Should I buy a new car?
There are many reasons to consider a brand new car and one of the most important is that brand new cars come with all the latest safety features, and being tricked out with things that help keep you safe on the road will pay off when you get Illinois car insurance quotes. Why is that? The answer is simple:
Insurance companies operate on the reality of risk as exposed in actuarial tables. Actuaries calculate risk based on the number and frequency of claims filed. Now, you would think that an old jalopy would be cheaper to get coverage on. But actually, many companies offer new car discounts, plus they give you credit for having enhanced safety features.
Manufacturers should be lauded for installing these new safety technologies. Used to be that a seat belt was the chief safety factor in a vehicle. Then, air bags were added as standard. We began to see more antilock brakes. Then, as technology expanded, so did safety features. It became easy to add a rear view camera that prevented drivers from hitting someone behind them, or running over something left in a driveway or roadway.
Blind spots are a really big problem, so blind spot indicators became available on some models. Lane departure beeping helps keep you awake in case you fall asleep and start to slide over a lane. There are many rollover prevention measures in the design of new cars. Reverse backup sensors beep if you get to close to something behind you.
Assisted breaking recognizes when the driver is making a “panic stop” and automatically gives you more braking power. It’s eerie to experience but a great safety feature. So is forward collision warning, which tells a driver he or she is getting too close to the car in front. Adaptive headlights allow drivers to see better around curves.
New car buyers are seeing more of these advanced technologies to avoid collisions and insurers love them. That’s because they work—they do help avoid accidents. When accidents are avoided, there is no injury or damage, claims are avoided and that’s something companies like. And that is why they provide safety feature discounts.
So if you buy a new care and begin shop around for coverage, be sure to ask what safety discounts you might qualify for.