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.

» Read more: How Car Safety Ratings Can Help You Save on Auto Insurance