Buying a Safe Car
Your vehicle's make, model, and safety features directly influence your car insurance premium, so proper planning and selection are crucial.
When it comes to shopping for a new car, considerations such as its government safety rating as well as its rollover and crash test ratings should all be taken into account. The National Highway Traffic Safety Administration (NHTSA) estimates that features such as Electronic Stability Control (ESC) will reduce accidents for cars involved in single-vehicle crashes by 34% and SUVs by 59%. Additional features such as properly fitting seat belts, air bags, and tire pressure monitoring systems are also extremely beneficial in improving the safety of a vehicle. For further information on shopping for a safe vehicle, including details on ratings, statistics, and tips, visit SaferCar.gov.
Common Safety Considerations
- Electronic Stability Control (ESC): In the event that your vehicle begins to lose control, ESC allocates brake to the appropriate wheels to give you the best opportunity to gain control.
- Anti-Lock Brake Systems (ABS): This four-wheel braking system is proven to improve stopping distance and driver control, and is common on most new cars. Auto-Owners offers premium savings to cars that are equipped with anti-lock brakes.
- Side Air Bags (SAB): Side air bag technology has advanced rapidly in recent years. This feature provides valuable protection for the head and chest in the event of a side impact crash.
- Front Air Bags: Standard in all new automobiles, and most since the 1990s, air bags act as a supplemental restraint to your seatbelt. If equipped, careful attention should be paid to ensuring that the ON-OFF switch is appropriately set depending on the age of your passenger.
Although the above safety devices are extremely beneficial in the event of an accident, the most important thing you can do to keep you, your family, and your vehicle safe is to adhere to the following driving best practices:
- Always buckle your seatbelt
- Keep a safe distance from other drivers
- Use your mirrors and signal your intention to turn or change lanes
- Refrain from driving while impaired (drugs, alcohol, sleepiness)
- Follow all posted speed limits
- Use your headlights in inclement weather as well as at night
To learn more about discounts for safety devices
, speak with an auto insurance specialist today by finding an independent agency
in your area.