Do cars with top safety ratings qualify for discounted insurance?
For example, I know the IIHS gives some cars a "Top Safety Pick" rating. Do these vehicles cost less to insure?
Yes, it’s possible that car insurance companies may offer lower rates if you drive a vehicle with a superior safety rating. This is because safer cars ultimately save them money.
Certain safety features like auto-braking can help prevent crashes and lower the number of insurance claims. Other features like airbags can help protect drivers and passengers and reduce the severity of injuries, thus reducing claim payouts for medical expenses.
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