Tips for Buying a Reliable and Safe Car
Choosing the right vehicle is about more than style or price—it’s about safety, reliability, and long-term costs. At Suburban Insurance, we help drivers across Colorado, California, Iowa, and Arizona protect what matters most. No matter where you live, selecting a safe and dependable vehicle can reduce risk, lower insurance premiums, and give you peace of mind on the road.
Below are expert tips to help you make a smart vehicle purchase, with special considerations for changing road and weather conditions.
1. Start With Proven Safety Ratings
Safety should always come first. Before purchasing a vehicle, review crash-test ratings from trusted organizations such as:
- Insurance Institute for Highway Safety (IIHS)
- National Highway Traffic Safety Administration (NHTSA)
Look for vehicles that score highly and include modern safety features like:
- Automatic emergency braking
- Forward collision warning
- Blind-spot monitoring
- Lane departure warnings
Vehicles with strong safety records often experience fewer claims and may qualify for more favorable insurance rates.
2. Match the Vehicle to Your Driving Environment
Each state Suburban Insurance serves has its own driving challenges:
- Colorado & Iowa: Snow, ice, and variable road conditions
- California & Arizona: Heavy traffic, long commutes, and extreme heat
Vehicles with features such as all-wheel drive (AWD), electronic stability control, and anti-lock brakes provide better control in poor weather, while good cooling systems and reliability ratings are especially important in hotter climates.
3. Reliability Is a Key Safety Factor
A reliable vehicle reduces the risk of breakdowns, roadside incidents, and unexpected repair costs.
Before buying:
- Research long-term reliability rankings
- Check recall histories
- Review manufacturer reputations
For used vehicles, always request a vehicle history report and consider a professional inspection. Dependable vehicles tend to cost less to insure and hold their value longer.
4. Choose the Right Type of Vehicle
Some vehicle types consistently perform better when it comes to safety and insurance costs:
- Small SUVs and crossovers offer good visibility, crash protection, and versatility
- Sedans with advanced safety features are great for commuting
- Trucks can be practical but may carry higher insurance premiums
High-performance or luxury vehicles often come with increased repair costs and higher insurance rates.
5. Factor in Repair Costs and Parts Availability
From hailstorms to minor collisions, repair costs matter. Vehicles that are expensive to fix or require specialty parts can increase both claim frequency and out-of-pocket expenses.
When researching a car:
- Look into average repair costs
- Consider how common the vehicle is in your area
- Check parts availability
Cars that are easier and less expensive to repair typically result in smoother claims and lower overall insurance costs.
6. Check Insurance Costs Before You Buy
Two vehicles with similar prices can have very different insurance premiums. Rates are influenced by:
- Safety features
- Theft rates
- Repair expenses
- Claim trends for that model
Before finalizing your purchase, contact Suburban Insurance for a quick insurance review. Comparing rates ahead of time can help you avoid surprises and choose a vehicle that fits your long-term budget.
7. New or Used—Safety Still Comes First
Buying used can be a smart financial move, but safety should never be compromised.
If purchasing a used vehicle:
- Confirm all recalls have been completed
- Test all safety systems
- Have the vehicle inspected by a trusted mechanic
A well-maintained used car with modern safety technology can be just as secure as a new one.
Drive Smarter With Suburban Insurance
The right vehicle choice helps protect you, your passengers, and your finances—no matter which state you call home. By focusing on safety, reliability, and insurance impact, you can make a confident decision that serves you well for years to come.
At Suburban Insurance, we proudly serve drivers in Colorado, California, Iowa, and Arizona, offering personalized guidance and coverage options tailored to your needs. If you’re considering a new vehicle, our team is here to help you understand how your choice affects your insurance and ensure you’re properly protected.