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Your Car's Crash Test Results Impact Your Insurance Rates

auto safety crash test picIt is probably not news to you that many factors influence your auto insurance premium. These elements include such items as your driving record and credit score, here you live, how you use your vehicle among others. But did you know that your vehicle's industry safety rating is also considered a significant factor.

Auto insurance companies consider your vehicle's safety record and safety features as well as their analysis of the industry rating and replacement value for each car, truck, van and SUV when determining the risk level of your particular vehicle. Auto insurers study the risk of insuring a vehicle by considering items like the amount of glass in the vehicle, whether or not it has acceptable traction control, airbags, anti-lock brakes, anti-theft devices, daytime running lights and others.

In addition to all those items, the results of industry-performed crash test have a large impact on an insurer's decision.

All vehicles in the U.S. are evaluated for performance during crash testing (such as the testing performed by the Insurance Institute for Highway Safety). Typically, the lower the assigned risk a vehicle earns, the higher the crash test rating it received. Of course, this has a direct impact on auto insurance rates. Get more details about Crash Testing by IIHS

The Insurance Institute for Highway Safety (IIHS) performs exhaustive testing on all sizes of cars, trucks, SUVs and vans. The Top Safety Picks for each year, published by the IIHS are based on 5 criteria:

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    • Good Rollover Crashworthiness based on testing of the roof strength as compared to vehicle weight
    • Good Frontal Crashworthiness based on a 40MPH frontal offset crash test
    • Good Rear Crashworthiness based on the structure of the head restraint and a test of the seat and head restraints in the vehicle.
    • Good Side Crashworthiness based on results when the vehicle's side is struck by a barrier at 31MPH
    • Electronic Stability Control which is a measure of the degree to which a driver can maintain control when a vehicle might spin out

How can you control the impact of these factors on your auto insurance rates?  Simply look closely at a vehicle's crash test rating before purchasing it. In fact, we advise that you speak to an insurance agent such as those at the the Community Insurance Services of Maryland, Inc. to find out about insurance rates on the vehicle you intend to buy before signing the  purchase agreement. We welcome your auto insurance questions; so feel free to contact us at your convenience.

Learn more about Auto Insurance

See a list of this year's Top Safety Picks

Find out about insurance rates before your purchase your next vehicle

 

Wednesday, 07 September 2011 17:35

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