A large number of vehicles are available in the market to suit every type of motorist. Though everyone looks for safety and durability in vehicles some adventurous people look for power and speed in vehicles. There are plenty of choices for the thrill seekers who love style, performance and speed in their vehicles. Innovation has lead to the manufacture of many types of high performance vehicles. Due to their affordable prices, these dangerous vehicles have become the favorite of most adventure loving young males.
High performance vehicles are dangerous
It needs a high degree of skills to handle these high performance vehicles. On many occasions there have been fatal crashes resulting from reckless driving of the powerful vehicles. Safety is often compromised in the powerful and cheap vehicles. On account of the numerous accidents that are caused by such automobiles with high speed and performance, they are obviously very expensive to insure. This is because the cost of repair or replacement of these dangerous vehicles.
Premium rates and the degree of danger and risk
Insurance companies base their premium rates on the risk factor of each vehicle being insured. They assess the risk using different parameters that contribute to the risk if the vehicle is damaged or stolen. The vehicle type, make and model are taken into account for determining the premium rate in addition to other factors. High performance and high speed vehicles are prone to accidents and they attract high premium rates. The newer vehicles may cost even more to insure. Young males below the age of 25 are also considered high risk drivers and charged high rates on their auto insurance premiums. Being in this age group and insuring a vehicle like Camaro or Mustang may have to pay ridiculously high rates on their auto insurance.
Motorcycles are the most dangerous vehicles on the roads and they have to be insured with full cover. The use of special gears may not be enough but driving with responsibility is of much more importance. Safety experts have found that the a vehicle’s danger risks depend on vital aspects of the vehicle such as its side impact protection, control of stability and roll over risk.
In spite of having improved safety standards used in the manufacture of these high performance vehicles the drivers mostly young do not realize the importance of driving safely. If a young driver maintains an excellent driving record he can get a lower premium if he considers getting into a family plan for auto insurance.
Most dangerous vehicles
The top five vehicles that are dangerous on the roads are listed by the Forbes Magazine among the top 20 are:
- Buick Rendezvous
- Ford Ranger/Mazda B-Series
- Nissan Frontier
- Ford Escape/ Mercury Mari
- Toyota Yaris
High premiums on insurance and high performance in vehicles no doubt go together. When compared to a standard vehicle, sports cars have almost twice the death rate of occupants when they are involved in collisions. Sports vehicles are a good example of dangerous vehicles that cost high to insure.