Footage from your dash camera can help in collision and non-collision-related events. Not only can these recordings speed up the claims process, but they can also provide indisputable proof that you were either not

at fault for an accident,

involved in a hit-and-run, or that your vehicle was damaged from severe weather.

Monitor your driving habits

Dash cams may not come with discounts, but several insurance companies offer savings opportunities for

safe driving

. Keeping a

clean driving record

can help you lower your insurance premiums and lessen the risk of at-fault accidents in the future.

Protect you from fraudulent claims

Insurance fraud is more common than most people think. If you believe that you were involved in a staged accident or that someone filed a fraudulent insurance claim against you, your dash cam footage may be able to save you from

rising premiums

and significant legal fees.

Dash cams can also help young drivers get better. Teen drivers experience some of the highest insurance costs as a result of increased risk for accidents. Although car insurance companies won’t necessarily lower your policy rate for installing a dash cam in your teen’s vehicle, it can help you monitor their driving habits and make them safer drivers.

Learn more:

10 essential car insurance hacks to help you save money

4 key ways to save money on your car insurance

1. Keep an eye out for other types of discounts

You might not be able to get a discount on your car insurance policy with a dash camera, but many insurers offer discounts for other features:

Anti-theft devices: Nationwide, GEICO, and State Farm provide savings opportunities for drivers with anti-theft devices added to their vehicles. This includes alarms and steering wheel locks.

Vehicle safety features: Drivers with a car made in 1994 or newer can save up to 40% on their car insurance with State Farm depending on their make, model, and mileage.

Anti-lock brakes: If you have ABS installed on your vehicle, you can save with Allstate and GEICO.

Don’t have any extra safety features on your vehicle? You can also earn discounts for continuous insurance, having multiple policies with the same provider, opting into paperless policies, and displaying good driving habits.

2. Compare quotes from multiple providers

If you’re looking for lower insurance premiums, you should be regularly shopping for car insurance. Getting new quotes every 6 months, at a minimum, will help you stay on top of the best rates and take advantage of potential savings opportunities with other insurance providers.

If you shop with the

Jerry

app, you’ll only have to create one profile to compare rates from up to 55 different insurance companies.

Jerry will walk you through each step of the process, from setting up your profile to choosing your coverages and applying relevant discounts.

And you can even turn on reshopping alerts to let you know when a better rate might be available.

Learn more:

How to find cheap car insurance

3. Bundle services

If you’re a homeowner, you can

bundle your home insurance with your auto insurance

to help lower your monthly premiums. Renters can also opt for this solution if they already have purchased a renter’s insurance policy.

Keep in mind that this option is only available if you have both policies with the same provider—you can’t bundle two services from two different insurance companies.

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4. Increase your deductible

Deductibles are the amount you must pay before your insurance kicks in. A lower deductible means you’ll have to pay less out of pocket when you file a claim—but since that increases risk and payouts for your insurance company, it means higher rates for you.

Most deductibles are between $500 and $1,000. Increasing your deductible will lower your insurance premium. But never increase it beyond what you can realistically afford if you need to make a claim.

Learn more:

How to choose the best car insurance deductible

FAQs

Does having a dash cam lower insurance?

Although there are no discounts for dash cams, they can help you keep your car insurance costs low. Video recordings can act as proof against false claims, not-at-fault accidents, and theft and vandalism.

Does GEICO give discounts for having a dash cam?

GEICO does not offer discounts for dashboard cameras—no insurance providers do. That said, GEICO provides discounts for anti-theft and anti-brake systems.

How much does a dash cam cost?

Dash cams can run between $100 and $250, but those with high-resolution video and night vision can cost you up to $300 or more.

Do dashcams help with insurance claims?

Dashboard cameras can be helpful with insurance claims as their video recordings can clarify how the accident took place and possibly prove your innocence.

Does USAA give discounts for dash cam?

USAA does not provide discounts for dash cams.

How much can you save with a dash cam?

You can’t save on car insurance with a dash cam—but you might be able to use dash cam footage to prevent an increase in your insurance rates after an accident.