Considering the exorbitant prices of most luxury cars, it's a veritable godsend for many cash-strapped consumers when genius car manufacturers have invented cars worth their sticker prices.

Thus it strips off the word luxury, bearing the meaning that it holds up to its name because of its price and nothing else.

Today, prominent car manufacturers like BMW and AUDI had been ravishing the limelight after they received recognition from Consumer Reports on its latest models.

The cars were among the safest cars on the road.

BMW 330i's general safety features that placed it on the top of the list are panic button alarm, side guard door beams, and child-safety door locks.

It is also equipped with driver airbags, a passenger air bag cutoff switch or sensor, a passenger airbag, front side airbag, and side head curtain airbags. The second row side airbag is optional.

For added protection, the BMW 330i is equipped with anti- theft pThe Safest Luxury Cars to Insure Brad Intlehouserevention features. These features are the selective locking or unlocking feature, the locking fuel filler door or cap, valet lockout, and the vehicle anti-lockout device.

It is equipped with a stability control that effectively protects the driver from any swerving or uncontrolled motion.

Moreover, because of the many incidences wherein sudden inflation of airbags had caused accidents, mostly children, BMW 330i airbags are endowed with smart dual-thresholds, sensor, and dual-stage deployment that curb any airbags inflation that were uncalled for.

On the other hand, the Audi A4 luxury car also speaks of genuine craftsmanship.

The safety break features enable the Audi A4 to safeguard its occupants in the event that an accident happens or whenever the road becomes slippery.

A dual-stage and dual-threshold airbag supplemental restraints with occupant sensors were also provided.

It also has a new system of seat belts management and usability that features a safer way of employing seat belts while on the road.

Plus, it has child-friendly safety features like LATCH or the lower anchorage and tethers for children system situated at the rear seats, and child safety rear door locks.

With all these safety features, no wonder they were among the safest cars on the road. This is not just mere recognition for most buyers but also a way of saving more money when getting insurance.

It is because most auto insurance companies charge lower premium rates to drivers who drive safe cars. There are also auto insurance companies that offer additional anti-theft or vehicle tracking discounts.

Moreover, cars, like the ones mentioned, who performed well on car crash tests will keep you safe in an accident and as a side benefit most likely get you lower auto insurance premiums.