Crash Tests for Dummies

School yourself on the car tests and learn how to read the results.

Quick quiz: If a Smart Fortwo microcar (weighing in at 1,800 pounds) and a Mercedes-Benz C300 midsize sedan (3,500 pounds) both get a four-star crash rating for head-on collisions, are they equally safe? // If you answered no, take a bow. The Insurance Institute for Highway Safety recently crash-tested the Fortwo and two minicars against midsize cars to show the impact (literally) of added size and weight in a two-car crash. In the video showing the Fortwo and C300 collision (search YouTube for “offset frontal crash”), the Fortwo is launched, spinning, into the air. In fixed-barrier tests, the tiny cars did a good job of protecting the driver and front passenger. But in collisions with larger vehicles, their occupants would have been seriously injured.

The results raise a couple of crucial questions: What, exactly, do crash-test results mean? And if small cars get pummeled in two-vehicle collisions, should you buy one? Safety is relative. True, the IIHS test was pretty damning, and the accompanying report emphasizes the laws of physics in crash-test safety. It’s also true that crash-test scores are relative: You can compare results only among vehicles of similar size and weight.

But it's not as simple as bigger (and heavier) is better. For example, trucks and SUVs may have the upper hand in crashes with cars, but their advantage is offset by increased risk of rollover.

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As for the Fortwo-versus-C300 crash, Lena Pons, auto-safety expert for the group Public Citizen, notes that such crashes are rare (fewer than 5% of all accidents) and are most likely to occur on rural roads and undivided highways. Plus, she says, “car crashes are not simple physics. There are a number of things you can do to prevent damage.”

The government has already set improved standards to minimize side impact -- the biggest risk for small cars in two-vehicle crashes, according to Pons. The new standards took effect in 2007, and electronic stability control, which helps cars regain traction, will be standard in 2012 models. New features designed to prevent accidents -- such as blind-spot detection, lane-departure warning systems and radar braking -- help avert disaster when size alone cannot.

The height and weight of bigger vehicles are also coming down, as seen in the trend away from traditional SUVs and toward crossover vehicles. Lower bumpers on these new vehicles match up better with those of smaller cars in a crash, reducing damage.

Shopping for safety.

If you’re in the market for a small car, do your research. Adrian Lund, president of IIHS, suggests that you consult ratings for cars from both his organization and the National Highway Traffic Safety Administration, which conducts a slightly different test. Plenty of models earn “good” ratings in the IIHS tests and the maximum five stars in the government’s tests. “There’s no reason to settle for anything less,” says Lund.In addition, buy as much safety technology as you can afford. Buyers are often reluctant to pay more for unseen safety features, says Jack Gillis, of the Consumer Federation of America. But, he notes, “you have a better chance of not becoming a statistic.”

Large sedans and minivans actually have the best overall safety records, says Rae Tyson, of NHTSA. So if you think small might not be your style, just wait -- more fuel efficiency will be designed into vehicles of all sizes. By 2016, under the new system for fuel efficiency, vehicles will be required to get better mileage (39 miles per gallon for cars and 30 mpg for light trucks and SUVs). Carmakers will still produce bigger cars, albeit with smaller engines and reduced horsepower. Alternative powertrains (such as hybrids and diesel engines) and lightweight materials (such as carbon fiber and aluminum) will help them meet the standards without much downsizing.

Jessica L. Anderson
Associate Editor, Kiplinger's Personal Finance
Anderson has been with Kiplinger since January 2004, when she joined the staff as a reporter. Since then, she's covered the gamut of personal finance issues—from mortgages and credit to spending wisely—and she heads up Kiplinger's annual automotive rankings. She holds a BA in journalism and mass communication from the University of North Carolina at Chapel Hill. She was the 2012 president of the Washington Automotive Press Association and serves on its board of directors. In 2014, she was selected for the North American Car and Truck Of the Year jury. The awards, presented at the Detroit Auto Show, have come to be regarded as the most prestigious of their kind in the U.S. because they involve no commercial tie-ins. The jury is composed of nationally recognized journalists from across the U.S. and Canada, who are selected on the basis of audience reach, experience, expertise, product knowledge, and reputation in the automotive community.