Car insurance largely correlates to personal driving histories and conditions of vehicles. With technology advancing every day and new products being put on the market, cars may look and act very differently in the not-so-distant-future. While there has been much focus surrounding self-driving cars and solar-powered vehicles, other technologies are actually being implemented in real time, thereby affecting driving conditions.
The hope of most new advancements is to increase security measures and make driving a more enjoyable and safe experience for everyone on the road. As a result, markets adjust to these technologies, and insurance providers react with safety discounts for drivers. While the upfront costs of purchasing new cars with high-tech equipment may turn some buyers away, those who make the commitment to safer driving may see immediate rewards by saving on their auto insurance.
Here are six technologies that are either available in a limited capacity or are only a few years away from public use:
Night vision isn't just for hunting purposes, but also to increase visibility for drivers. A monitor on your dashboard can help locate objects in your driving path, such as pedestrians, animals or road blocks at night. This makes it easier for drivers to see hazards, thus reducing potential accidents.
Routers can be installed inside cars, allowing for Wi-Fi access - even when the car is in motion. By having the Internet available in your car, GPS tracking systems and in-car communications can be operated more safely, and without the use of hands. This technology could cut down on cellphone use because drivers could rely on their routers rather than handheld devices.
GPS devices have the ability to monitor the sun's presence in the sky and the angle at which rays hit your car. Advanced GPS systems can also link with your car's ventilation system to automatically change the temperature inside of your car to provide greater levels of comfort. For instance, if the sun is hitting the left side of the car, then that side will be hotter. Your car will begin cooling itself on the left side so that passengers don't get too hot.
While there are a number of anti-theft systems on the market, a new invention can actually detect heartbeats inside of your vehicle. If your car is stolen or missing, then you will be notified because the thief's heartbeat will be monitored, allowing you to confirm your car is, in fact, stolen. This can also help track the location of your vehicle, providing the authorities with a better opportunity to retrieve your car.
When turning sharp corners or driving around windy bends, your headlights typically stay straight ahead, which doesn't provide the optimal line of sight for drivers. Instead, interactive headlights can turn in conjunction with your car so that you can see out in front when you're turning. This can decrease the chance of running into unseen objects.
Insurance companies are beginning to make data-collecting devices available for public demand. These devices are installed in a vehicle and monitor your driving behavior, such as speed, braking times and how safely you handle your car. This information is then relayed back to the insurance company to determine how risky of a driver you are. If you perform well, then insurers will likely provide you with a discount on your car insurance.
By implementing safe-driving technologies in your car, your monthly payments can be reduced.
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