Car buyers who consider safety a must-have feature can now choose from an even greater variety, according to the 2022 Insurance Institute for Highway Safety’s TOP SAFETY PICK award list.

This year’s list recognized 101 vehicles in all, naming 65 models TOP SAFETY PICK+ choices and another 36 TOP SAFETY PICKs.

In the annual TOP SAFETY PICK awards, the IIHS announces which new models performed best in their evaluations. The list is organized by size and type on the IIHS website.

HOW ARE TOP SAFETY PICKS DETERMINED?

Each year, the IIHS, a nonprofit research and education organization, conducts tests to determine how vehicles fair in two aspects of safety: crashworthiness and crash avoidance/mitigation. It also evaluates other elements of vehicle safety, such as headlight ratings.

The IIHS awarded winners in 11 size categories, from small cars to large pickups.

All award-winning models earned “good” ratings in six crashworthiness tests and offer trims with front-crash prevention systems with “advanced” or “superior” ratings. Every winner must also have at least one headlight system that earns a “good” or “acceptable” rating.

While no new award criteria were introduced this year, some features were common among the winners. Front-crash prevention systems with “advanced” or “superior” ratings in vehicle-to-vehicle and vehicle-to-pedestrian evaluations are standard on all but two TOP SAFETY PICK+ winners and 30 out of 36 TOP SAFETY PICK winners. And although standard “acceptable” headlights can qualify for the higher award, 31 models come exclusively with “good” headlights.

Headlight and front-crash prevention improvements are increasingly becoming standard across the industry. Carmakers have pledged to make vehicle-to-vehicle automatic emergency braking standard on nearly all the light-duty vehicles they produce beginning this September.

(See also: The Driver’s Guide to Headlights)

IIHS has already announced two new evaluations to its awards requirements for 2023: an updated side test and a nighttime pedestrian crash prevention test.

THE 2022 TOP SAFETY PICK WINNERS

This year’s 101 overall picks and 65 TOP SAFETY PICK+ winners surpassed last year’s list of 90 total winners and 49 “plus” vehicles.

Hyundai Motor Group, consisting of Hyundai, Kia and Genesis, led all manufacturers with 21 total TOP SAFETY PICKs, including 11 “plus” award winners. The Korean automaker placed vehicles in nine categories, including four models in the Small SUV class (the Hyundai Tucson was a TOP SAFETY PICK+, while the Hyundai Venue, Kia Seltos and Kia Sportage were all TOP SAFETY PICKS).

The Volkswagen Group, which comprises the Volkswagen and Audi brands, earned 11 accolades, including eight plus selections. Volvo, which led manufacturers with nine TOP SAFETY PICKs+ a year ago, placed 10 in the same category in 2022.

This year’s minivan and pickup truck classes also grew to include four vehicles apiece after only two minivans and one pickup qualified in 2021.

For the full list of winners and ratings, visit iihs.org/ratings.

INSURANCE FOR NEW AND USED CARS

Car shopping doesn’t just mean kicking tires and taking test drives. It’s also an ideal time to examine your auto insurance options. For both endeavors, here are a few articles from our blog that might help:

• What Determines the Price of My Auto Insurance?
• What’s Cheaper: Insuring Old Cars or New Cars?
• Do I Have Insurance When I Drive My New Car Off the Lot?
• What to Know Before Trading In Your Car
• Should You Buy a New or Used Car?
• Car Chip Shortage 2022: What’s Going On?

ERIE requires new teen drivers to be added to a parent or guardian’s auto policy or take out their ownpolicy once they get their license. If your teen driver only has a learner’s permit, he or she is automatically covered under your policy—so no need to touch base with your ERIE Agent just yet.

ADD TO MY POLICY OR GET THEIR OWN?

Deciding whether to add newly licensed drivers to your existing auto policy or have them take out their own policy comes down to the car they’re using.

