type of traction loss. When stability loss is detected, this feature gently applies pressure to the brakes to assist the driver while maneuvering out of the skid.

Electronic stability control may also be known as dynamic stability control, and it is a popular safety feature that is found in many modern makes and models today.

Why Car Insurance Companies May Offer a Discount for this Feature

If your vehicle has an electronic stability control feature, you may qualify for a moderate discount on your auto insurance premium. Car insurance providers usually determine a driver’s auto insurance rate by reviewing risk factors.

A vehicle that has this safety feature may be less likely to be involved in an accident than a vehicle that does not have it. Therefore, a car insurance provider may offer the discount to compensate the driver for the reduced risk.

Finding Insurance Providers That Offer Electronic Stability Control Discounts

This is an excellent discount that can save you money on car insurance for the entire time that you own your vehicle, but not all providers offer this discount.

Many providers publish their insurance discounts online, so researching the providers’ various discounts is a great starting point.

Remember that there are other safety-related discounts available through different car insurance providers that you could also qualify for that could generate additional savings on your premium.

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Exploring other Ways to Stay Safe on the Road

Drivers can feel safe and confident on the road when a vehicle has electronic stability control, but drivers should also take steps to improve their driving habits. These safe driving tips may help you to avoid an accident:

  • Obey posted speed limit signs and other traffic signs.
  • Avoid driving in bad weather conditions when possible.
  • Keep your vehicle properly maintained, including checking the tire pressure and tread regularly.
  • Verify that everyone in the car is properly fastened by a seat belt before you start driving.

What to Do If You Are in an Accident

Even with the right combination of safety features and safe driving habits, drivers may still be involved in an accident at some point. If you are in an accident, work with law enforcement to file a police report, and seek medical assistance as needed.

As soon as possible after you leave the scene of the accident, contact your insurance company to file a claim. Remember that you will need to pay a deductible on your policy when you file a claim, and you may be required to pay any expenses that are not covered by your policy.

Other Safety Features Found in Modern Vehicles

Electronic stability control is one of numerous safety and security features found in many cars today. A few of the other safety features to look for that may qualify you for additional discounts on car insurance are:

  • VIN etching
  • An anti-theft alarm system
  • Forward collision detection
  • Blind spot detection
  • Rear cross-traffic detection

What to Look for When Buying Car Insurance

If you have decided to start looking for new coverage that includes an electronic stability control discount, you may be wondering what you should look for in a policy.

The coverage and deductions are important elements to focus your attention on, but you also need to choose a reputable, established provider to get your coverage from.

Coverage Types and Limits

Liability insurance is most commonly required by state law in most areas, but drivers who are concerned about paying for their own expenses in an accident should consider buying additional coverage.

Liability insurance only pays for damages and expenses that you cause to other parties while driving. Collision insurance will pay for your own expenses in the event of a crash, and comprehensive coverage pays for your own expenses for even more types of loss events.

Great Deductions

Saving money on car insurance is a common goal for many people, and the electronic stability control discount is only one of several ways for you to save money. As you shop around and compare the options, look for other discounts for:

  • Bundling your coverage
  • Insuring multiple drivers or vehicles
  • Having low mileage
  • Being a good student
  • Having a good driving record

A Reputable Provider

A final and important factor to consider when you are shopping for new car insurance is to look at the reputation and financial strength of the provider. The Internet is a great resource for you to use when researching car insurance providers.

Putting Your Electronic Stability Control Discount to Work

The electronic stability control discount may save you money on car insurance for the entire time that you own the vehicle.

However, other factors may change during this time that could alter your rates. It is wise to continue to compare insurance rates with different providers every six months to take advantage of potential savings available through other car insurance companies.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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