AUTO INSURANCE ARTICLE
Choose Safe Cars and Save on Your Auto Insurance Premiums
By: coppeneurWhat are the usual points you tick off from your list when buying a car. We guess you look at your budget primarily. But assuming there are a number of cars you can choose from given the amount you can burn, what is it then that you put on top of your list? In this time of penny-pinching, do you know that safe cars care also cheaper to insure? So how do you know that a car model falls under the safe cars list? Here, we have come up with a basic guide for you.
Is the car crash-test worthy?
Safety authorities, one of them the National Highway Traffic Safety Administration (NHTSA) conduct crash tests annually, testing whether vehicles make it to the cut of protecting their passengers in frontal and side collisions. You may ask your dealer directly, if they have car crash assessment of the car you are interested in. This information however may not always be available to your dealer. You may then log in to NHTSA’s website where you can search for specific models and years and their corresponding crash test ratings. The higher your car’s crash rating is, the more chances will your auto insurance premium costs would be.
What are the safety features of your preferred car?
Does it have seat belts? What kind? Do you know that certain kinds of automatic seatbelts will allow you discounts when you apply for auto insurance? And this is a startling information: seat belts save more than 10,000 lives each year.
Does it have airbags? Airbags, coupled with the use of seatbelts are known to increase safety for most passengers. This is of course basic now in almost all new car models. But check again, you just never know, when a car manufacturer may have opted this out from the car make.
Does it have head rests and head injury protection? Like airbags, this safety feature in car is only introduced in newer car models. This protects the passenger by minimizing the blow should the passengers head hit the interior roof of the vehicle. Headrests, meanwhile, is recognized to be a good measure for lessening neck trauma in the event of an accident.
Does your dream car have good traction?
Generally, what you should look for here is a car with features that allow you to have a better grip and control of your automobile. Count anti-lock brake systems, traction control, and all-wheel drive functions as the features you should look for. Should your choice car have these feautures, ask for lower auto insurance rates and/or auto insurance discounts from your auto insurance provider.
True that cars with safety features cost more, be warned. However, you can easily get a return on your investment with a better driving experience, and with full-packed safety features, your expense is often offset by lower auto insurance rates. Don’t trade a few dollars for your and your family’s safety. Lower your accident risk. And just to make the point again, driving a car that has performed well in crash tests typically brings in lower auto insurance premiums for you.
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