If they’re using your car, they will be covered under your policy the same way you are. This means they get policy benefits like Feature 15, which never allows your policy to be surcharged for an at-fault accident after your auto policy has been in force for 15 years. The only things your teen driver won’t have are certain rights like the ability to modify deductibles and other coverages—those are reserved for the main policyholder.

You’ll want to take out a policy in your teen driver’s name if he or she holds the car title. If you buy your teen driver a car and you hold the title, you can still add the young driver to your policy. This is usually a less expensive option since your teen benefits from your driving record.

No matter how you choose to insure your teen driver, it’s important to do it as soon as he or she is licensed. Every driver in your house needs protection—and that’s especially true with inexperienced teen drivers. ERIE also aims to assess a fair and accurate premium based on all the drivers in your house, and that’s impossible to
do when drivers aren’t properly disclosed.

If a new teen driver isn’t added to a policy and gets in an accident, ERIE typically covers the claim. However, you may be charged back premium from the time when the teen driver became licensed and should have been added to the policy up to the present time.

KEEPING COSTS IN CHECK

Teen drivers are typically more expensive to insure because they lack a solid driving record and get into more accidents on average than more experienced drivers. That said, there are a few ways to keep car premiums for new teen drivers under control.

They include:

• Choosing ERIE Rate Lock^®: With this optional feature, your low, locked-in premium will never change—even if you submit a claim—until you add or remove a vehicle or driver, or change your primary residence.¹
• Changing your deductibles: You can choose to have different collision and comprehensive deductibles for your teen driver than for yourself under the same policy. Choosing a higher deductible typically lowers the premium.
• Taking an accident prevention course: ERIE offers a discount to teen drivers who complete certain accident prevention programs. Many states only let insurers offer discounts for certain approved programs, so talk with your ERIE Agent before enrolling your teen in a course to make sure it’s discount eligible.
• Maintaining a clean driving record: ERIE has a youthful driver discount for teens who maintain a clean driving record and who meet a few other requirements. Your ERIE Agent can tell you more about it.

As a parent or guardian, you play a big role in helping your teen drive responsibly. Take the time to talk with your teen about the importance of driving safely and avoiding distracted driving.

Autumn is beautiful, but it also introduces some fall driving hazards… deer collisions being one of them. From October to December, mating and hunting season make deer go on the move. For drivers, that means you’re more likely to hit one.

But have you ever wondered how your auto insurance can cover hitting a deer? Are deer collisions covered by comprehensive or collision coverage?

According to the National Insurance Crime Bureau, deer-vehicle collisions are the top animal-related claim in the U.S. Before you get too worried, here are some helpful tips on how to avoid hitting a deer… and how to handle things if you end up hitting one despite your best efforts.

1. Know where the deer are likely to be. Areas with high deer populations are normally marked with a bright yellow sign. Deer also tend to graze in wooded areas or open fields. When driving your usual route to work, be attentive to areas where you’ve seen deer in the past – they are likely to cross there again.
2. Be alert at sunrise and sunset. Deer are more active during dawn and dusk hours.
3. Use your high beams. When possible, use your high beams for better visibility. The extra light will help make it easier to spot a deer, or other animals, lurking alongside the road.
4. Don’t rely on deer gadgets. Whether it’s a deer whistle, deer fence or other type of product to scare away the deer… don’t rely solely on them to keep deer away. Research isn’t exact on whether or not these products truly work. (Related: Fact or Fiction? Debunking 6 Common Myths About Deer)
   
5. When you see one… you’ll probably see more. Deer travel in groups. If one comes across your path, proceed with caution in case there are more.
6. Don’t swerve. Swerving isn’t always the safest option. Hitting a deer might often cause less damage than swerving to avoid it… and then hitting a more dangerous obstacle, like a vehicle in oncoming traffic. (Related: What’s Safer… Swerving or Staying the Course?)
   
7. Wear your seat belt. If you do hit a deer, wearing a seat belt decreases your chances of injury.
8. Spread the word. When friends or family head out on the road, let them know to be careful and alert. Even a simple reminder can help prevent deer collisions.

