It’s almost a no-brainer that safety is important, when it comes to driving. However, sometimes even seasoned drivers and vehicle owners will ignore the relevance of crash test ratings for Nevada car insurance. The fact of the matter is that being safe inside a moving vehicle is often an issue that goes above and beyond wearing a seatbelt and observing traffic rules. Tragically, it may be the case that the vehicle you are driving was simply not designed at sufficient safety levels. For this reason, it’s important to take crash test ratings into account whenever considering a new car purchase.
To boot, in Nevada this will also influence your odds at accessing more affordable car insurance. That’s because the Nevada Department of Transportation has long since made it its mission to ensure that the number of fatal injuries drops – and it has, steadily and consistently since 2006 onward. As such, check out the facts on crash test ratings below and see how your own vehicle ranks up.
Types of crash test ratings
The list below is by no means exhaustive, but it does include the most commonly performed tests. If you’ve arrived at this article seeking to understand the impact of crash test ratings for Nevada car insurance, you should know that your vehicle has most likely been submitted to one of the following types of tests:
- The roll-over: this test consists of having the car drive with a full load down a test track, at a speed of 35 to 50mph. The vehicle then takes a sharp curve at full speed, during which the measuring tools mounted on the car gauge its reaction to the swerve, as well as its stability factor.
- The lateral impact: best known as the side impact test. According to data provided by the Insurance Institute for Highway Safety, 27 per cent of passenger deaths sustained during car crashes come as results of a lateral impact. During the test, a simulated 3,300 pound car will crash into the vehicle submitted to the test, at a speed of about 30mph.
- The frontal impact: this is the test most people have in mind, when they think of crash tests and their ratings. During the test, each vehicle is made to crash into an obstacle, which comes under the form of another vehicle. The frontal collision usually occurs at a speed of some 40mph.
Why should you care about crash test ratings for Nevada car insurance?
Historically speaking, crash test ratings have generated numerous improvements to vehicles and account for a lot of the safety features we see on modern cars. Airbag seat belts and padding on car dashboards are just a few of those improvements. It is also important to bear in mind that the Insurance Institute for Highway Safety releases a list of its best rated cars each year, as a result of crash testing. The test results are grouped according to vehicle category, from mini vans and SUVs, to small cars and mini cars. If you are on the market for affordable Nevada car insurance, then you will definitely want to shop for a better rated car, rather than one with mediocre results.