Can a bumper guard reduce my insurance rates?

"If I add a bumper guard to my truck and tell my insurance, will I get a discount? Is it considered a piece of safety or protective equipment?"

“In most cases, car insurance will not offer you a discount when you install a bumper guard. Most discounts for safety equipment is from factory-installed features on a vehicle.
It also isn’t guaranteed that a bumper guard will protect your vehicle in an accident. Depending on the type of guard you are looking to install, they can sometimes cause more harm than good.
Before you purchase or install the guard, you should reach out to your insurance company directly. They’ll be able to tell you if they’d provide a discount or not.
If they can’t offer a discount and you’re looking to save money on your insurance, you should look into other carriers. Comparison shopping is free and a great way to see what other carriers offer. You can request car insurance quotes online to find the best price.”
Emily Maracle
Answered on Jul 26, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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