Not all cars are created equal. Some offer greater speed. Others offer better gas mileage. Another important difference is safety. Did you know certain safety features can reduce insurance costs and claims? To protect your passengers and your wallet, look for some of these top safety features the next time you’re in the market for a new vehicle.
Crashworthiness: If you’re considering a car, check out its crashworthiness rating. This indicates the vehicle’s ability to reduce the risk of injury and death during a crash based on its roof strength, front and side structures, head restraints, and seat design. You can look up a specific vehicle’s rating on the Insurance Institute for Highway Safety website.
Size and weight: A tank offers more protection than a smart car does. But bigger isn’t always better. An SUV may be more likely to roll over than a sports car. Be sure to review all factors of size and weight as you choose your vehicle. The safest option is typically a midsize sedan with a high safety rating.
Restraints: Modern vehicles offer far more than a simple seatbelt. For the best restraint systems, look for side airbags, locking head restraints, and lap and shoulder belts with crash tensioners. For steering column airbags, make sure you can reach the pedals without putting yourself too close to the steering wheel, as close proximity can cause serious injury if the bag is deployed. You need at least 10 inches of clearance for safety.
Daytime lights: Many cars now feature daytime running lights that are activated when you turn on the car. These make vehicles more visible to other drivers and decrease the chances of daytime accidents.
Backup cameras: Rear-view video systems allow you to see the area behind your vehicle when you drive in reverse. These cameras can be very helpful in avoiding collisions with cars, objects, and pedestrians.
Additional safety features such as anti-lock brakes and warning systems can help you steer clear of crashes and further reduce the likelihood of claims. Check with your insurance provider about potential discounts on premiums based on specific vehicle features.
Most importantly, stay safe out there!
