why buying a car with high-tech safety features won't make your auto insurance cheaper - new car alarm system
Vehicle safety is still new-car buyers.
In the past half century, safety engineering has made great progress, and the latest features can help drivers avoid accidents.
Some people, such as blind spots and lane departure warning systems, warn motorists to respond to potential problems, while the best people, such as the autonomous driving system in front of them
The brake system, in addition to removing the wheels from the driver's hands, can also prevent hitting another car, even pedestrians and cyclists on the vehicle's path. Rear-
The view camera is now standard for all new cars to make parking safer or to reverse from the garage and driveway.
Few people think the technology can work as advertised.
The AAA Foundation for Traffic Safety estimates that if installed on all vehicles, the collision-
Avoiding technology can prevent more than 2.
7 million dead, 1.
Each year, 1 million people are injured and nearly 9,500 are killed.
But when buying a new car with a senior accident --
One day the avoidance system may save your life and don't expect them to save any money for your car insurance premium.
This is according to a report from the insurance website the zebra.
Com "you would think that as experts prove that these technological advances in car safety are very effective in reducing accidents, the insurance company will adjust the price accordingly to save the cost of consumers, alysssa Connolly, director of market insight at the site, said.
"Unfortunately, this is not the case, because complex technology is more expensive, and people who drive these cars tend to be confused by a false sense of security and in fact become increasingly insecure.
Of the 9 available car safety systems, only one-electronic stability control-triggers a lower rate.
This is only equivalent to an average discount of about $7 per year for premiums of $1,247.
In addition, the fact that stability control has been authorized by the federal government to install all new cars since the 2012 model year is basically discounted only in nominal terms.
At the same time, insurance companies generally do not offer any discounts for forward collision protection, blind spot monitoring, driver alert monitoring, lane monitoring
Warning of departure, rear-
View Camera, head-
Display, night vision or park assistance are available.
Drivers in only one state in Michigan will see their rate drop because they have advanced security features, which is only equivalent to a $7 reduction.
By contrast, zebra.
Com research shows that you will save more money by installing anti-vehicle insurancetheft devices.
The site says the average driver's salary will be reduced by $9.
Passive vehicles disable devices for $60 and $7.
Tracking Equipment $53.
38 for active disabled devices, $5.
04 For alarm system.
Why does auto insurance providers let drivers who pay a lot of money equip their cars and trucks with advanced safety equipment?
This has a lot to do with costs.
The necessary sensors and cameras embedded in the vehicle bumper are expensive to replace.
According to the study, when repairing a bumper that crashed on an ordinary car, it can be from $300 to $700, a damaged bumper with a safety device
Repair costs for system sensors range from $1,000 to $2,500.
We believe that the increase in repair costs will be offset by a reduction in the likelihood of an accident in a car or truck with advanced safety devices.
As far as insurance companies are concerned, they do not think there is enough actuaries data at hand to determine whether these systems reduce the risk of a particular driver getting involved in a crash.
There is also evidence that some drivers may rely too much on advanced safety systems or have no knowledge of their inherent limitations.
A study from AAA found that 80% of drivers
Estimate the ability of their vehicles to be blind
On-site monitoring system.
About 25% said they rely solely on the technology and do not bother to do visual checks to discover upcoming traffic or pedestrians.
Of drivers with a forward collision warning or lane departure warning system, nearly 25% reported that having the technology could make them feel comfortable doing other work while driving.
You can read the full study here.
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