If you drive a vehicle that is considered “safe” you will have lower annual auto insurance premiums. But how do you know if the car you own or the one you want to buy is a “safe” car? You can research the safety ratings of a vehicle to help you know if it will cost you a lot more money to insure it. One resource for researching a car’s safety records, based on its make, model, and year, is the Highway Loss Data Institute.

The Highway Loss Data Institute and the Insurance Institute for Highway Safety (www.hldi.org) annually publish a summary of the current model year’s safest vehicles by category. The vehicles are rated as good, acceptable, marginal, or poor based on performance in high-speed front and side crash tests and evaluations of seat and head restraints for protection against neck injuries in rear impacts.

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