Vehicle safety ratings can impact you Florida auto insurance rates

Vehicle safety ratings can impact you Florida auto insurance rates

Vehicle safety ratings can impact you Florida auto insurance rates

There are a lot of good reasons for driving a car that is considered safe by industry standards – and being able to pay lower rates for car insurance in Lake Worth, FL and the other communities B&B Insurance serves is just one of them.  Even those who take the time to shop carefully for Florida auto insurance don’t actually plan on being in a car crash.  But no matter what kind of car insurance policy you have – or which Lake Worth Florida auto insurance agency you purchased it through, driving a car or SUV that is safe and following basic safety precautions (like always wearing your seatbelt!) will make it more likely that you and your family or friends are able to walk away from an accident.

There are a number of car commercials on TV promoting the safety of a particular make and model of car. Sometimes all the claims can get confusing.  And the safety rating of a certain type of car may change from year to year.

If you’re not sure how your current rates are being impacted by safety considerations, the professionals at B and B Insurance, a locally owned and operated car insurance agency in central Palm Beach County, can help.

When it comes to safety, you don’t want to take chances so it’s best to go right to the source and make sure you’re getting the information you need to make an informed decision when shopping for a car, truck or SUV.

And, just as B and B Insurance offers a range of policies for car insurance in Lake Worth, Florida and the other communities we serve in Palm Beach County, you can find a wide range of vehicles that have great safety ratings – from small to large and practical to luxurious!

The Insurance Institute for Highway Safety, known as the IIHS, is the preeminent source for safety ratings.  Every year, the IIHS conducts vehicle tests to determine crashworthiness — how well a vehicle protects its occupants in a crash. They also take technology into account, rating vehicles for their ability to prevent front end collisions with the aid of systems that will warn you – or even hit the brakes for you automatically – to help you avoid slamming into the car or obstruction in front of you or at least lessen the damage.

You may not have thought about it, but you can be sure the IIHS has: headlights are an important safety feature of any vehicle. When you take your car in for service, it’s a good idea to ask your mechanic to check to make sure all your lights – including brake lights – are working properly.

Based on testing their testing, the IIHS awards the vehicles that perform best with their “Top Safety Pick” designation. The distinction was first awarded for cars, trucks and SUVs from the 2006 model year. In 2013, the IIHS added a new designation – their “Top Safety Pick +.”

If you’re in the process of shopping for a new car, it’s worth it to take some time to review the current IIHS Top Safety Picks. And, if you’re in the market for a used car, you’ll be happy to know that the IIHS website also has the test results for previous years posted.

For the 2018 model year, to be rated as a Top Safety Pick, vehicles are rated on how well they perform in a number of different crash situations, including:

  • driver-side small overlap front
  • moderate overlap front
  • side
  • roof strength
  • and
  • head restraint.


To qualify as a Top Safety Pick, a vehicle must also also earn an advanced or superior rating for front-crash prevention and an acceptable or good headlight rating.

To qualify as a 2018 Top Safety Pick +, a vehicle is also tested on how well it performs in the passenger-side small overlap front test and it must earn an advanced or superior rating for front-crash prevention and a good headlight rating.

In many vehicles, the front crash prevention technology is considered optional equipment. Something you’ll want to keep in mind when you’re at the dealership or shopping for your dream car online. Without that technology, it might not qualify as a Top Safety Pick.

As the IIHS explains, there are other factors that may impact safety.  They rate vehicles in various size categories, but caution consumers that, “Size and weight influence occupant protection in serious crashes. Larger, heavier vehicles generally afford more protection than smaller, lighter ones. Thus, a small car that’s a TOP SAFETY PICK+ or TOP SAFETY PICK doesn’t necessarily afford more protection than a bigger car that doesn’t earn the award.”

For information about how the make and model of the car you select may impact the rates you’ll have to pay for auto insurance in Lake Worth, FL or any of the surrounding communities, please contact us at B&B Insurance.

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