Actually insurance companies have been trying to get out of the ABS discount for as Long as ABS has been out. ABS does prevent lock up but research has shown more accidents due to driver fault( you need a greater distance to stop) and abs malfunction, there have been a ton of recalls from all the car companies. My family is full of mechanics and none of them will buy a car with ABS. Like the saying goes Keep it simple stupid,ABS is not simple! As far as air bags....give me an older car made of steel over these new plastic ones with air bags.