What Is the Daytime Running Lights Discount?

Does your car have daytime running lights (DRLs)? If so, you could be in line for a discount on your car insurance.
New car daytime running lights

Driving can be dangerous, especially when you share the road with many other cars. Car manufacturers try to make driving safer by developing improved safety features for vehicles. One of those features is daytime running lights, which you see more and more often. If your car has them, you’ll be safer and possibly get a daytime running lights discount on your auto insurance.

What are Daytime Running Lights?

Daytime running lights (DRLs) are lights on the front of your car that turn on when in gear or the ignition is on. They alert other drivers and pedestrians that your vehicle is active, meaning it could drive at any moment. For the most part, you find DRLs on newer models.

Not only do daytime running lights help make the driving experience safer, but they may help you qualify for a car insurance discount. Insurance companies reward customers with certain safety features. And daytime running lights may be one of them. Though, this depends on your insurer. Your savings will also vary. For example, GEICO offers its customers with daytime running lights a 3% discount. Not bad for a safety feature every car should have anyway!

This article will teach you about the daytime running lights insurance discount, including how it works and how to qualify. Insurance discounts for DRLs are rare, so we’ll include a list of major companies that do. You’ll also get answers to some frequently asked questions about the daytime running light discount.

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How the Daytime Running Lights Discount Works

Insurance is a requirement in most states. But it can be very expensive, especially if you’re a young driver or have tickets and accidents on your record. Fortunately, insurers provide customers with a variety of ways to lower rates. Every carrier offers discounts that reduce your premium by a certain percentage. They’re a great way to save money.

Most insurers reward you if your car has modern safety features. Features like the following often qualify for an auto insurance discount:

Besides these, daytime running lights may also get you lower insurance rates. You find these lights installed in newer model vehicles. Keep in mind not all insurance companies hand out discounts for having DRLs. In addition, the savings you can expect depends on your insurer. Your state might also be a factor. Contact your agent for more information on how much you can save.

Getting the discount is simple. Your car must have DRLs, and that’s about it. Newer cars typically come with these lights factory-installed. Your insurance provider should know which car models have daytime running lights.

Aftermarket daytime running lights may also be an option. Though, your insurer may not approve of this for the discount. Ask first before you install your own. In this case, you may need to prove to your insurance company that your daytime running lights function the way intended.

Insurers With a Daytime Running Lights Discount

Not many of the major insurance companies outwardly offer a daytime running lights discount. Here’s a list of the major insurers who should give you a DRL discount:

These are major insurers that offer a discount for having DRL. But local insurers who only write policies in your area may also offer it. In the State of New York, for example, insurance companies must offer you a discount on some coverages if your vehicles comes equipped with factory-installed daytime running lights. And in many cases, the only way to find out if you can get this discount is to ask. Be sure to check in with your agent or compare quotes. It never hurts to ask when money’s on the table!

Do DRLs Make Driving Safer?

Manufacturers have started to add daytime running lights to their cars because they add an extra level of safety. But they aren’t meant to replace headlights or increase visibility for the driver. Instead, they help make your car more visible to other drivers, pedestrians, and bicyclists. DRLs work by having lights active at all times when the car is on or in gear. The light’s color is usually yellow, white, or amber.

The effectiveness of DRLs isn’t widely known. A 2008 report by the National Highway Traffic Safety Administration found that DRLs may have lowered light trucks’ and vans’ role in two-car crashes by 7.5%. So, there is some info on how DRLs may prevent collisions. DRLs may also be more effective in areas with dark weather. This is because they help to make cars more visible to others.

Frequently Asked Questions

Q: Is it good to have daytime running lights?

A: Absolutely. DRLs help make your car more visible to other drivers and pedestrians. This can prevent collisions and save you money in the long run by avoiding accidents. Your insurer may also reward you with lower rates for having them on your car.

Q: Are DRLs the same as headlights?

A: No, daytime running lights are different than headlights. DRLs don’t necessarily help to increase your visibility on the road. And they’re also not as bright, so they don’t replace regular headlights. They’re meant to help others see you and know your car is active.

Q: How much do daytime running lights cost?

A: DRLs are inexpensive, costing $50 to $200 for a kit. Labor would be more and depends on the vehicle they’re installed on. Many newer cars come with DRLs factory-installed. Either way is cheap when you think of the extra safety DRLs give you.

Q: Can you use DRLs at night?

A: Yes, you can. They’re always on when your engine is running unless you activate your headlights. Some DRLs stay on but dim slightly for oncoming traffic. There may be a way for you to override each type. Just make sure that you use DRLs lawfully.

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