Consumers are aware that each model of car has characteristics making one particular car safer than others. Many of the things that make cars safer are common among all designs. This is because of government regulations requiring the presence of those safety features. Seat belts are a good example of a common safety feature in cars. In other cases, such as the presence of airbags in cars, the safety feature may be utilized to a different extent in various car models.
Other safety characteristics in automobiles are present but hidden from car owners. This is because of the safety feature location on each type of vehicle. Protection against head injury is an example of this situation, with special materials in place underneath the visible interior components of the car.
Consumers can discover which cars are the safest in several ways. They can check with public consumer reports that review the safety features of various car models. They can also consult with their vehicle insurance provider, who also has a vested interest in knowing which car models are the safest to insure.
Major auto insurance companies spend millions of dollars on testing of various models of cars. They use this data to confirm or estimate the effect of new safety features each year. This data, combined with their statistical data obtained from insurance claims is how they determine the amount of premium to charge of each type of vehicle and amount of coverage exposure the company will accept.
When deciding which insurance company to choose as the provider for your car coverage, you might notice that small cars frequently have higher insurance premiums. This is because the insurance companies have statistical data that show small cars are involved in more accidents. The same data shows that accidents in small vehicles are generally more severe for occupants.
Consumers wondering about the comparative safety between two or more car models can ask for car insurance quotes. The data for each type of car can be compared. Then you can ask which car safety features make one car safer than another. This will explain the reasons for premium variation from one car model to another and for differences in car sizes.