Why should you consider purchasing a safe car in 2018?

Safe car technology in 2018

Now more than ever, there are advanced safety features coming as standard in new cars. It now seems that safety is finally becoming the new standard for car manufacturers.  So, what makes a car ‘safe’ and why is it so important to consider buying one? It’s not always as clear to the average consumer, especially since there’s so many gadgets and features in new cars, and car makers can be guilty of using too much marketing hype.

But if you look through all that fancy marketing-speak and jargon, you’ll see that these features are in fact saving lives, and saving drivers on their insurance premiums.

The numbers don’t lie

The National Highway Traffic Safety Administration (NHTSA) compiles statistics on car crashes every year. It also publishes reports on the effectiveness of safety measures in saving lives, minimizing crashes, or avoiding an accident altogether. In 2016, there were an estimated 7,277,000 car crashes. Of that number, nearly 30 percent resulted in injuries and .5 percent involved a fatality.

The silver-lining in all of this? The Insurance Institute for Highway Safety (IIHS) has studied crash-avoidance features in vehicles and recently found that several of the safety features are reducing crashes and are truly saving lives. Even better, car insurance companies like Elephant are actually rewarding drivers who choose to drive these life-saving cars by giving them discounts on their insurance premiums. Since safety features help lower the cost and number of accidents on the road, Elephant passes those savings onto drivers who choose to drive cars equipped with these features.

But what makes a car safe?

When you are looking for a car, we think that safety should be one of the most important concerns. Today’s car manufacturers know how important safety is to consumers, but they don’t always do a great job at explaining what it means to be safe.

When it comes down to it, there are some key factors that determine a vehicle’s level of safety. If you incorporate those into your car-buying research, you will have a better chance of purchasing a safer car. Those key factors are: Safety Equipment, Vehicle Weight, and Vehicle Center of Gravity. The IIHS has set a number of effectiveness standards for various safety features that are installed on vehicles. They also perform rigorous crash tests on vehicles – with higher standards than even the NHTSA.

To put it simply, heavier, newer cars with a lower center of gravity tend to be safer overall. But don’t forget about all of the new advanced safety features like automatic braking, backup cameras, and lane detection technology, all of which are designed to help keep you, your passengers, and other drivers on the road safe.

Crash avoidance

The term “crash avoidance” is actually a pretty broad term that includes a number of features to assist the driver in operating the vehicle in a safer manner.  Most of the time, front crash prevention technology helps prevent one vehicle from rear ending another. In one IIHS study, this system reduces accidents by 27 percent. However, when automatic braking is added to the system, that number rises to nearly half.

Blind-spot detection also falls under the crash-avoidance umbrella and studies show it reduces the number of crashes due to lane changing by 14 percent.

Backup cameras

back-up camera in a safe car

Backup cameras have been shown to reduce accidents (and, less insurance claims) and they lessen any damage or injury severity that’s caused in a back-up crash. Basically, they act as another set of eyes, allowing the driver to see in what would typically be blind spots in the rear of the vehicle. One IIHS study found that they help prevent back-up accidents by reducing the blind zone about 90 percent of the time.

Lane detection

Lane-departure warnings alert a driver when the car sways out of its own lane. This important safety feature has garnered a lot of praise due to its ability to help prevent all dangers of head-on crashes and single vehicle sideswipe by around 11 percent. It also decreases the frequency of injuries from these types of crashes by 21% and the fatality rate by over 80%.

Bluetooth technology 

Bluetooth control on steering wheel

Distracted driving is a major cause of accidents in the United States, and cell phone use while behind the wheel is one of the most common distractions. To keep drivers’ eyes and attention on the road instead of what’s on their phone screens, hands-free technology has been introduced, with Bluetooth at the forefront. Studies that show this measure helps reduce distracted driving accidents while other studies show little change. The bottom line is, it’s better to refrain from operating your cell phone in any capacity while behind the wheel and keep both eyes (and all your attention) on the road.

Safe Cars 2018: Top Safety Picks from the IIHS

If you are in the market for a new car and you want one that is safe and could save you money on insurance, the IIHS provides valuable information on what’s available. Each year they release a list of the safest cars based on some tough criteria and standards. The most important thing about these cars is that they provide you and your family the highest level of protection while on the road.

But cars with these types of features go above and beyond just keeping you safe – they can also provide you discounts on your car insurance when you insure with Elephant because when drivers choose safety, they deserve to be rewarded.

Safe cars deserve better rates

This article is intended for informational purposes only. It does not replace or modify the information contained in your insurance policy.