WHAT TO DO IF YOU HIT A DEER

Taking the above precautions can help you avoid hitting a deer… but nothing can entirely rule out the possibility. Here are steps you can take after you hit a deer.

1. Pull over. Move your vehicle to a safe place off the road. Don’t forget to turn on your hazard lights.
2. Stay away from the deer. An injured deer can still lash out and hurt someone.
3. Assess the damage. When you’re out of harm’s way, examine your vehicle and take photographs of any damage to your car. Use good judgement to know if your car is safe to drive or if you’ll need to call for a tow truck. Learn how to add Emergency Roadside Service to your ERIE auto policy.
4. Call for help. Depending on the circumstances, consider calling the police or an animal expert. While it’s not always required to file a police report, it can provide evidence if you decide to make an insurance claim. If the deer is still in the middle of the road, a trained professional from animal control, the game commission or your local fish and wildlife service can move it away for everyone’s safety.
5. Know if you should file an insurance claim. An insurance professional like an Erie Insurance agent can help you make the decision based on the specifics of your auto insurance policy. Talking with someone you already know and who is familiar with the claims process can help put your mind more at ease.

DOES MY AUTO INSURANCE COVER HITTING A DEER?

You can’t always predict if a deer will walk into your path, but if one does, we’re here to help get you back on the road as soon as possible. At Erie Insurance, deer-vehicle collisions are covered under the comprehensive portion of your auto insurance, which is an optional coverage you can choose to add on. Learn more about how to customize your ERIE auto policy.

For safety-conscious drivers, the 2021 Insurance Institute for Highway Safety TOP SAFETY PICK awards represent a wealth of choices.

Each year, the IIHS, a nonprofit research and education organization, conducts tests to determine which vehicles do the best job of protecting people in the most common kinds of crashes — front, side, rollover and rear. Vehicles must also score well in front crash prevention and headlights.

The IIHS awarded winners in 11 size categories, from small cars to large pickups. This year’s number of vehicles on the IIHS list increased by more than 50 percent over 2020, and the cars earning the premium TOP SAFETY PICK+ accolade more than doubled.

WHAT MAKES A TOP SAFETY PICK?

Almost every year, the IIHS slightly adjusts its criteria for vehicles to earn either TOP SAFETY PICK or TOP SAFETY PICK+ status. When establishing the criteria for the awards, the IIHS phases in new requirements gradually – first as criteria for the “plus” award, then later for the regular TOP SAFETY PICK award. This gives automakers time to plan ahead and adjust future designs.

Here are a few features you’ll find in this year’s top rated vehicles:

• Headlight improvements: Starting last year, only vehicles with good or acceptable headlights across all trims and packages could earn TOP SAFETY PICK+ status. By keeping this standard, automakers responded by more doubling the vehicles that qualify.
• Front crash prevention: Vehicles are not required to have standard front crash prevention to qualify for the awards, but it didn’t hurt any of the winners. All 49 TOP SAFETY PICK+ winners and 31 TOP SAFETY PICK winners have standard systems that meet the vehicle-to-vehicle requirement. And all but one of the “plus” picks also meet the prevention criterion with their standard systems.
• Crashworthiness: Of course, all award winners need strong performance in all six IIHS crash tests. Last year, the IIHS required a higher standard of “good” in the passenger-side small overlap front test. (In 2019, the lower “acceptable” rating was sufficient to win an award.)

For more details on how IIHS crash tests work (and what they look for), visit the safety ratings page on the IIHS website.

THE 2021 TOP SAFETY PICK+ WINNERS

In all, 90 cars and SUVs earned TOP SAFETY PICK status, including 49 that achieved the elite “plus” distinction. This total represents a marked increase from 2020, when 64 models were named TOP SAFETY PICKs and 23 garnered plus designation.

Volvo paced the field with nine TOP SAFETY PICK+ awards. The Swedish automaker placed four models each in the midsize luxury car (S60, S60 Recharge, V60 and V60 Recharge) and midsize luxury SUV (XC 60, XC60 Recharge, XC90 and XC90 Recharge) categories, while its XC40 also earned the distinction in the small SUV class.

