With the rates of vehicular accidents going up every day, it’s no wonder that the auto insurance companies are raising their standards when it comes to car safety ratings and auto insurance coverage. Every plus for you when it comes to car safety ratings means a minus on the auto insurance payments that you have to make. So if you’re considering buying a new car, you must first take a look at the Insurance Institute for High Safety or IIHS to find out if the car that you are interested in is considered a “top safety pick” or simply “marginal.” These ratings will definitely affect your bottom line when it comes to your coverage.
You’re better off choosing a car with a high safety rating from the start. It will create savings in more ways than one – especially when you consider that these are the cars which suffer minimal damage when it comes to vehicular accidents. That means less expense on repairs and more importantly, less expense on hospital bills. Choose a vehicle which already has a built-in security system or anti-theft devices. You may also want to have anti-collision devices installed as well. These will make your car practically invulnerable when it comes to accidents, theft, or even attempted break-ins.
Check out how well the car can protect the people riding inside in event of an accident, which are rated according to tests that are performed on the cars for high-speed front crashes, rollovers, head-on collisions, and the like. If you choose a vehicle that makes the cut for the insurance companies, you’ll be sure to pay a lower premium. Another way to ensure that your insurance quotes will definitely be lower is to be a model driver all on your own. There’s a reason why teenage drivers are usually charged more – they are normally the ones behind the wheel when it comes to serious vehicular accidents. But if you can prove that you’re a safe driver, or live in an area without much traffic, or don’t take the car out very often (usual when it’s a third car that’s being purchased) then the auto insurance company will definitely lower your premiums.