Looking on the roads, one can clearly observe cars of all kinds. Small ones, larger ones, ancient cars and those released fresh from the factory. With so much variety on the roads, it’s needless to say that every car is not created equal.
If you’re planning on buying a car, you must be aware of the fact that different insurance companies use different limiting factors as a determining point of your coverage costs. While car type, model, driver type and driver age all are determining factors for consideration, another major determining factor that influences insurance cost is vehicle safety.
What is a car safety rating?
It’s an undeniable fact that the safer your vehicle is, the lower will be your auto insurance costs. Every single car is assigned a safety rating and this vehicle safety rating is taken into account by auto insurance companies. It’s just as similar as taking a driver’s age, designation or location into consideration. These safety ratings are allocated by a number of registered companies and organizations that specialize in doing so. If a safety rating could be translated into a car’s success, it would be defined as the car’s preventive measures and performance when in use.
Which safety features in your vehicle can save money on your auto insurance?
When it comes to car safety features, there are numerous kinds available on today’s new cars. But to get you that necessary discount on your policy plan, safety features that have been around for decades can help you do the trick. They include the following:
Anti-lock brake system- with this feature, any driver can expect a discount of about 5 to 10%.
Air bags- we all are aware of how crucial air bags can be at the time of accident, making them an important criteria for auto insurance discount
Daytime running lights- headlights that turn on automatically when the car starts are necessary to prevent front on collisions during the day and hence are considered important for car safety.
Automatic seat belts- the stress placed on wearing seat belts can never be termed enough. Automatic seat belts are those that are fastened automatically when the car is started or doors are closed.
What does prevention and performance mean in regard to vehicle safety?
Auto insurance companies regard prevention as a determinant for car safety as it shows how well the car can avoid an accident. Organizations publish names of cars they feel have the greatest aspect of prevention.
When it comes to performance and car safety, Texas auto insurance quotes comparison rate cars in terms of their ability to perform when involved in a crash. This includes factors such as acceleration, deceleration and road handling. The better the performance, the lower the premium costs.
It comes as no surprise that safety of the vehicle being driven carries great significance in terms of auto insurance policies. However, it should be remembered that any discount related to vehicle safety being offered vary from one company and state to another.