Hyundai Motor Group —which manufactures the Hyundai, Kia and Genesis brands — again led all automakers with 12 overall TOP SAFETY PICKS, including five pluses. The Hyundai Palisade and Nexo, Genesis G70 and G90, and the Kia K5 each earned top marks.

For the full list of winners and ratings, visit iihs.org/ratings.

INSURANCE FOR NEW AND USED CARS

Car shopping can represent the perfect time to reconsider your auto insurance. Here are a few related stories from our blog that might provide some helpful insight:

• What Determines the Price of My Auto Insurance?
• What’s Cheaper: Insuring Old Cars or New Cars?
• Do I Have Insurance When I Drive My New Car Off the Lot?
• What to Know Before Trading In Your Car
• Should You Buy a New or Used Car?

Whether you plan on purchasing a 2021 TOP SAFETY PICK, a different vehicle or are sticking with your current set of wheels, a local ERIE agent is ready to help you find the perfect coverage for you. Contact them today to start a conversation.

Winter driving has its challenges. But throw an inexperienced — or inconsiderate — driver into the mix, and your daily commute can get much more difficult.

It’s always aggravating when other drivers put you at risk. Getting stuck behind a driver who is spinning their tires or not paying attention isn’t just annoying… it’s dangerous.

Related: The 7 Biggest Winter Driving Myths, Debunked

Winter driving calls for quick decision making, patience and a little bit of know-how. Below you’ll find ways to spot a rookie winter driver — and how to avoid looking like one yourself:

6 COMMON MISTAKES OF WINTER DRIVERS

1. Tailgating: Usually, drivers tailgate because they want the car in front of them to go faster. This is never OK, especially in the winter months. It takes longer to come to a stop in the winter, so you should always put more distance between you and the car ahead. Impatience on the road rarely pays off – tailgating just puts you and others at risk.
2. Speeding: Speeding can get you into trouble quickly. Make sure you’re never driving faster than what is safe for the conditions. In snowy or icy conditions, that probably means driving below the speed limit. The faster you’re going, the more likely you are to lose control or slide into another car. Expect traffic to move a little slower in the winter and allow extra time to get to your destination.
3. Getting stuck: Driving through deep snow may sound like fun, but chances are it will leave your tires spinning. For your own safety, know when to stay off the road altogether and drive carefully to avoid losing traction in the first place. After all, getting stuck is easy – getting out isn’t.
4. Ice on the windshield: If your car has snow or ice on the windshield, it can be tempting to save time by letting your wipers or defroster remove it as you drive. But driving without full visibility is like driving blindfolded. Use a snow brush or ice scraper to clear your windshield entirely every time you get behind the wheel.  (And don’t just clear a little “window” you can see through!)
5. Snow on the roof: If you’ve ever driven behind someone with snow on their roof, you know it can be an accident waiting to happen. If your car is covered in snow, take the time to clear your roof before you tackle the windows. You’ll keep snow from falling in your field of vision and from hitting the drivers behind you.
6. Driving with high beams on: This can be frustrating in any condition, but some people think that high beams will increase your vision during whiteouts or heavy snowfall. In fact, fog lights and low beams will do much better. Learn what to do if you get stuck driving in a whiteout.

Just like other people’s driving, winter weather can be unpredictable. But even the safest, most experienced drivers can get into an accident. That’s why it’s important to have the right insurance to protect you and your vehicle. Learn about the extras available with every Erie Insurance auto policy.

WANT MORE TIPS FOR WINTER DRIVING?

Check out these related articles:

• 8 Things Your Car Needs in Winter
• Does My Car Need Snow Tires?
• Why (and How) To Get All the Snow and Ice Off of Your Car
• How Cold Weather Affects Tire Pressure
• Here’s Why It’s Worth Getting Regular Car Washes in the Winter