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August 31, 2015

How Safe Is Your Vehicle?

Hand of businessman with car against gray background

Safety Ratings Explained

While nobody ever plans on getting into a car accident, they happen, and making sure that your vehicle has a high safety rating can help to make sure that you stay safe on the roads. Taking the look at a vehicles safety rating can help to let you know how safe a car really is.

There are two safety ratings to consider when looking for a new car, the Insurance Institute for Highways Safety (IIHS) picks and the National Highway Traffic Safety Administration (NHTSA) star ratings. While they may seem straight forward, figuring out what the ratings mean can help you figure out which car is best for your needs.

The NHTSA is part of the U.S. Department of Transportation and has pioneered vehicle safety ratings around the world since 1978. Its goals are to provide reliable, accurate information to consumers about the protection that is offered by both used and new vehicles. It gives shoppers the ability to evaluate the strengths and weaknesses of vehicles before they decide to buy. The NHTSA uses a five-star rating system, with five stars being the highest rating. Keep in mind that the ratings provided by the NHTSA are split into vehicles from 2010 and older and vehicles 2011 and newer.

The IIHS then conducts testing that will measure how well a vehicle responds to small and moderate overlap frontal crashes, roof strength during a rollover, side impact crashes, and seat response in rear end collisions. The IIHS Top Safety Pick designation is for vehicles that receive Good ratings, which is the highest rating possible, in all of the crash tests. However, an acceptable rating is also acceptable for the small overlap front crash test. In order to get a Top Safety Pick + award, the vehicle must be equipped with front accident prevention technology.

No matter what vehicle you invest in, choosing the right auto insurance policy is the best way to make sure that you and your family are protected on the road. Contact Brewer-Lloyd Insurance Group in Mesa, Arizona for all your car insurance needs.