Recently, the Insurance Institute for Highway Safety (IIHS) released the list of the most crash proof cars of 2013. The IIHS tested 74 models at both 12 and 25 mph. In order to receive a high rating, the vehicle must have had auto brake, as well as the ability to avoid the crash entirely or significantly reduce the speed during the impact. The top crash proof cars include the Cadillac ATS sedan, Volvo XC60 SUV, and the Subaru Outback wagon. Click here for an auto insurance quote in San Diego and see if the IIHS rated your car safe enough to receive a discount on your car insurance.
The Cadillac ATS sedan is a compact luxury sports car. It includes four wheel antilock brakes, dual front side-mounted airbags, traction control, emergency braking assist, and stability control. In addition, it includes a driver awareness package that alerts the driver to conditions that may contribute to a crash. This package consists of a forward collision alert, lane departure warning, automatic rain sense wipers, side blind zone alert, rear cross traffic alert, and a rear vision camera.
The Volvo XC60 SUV was listed by the IIHS as one of this year’s safest SUVs. This vehicle includes a laser-assisted city safety package that can sense impending forward collisions and apply the brakes. The Volvo XC60 can completely avoid collisions of less than 15 km/h. The vehicle also includes lane departure warning, pedestrian and cyclist detection, cross traffic alert, and a blind spot information system.
The Subaru Outback wagon includes the patented EyeSight Driver Assist system that monitors the movement of traffic and alerts you when you drift out of your lane. The safety system also slows the car down automatically if an impending crash is detected.
So why is the IIHS safety test important to American Tri-Star Auto Insurance? Safer cars that can withstand impacts with minimal damage to the car or injury to the passengers can lead to more affordable car insurance! You heard it right. In order to determine premiums, auto insurance agencies look at each model’s claim history to see whether it is more or less likely to be crashed, the average cost of the damages in mild and serious crashes, the amount of damage the model typically inflicts on other vehicles in a crash, and the average passenger injury claim in a crash for that model. Models that can withstand a greater impact without significant damage to the car or serious injury to the passengers have lower overall claims, which mean lower premiums will be assigned to these models.
If you do not currently drive one of the above listed models, you can still save on your auto insurance with American Tri-Star if your vehicle is equipped with anti-lock brakes, has motorized seatbelts, is equipped with airbags from the factory, and if you are a safe driver. To learn how much you can save, visit our website at www.sandiegoautoinsurancenow.com or contact an auto insurance specialist directly at 619-272-2100 today.