Install Safety Features A car that has various safety features like airbags, engine cut-off, antilock brakes, or an antitheft system can help lower your premiums, too. Such a car is less likely to get stolen or vandalized, hence, the lower insurance rate. If your main aim for installing the safety features is to lower insurance premiums, ask the insurance company for the specific devices that can reduce the rates. Also, gauge between the cause of installation and the level of savings you will make to see if it's a worthy investment.