Automakers have made huge progress in safety technology over the years. With a rising focus on safety, the automotive sector is introducing vehicles with advanced safety options and technology.
The cars with the highest safety rating in 2024 include the Tata Harrier, Tata Punch EV and Mahindra XUV 3XO. Having one of these models can not only provide added peace of mind while driving, but it can also affect insurance premiums. Consumers need to know how safety ratings impact premiums when buying a car. Breeze through this article for a detailed account.
The Tata Harrier, Tata Punch EV and Mahindra XUV 3XO have a high safety rating due to their impressive performance in Global NCAP crash tests. The Tata Harrier and Tata Punch EV received a 5-star safety rating from Global NCAP for adult occupant protection. This indicates excellent structural integrity and restraint systems that protect passengers during a collision.
The Mahindra XUV 3XO also earned a 5-star Global NCAP rating for adult occupant protection and a 4-star rating for child occupant protection. That makes it one of the safest compact SUVs available in India.
These vehicles have advanced safety features like multiple airbags, electronic stability control and ISOFIX child seat anchors that contribute to their outstanding safety performance.
Here’s a look at these cars, along with their notable safety features:
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Most car buyers consider safety ratings before making their purchases. Typically, such ratings are offered by Global NCAP, a new-car assessment program. They conduct tests involving the car’s functioning and performance in accident scenarios. High safety ratings mean that the car is packed with innovative technologies to keep the driver and passengers safe in the event of a crash.
Among the most popular features are six airbags. The ABS and ESC must also be included, and the car body must be stable. The Tata Harrier, the Tata Punch EV and the Mahindra XUV 3XO are three cars with excellent safety features.
There are many factors on which the calculation of insurance premiums is based. One of them is the safety rating of a vehicle. Insurers think cars with higher safety ratings are less prone to common risks like crashes. Therefore, their occupants will be better protected, and the vehicles will sustain less damage. Accordingly, these types of vehicles are often eligible for lower insurance premiums.
This can be attributed to the fact that insurers evaluate the likelihood of the vehicle being in an accident and, therefore, the need for expenses such as repair costs, medical costs or others when calculating insurance premiums.
Cars with advanced safety features are often at a lower risk, which, in turn, results in lower insurance premiums. Therefore, having an insured car whose safety rating is favourable in the market, such as the Tata Punch EV or Mahindra XUV 3XO, can save a lot of money.
Advanced safety features greatly lessen the probability and severity of accidents. Some new technologies with the vehicles, like automatic emergency braking, lane departure warning and adaptive cruise control, have become customary for modern cars. These technologies make the cars safe and cap the insurance premiums.
Car insurers see that vehicles with automatic braking and lane departure warnings are much less prone to getting into serious accidents. Thus, the premiums are kept low. It becomes a safe deal to buy such vehicles with state-of-the-art safety technologies.
Lower insurance premiums benefit individual customers and have much broader economic ripples. With the reduction of insurance costs, more people can afford to own a vehicle, and as a result, they are more likely to invest in a safer car.
Eventually, the number of accidents and deaths on the road will diminish, as will the number of hospitalisations and rehabilitation after severe injuries. In other words, the desirability of a safe car for insurance providers will create a mutually profitable process that will eventually benefit everybody.
Select an insurance company that values safety ratings highly. Providers like Acko Insurance recognise the correlation between vehicle safety and insurance premiums. By offering competitive rates for cars with high safety ratings, they make it easier for consumers to access affordable coverage.
Consumers can better understand how safety scores affect insurance and make more informed car-buying decisions. Aside from protecting everybody in the car, choosing a car with advanced safety features and low accident rates results in major savings on insurance rates.
Safety has been a top priority for potential car buyers, and safety ratings also play a huge role in insurance premiums. A vehicle with high safety ratings offers increased protection on the road and can also save you money, as insurance premiums will be much cheaper. Safe driving means less money spent on accidents and insurance, thanks to a lower probability of injuries and less damage sustained in crashes; this also pans out to lower ownership costs.
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Tata Cars in India
Curvv
₹10.00 - ₹19.00 lakh*
*Ex-showroom priceCurvv EV
₹17.49 - ₹21.99 lakh*
*Ex-showroom priceAltroz Racer
₹9.49 - ₹10.99 lakh*
*Ex-showroom pricePunch EV
₹10.99 - ₹15.49 lakh*
*Ex-showroom priceHarrier
₹14.99 - ₹26.44 lakh*
*Ex-showroom priceSafari
₹15.49 - ₹27.34 lakh*
*Ex-showroom priceNexon
₹8.00 - ₹15.60 lakh*
*Ex-showroom priceNexon EV
₹14.49 - ₹19.49 lakh*
*Ex-showroom priceTigor EV
₹12.49 - ₹13.75 lakh*
*Ex-showroom priceTiago EV
₹7.99 - ₹11.89 lakh*
*Ex-showroom pricePunch
₹6.13 - ₹10.20 lakh*
*Ex-showroom priceTiago NRG
₹6.70 - ₹8.80 lakh*
*Ex-showroom priceYodha Pickup
₹9.07 - ₹10.71 lakh*
*Ex-showroom priceTigor
₹6.30 - ₹9.55 lakh*
*Ex-showroom priceAltroz
₹6.65 - ₹10.74 lakh*
*Ex-showroom priceYodha Single
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₹10.24 lakh*
*Ex-showroom priceTiago
₹5.65 - ₹8.90 lakh*
*Ex-showroom priceUpcoming Tata Cars
Nexon CNG
₹10.75 - ₹14.55 lakh*
*Expected PriceExpected Launch Sep 2024
Harrier Petrol
₹13.00 - ₹18.00 lakh*
*Expected PriceExpected Launch Dec 2024
Safari Petrol
₹15.00 - ₹19.00 lakh*
*Expected PriceExpected Launch Dec 2024
Harrier EV
₹30.00 - ₹35.00 lakh*
*Expected PriceExpected Launch Jan 2025
Altroz EV
₹13.40 - ₹14.40 lakh*
*Expected PriceExpected Launch Apr 2025
Punch Turbo
₹8.10 - ₹9.50 lakh*
*Expected PriceExpected Launch Jun 2025
Sierra EV
₹25.00 - ₹30.00 lakh*
*Expected PriceExpected Launch Sep 2026
Avinya
₹35.00 - ₹40.00 lakh*
*Expected PriceExpected Launch Apr 2027
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