First of all, let me post a picture of my new (to me) GS430.



I got my insurance information the other day and I noticed the discounts that I was given for some of the car's features.

Anti-theft discount -$11.46
Daytime running lights discount -$15.51
Passive restraint discount -$ 7.01
Vehicle injury rating discount -$ 4.91

Are there any other discounts that you guys receive from your insurance company for your GS?

 

Here are the discounts we have listed on our delcarations page:

Anti-Theft Device, Multiple Car, Ultra Preferred, Defensive Driving, Auto/Home/Life

We just received the Ultra Preferred discount which was huge and reduced our rates by almost $700 annually.

 

I pay about $82.00 bucks a month with STATE FARM What more could I get

 

how did you get ultra preferred?

 

What part of the 2GS is considered passive restraint?

 

Welcome and great color GS!

Who's your carrier?

 

If you have certain degrees you can get what my insurance co call a group discount. I have the scientist discount. LOL

 

Thanks. I'm with USAA.

I have other discounts such as being a Naval Officer, college graduate, taking a defensive driving course and living within 5 miles of my job. But those were discounts specifically related to my car.

 

Isn't that the alarm...it's passive because if you let it sit there for a minute the alarm activates but it doesn't lock the door. But if someone tries to open the door, and it will open, the alarm will go activate the horn.

 

I'm pretty sure the pass restraints are referring to the air bags (it'll help protect you from a collision w/o you having to actively turn it on or put it on). Those annoying motorized swinging seat belts were also passive restraints.

I think what you are referring to is passive arming of an alarm.

 

I guess you can call airbags that. I've only seen the motorized seatbelts referred to as passive restraints. I was just wondering what is classified as passive restraints these days.

 

I believe it has something to do with how the airbag system deploys. I know that there has to be a certain amount of weight sensed in the seat for the airbags to operate in a collision.

 

Yeah, I'm pretty sure the airbags are classified as passive restraints.

 

The airbags. "Passive" meaning no intervention or action is required by the driver for this protection to occur vs "active" which refers to the fact that it requires action on your part to buckle your seatbelt/shoulder harness. Even the slight amount of effort that it takes to buckle up evidently requires either too much time or too much skill for some vehicle occupants.

The feds originally mandated airbags to protect those morons who were too lazy to protect themselves. And the regs were shortsightedly written to require restraint of the theoretical 180# individual, leading to airbags which were much too powerful for, say, a 110# female (or a child), leading to some horrific injuries.

Now, in response, we have variable force bags and sensors that prevent deployment of a given bag if too light a weight is present on the seat. Of course, side curtain bags are a definite safety improvement but I still have little use for front bags. (Case in point: last year, just after having dropped off the GS at the dealership, I had no choice but to T-bone a woman who turned left across traffic since I was unable to avoid her. Both front bags in the IS loaner deployed but, since I was properly restrained, the steering wheel bag didn't even touch me. Which is as it should be.................)

 

USAA has the best ratings for claims out of any other carrier. Amica is another top rated insurance company for claims.