Buying a safe car can not only help save your life in the event of an accident, but it can also lead to savings on your car insurance premium. Insurers value safe vehicles because they keep occupants safer and keep claim costs low.
Also, drivers of safe vehicles are thought to be more likely to drive responsibly. For these reasons, driving a safe car will translate into a lower car insurance premium. From your insurer’s perspective, the rationale’s pretty clear: the better your car performs in crash tests and the more safety features it has, the safer you’ll be on the road. For crash ratings on your vehicle click here: Crash Safety Ratings
- New Cars
Because there’s not as much data on the real-world safety of new cars, crash tests tend to carry more weight on the latest and greatest models. So if you’re in the market for a new car and you choose one that scores well in crash-test safety instead of a rollover-prone model, your insurer may reward you with lower rates.
Insurers can tell what car brands are trending on the safe side based on official lists like the Top Safety Picks from the IIHS. This type of list, based entirely on crash test results, allows car shoppers and insurers to see which companies excel at producing safe cars and trucks.
The specific model of a car can be a useful safety barometer, too. For instance, different models may affect your car insurance premium differently based on their crash test results, despite being made by the same company.
The year of your car is also a key aspect in determining its safety: a top safety pick of 2019 may score a lower car insurance rate than the driver of a 2012 version, all else being equal.
We hope you enjoyed this post. If there is anything else we can do to help you feel free to call us at (805) 466-2446 (Atascadero) or (805) 239-8752 (Paso Robles). And be sure to stay connected with us on Facebook as well!