You may have heard that getting a dash cam can lower your insurance rates. That is not always true. Some car insurance companies offer lower rates if you have a dash cam, while other insurance companies do not. However, dash cams can help you keep your insurance rates lower.
Getting a dash cam can help keep your insurance rates low. Dash cams provide reliable evidence of an accident. Having a dash cam record the accident means that an accident is not a he-said/ she-said scenario. Instead, you have documentation of the events in an accident. That can help your insurance company defend you in the event of an accident.
Dash cams record what is happening on the road. That means that they can provide evidence of accidents. You can turn over the footage to your insurance company or to law enforcement. They are even better than witnesses because their footage cannot be contested. Depending on where the dash cam is mounted, it can provide different types of information. Dash cameras can be on the dashboard or the windshield. We can focus them inside or outside the vehicle. You can even have both or a dual camera that can record both.
One of the best benefits of a dash cam is that it may be able to provide details that you cannot provide. After an accident, you may be dazed and confused and not remember the details of the accident. A dash cam helps you understand what happened and fills in the blanks for your insurance company. They provide you with the reassurance that your recollection of the accident is okay.
Dash cams can help you capture more than accidents. They can also help you with attempted car thefts, vandalism, and false insurance claims. Your dash cam may even capture other people’s accidents and help them with their insurance companies.
Dash cams can also have an indirect impact on your insurance rates. Dash cameras serve as a reminder to drive responsibly. They are a great incentive for teen drivers. For insurance companies that offer discounts for safe drivers, dash cams can help you get those discounts.
While not all insurance companies offer discounts for dash cameras, it is worth calling your insurance company to ask them. Depending on the insurer, they may offer some discounts for dash cams. Others may offer discounts for dash cams that are bundled into other security systems. However, even if they do not offer direct discounts, the positive changes you are likely to make could still lead to savings.