As as insurance agent, I am frequently asked auto questions from ‘what is the best car to look for when purchasing a new vehicle’, to ‘which vehicle is the least expensive to insure’.
Hopefully I’m not the first to tell you that vehicle safety is one of the many components to determining your insurance rate. If a vehicle does a poor job at keeping its passengers safe during accidents, then that increases the cost of the claim that the vehicle’s owner would file. Injuries from auto accidents can add up quickly, so if a vehicle does a good job at minimizing those injuries, then insurance companies reward that with lower rates.
“IIHS rates vehicles good, acceptable, marginal or poor based on performance in a moderate overlap frontal crash, small overlap frontal crash, side impact and rollover, plus evaluations of seat/head restraints for protection against neck injuries in rear impacts. Top Safety Pick+ winners must earn good ratings for occupant protection in at least 4 of 5 evaluations, with no less than acceptable in the fifth test.”
Here is the Insurance Institute for Highway Safety’s Top Safety Picks for 2013. To read the full article, click here.
News Release | December 20, 2012
New TOP SAFETY PICK+ award goes to 13 cars;
117 additional vehicles earn Top Safety Pick
To qualify for Top Safety Pick vehicles must have good ratings for occupant protection in the moderate overlap frontal test, side impact, rollover and rear tests, regardless of their small overlap rating.
“Models that earn Top Safety Pick also offer outstanding protection in many crashes,” Lund says. “These vehicles are much safer choices than most vehicles on the market just five years ago.”
|Midsize moderately priced cars||Midsize luxury/near luxury cars|
|Chrysler 200 4-door||Acura TL|
|Dodge Avenger||Volvo S60|
|Ford Fusion built after Dec. 2012|
|Honda Accord 2-door|
|Honda Accord 4-door|
|Nissan Altima 4-door built after Nov. 2012|
|Subaru Legacy built after Aug. 2012|
|Subaru Outback built after Aug. 2012|
|Volkswagen Passat built after Oct. 2012|