Crash test ratings tell us which cars best protect against injuries and which cars may incur the greatest amount of damage. They also can tell us which cars are the most expensive to insure. That’s because certain cars that suffer damage in minor collisions could cost more to repair — the cost of a bumper on a Mercedes is more expensive than a bumper on a KIA, for example. So when you’re looking at a car’s safety rating, consider your insurance costs, too. USAA insurance experts recommend the following:
— Shop smart. Safety features such as air bags, anti-lock brakes, anti-theft systems, and daytime running lights might merit a lower premium with your auto insurer.
— How low can you afford to go? You can lower your auto insurance premiums by raising your collision or comprehensive deductible — but remember that you will pay more out of pocket in the event of a loss.
— Keep it clean. A clean driving record can help keep auto insurance premiums low. And a defensive driving training course can more than pay for itself in the form of reduced insurance rates.
— Ask for discounts. Many auto insurance providers offer discounts for multiple vehicles on the same policy, or for young people with good grades in school.
The right coverage doesn’t have to be expensive. Ask your insurance provider to help you review your options and take advantage of discounts on auto premiums.
USAA is a diversified financial services company known for financial strength, outstanding service, and competitive products. Founded in 1922 to serve members of the military and their families, USAA stands ready to help its 5 million members with life’s transitions, challenges, and opportunities by providing financial planning, insurance, investments, and banking. USAA is headquartered in San Antonio.