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Compare the latest new car technology for 2021

Learn about the new vehicle technology, including safety features and driver assistance, that comes standard with the latest car models.

Nowadays new cars come with fancy electronic systems that make driving safer and earn you insurance discounts. Learn what all those three-letter acronyms stand for and whether these new car tech features are worth having on your own new car.

The 10 types of new car technology

These days car manufactures are constantly coming out with new upgraded systems and devices that make driving safer and more conformable. New cars are increasingly being fitted with Safety Assist Technology to help avoid collisions and, in some cases, enable them to drive autonomously.

New technology is great, but it should never be used to compensate for a tired, distracted or lazy driver. Combining new car technology with safe driving habits is a great way to help decrease your chances of getting into a serious accident.

Here we brake down 10 of the newest car technology features on the Canadian market.

1. Autonomous emergency braking (AEB)

emergency brake assistAutonomous emergency braking, a more common feature, uses sensors to warn the driver about collisions and, if necessary, autonomously apply the brakes. Cars with AEB have multiple sensors, cameras and radar systems to detect cars, humans, cyclists and large animals in front and to the sides of the vehicle.

The computer systems constantly monitor this information and use it to warn the driver of possible collisions. Some cars beep or vibrate the steering wheel, others have voice commands. If no action is taken and a collision is imminent, AEB will do what its name suggests and slow or stop the vehicle.

  • Pros: Has the potential to prevent collisions.
  • Cons: Nil.

2. Adaptive cruise

adaptive cruiseAdaptive cruise has taken traditional cruise control and enhanced it. Using sensors and cameras, the cruise control system can automatically increase or decrease speed based on what is happening up ahead. More advanced systems can bring the car to a complete stop and then accelerate back to travelling speed when appropriate.

  • Pros: Good for people who do a lot of freeway driving.
  • Cons: The driver needs to be aware of how the car will react in different situations.

3. Adaptive headlights

car headlightsYour eyes follow the road but traditional headlights don’t. That’s where adaptive headlights come in.

They are linked to the steering system and turn based on your steering to follow the road. This greatly enhances visibility during night drives.

  • Pros: Makes night driving easier and safer.
  • Cons: Nil (other than the cost if you need to repair it).

4. High beam assist

car high beamsHigh beam assist detects oncoming traffic and vehicles up ahead and dims your high beams automatically.

It is generally linked with an adaptive headlight system.

  • Pros: Prevents other drivers from struggling to drive at night.
  • Cons: The technology is still prone to error and doesn’t necessary take into consideration your personal driving preferences.

5. Blind spot detection

car blind spot mirrorHaving more eyes on the road is always a good thing and blind spot detection helps with exactly that. Cars fitted with blind spot detection have sensors that monitor the sides of your vehicle and flash warning lights in your mirrors if there is a car in your blind spot.

Basic systems beep if you attempt to change lanes when it’s not safe to do so and more advanced versions will auto-steer or brake to prevent you from changing lanes.

  • Pros: Great safety feature that prevents one of the more common forms of driver error.
  • Cons: Nil.

6. Emergency assist

car accidentEmergency assist detects if the car has been involved in a serious accident and automatically contacts emergency services.

In some vehicles, it activates when the airbags deploy. It can also guide emergency services to the car’s location.

  • Pros: Useful, but perhaps less so now that we have smartphones.
  • Cons: Nil.

7. Lane departure warning

car lane detectorThis feature is a saviour for those who get tired easily when driving. It warns the driver, either through steering wheel vibrations or beeping, when the car changes lanes “unintentionally”.

The systems use a range of inputs to determine how drowsy the driver is or if the car is changing lanes without indication.

  • Pros: Good for those who frequently do long drives.
  • Cons: If you’re fatigued you need to stop and rest, not just have your car send out alerts.

8. Rear cross traffic alert

 car rearview mirrorThese are sensors on the back of the vehicle that help the driver avoid collisions when reversing.

The system monitors both sides of the car and warns the driver of any incoming objects. Advanced systems will autonomously brake if something is detected.

  • Pros: Has the potential to prevent devastating driveway accidents.
  • Cons: Like all of these technologies, it shouldn’t replace driver awareness.

9. Parking assist

vehicle parking assistOnce you find a parking spot, parking assist will help get you into it.

Cameras and sensors judge whether you will fit into the spot and if so, will guide your car in. It works for both reverse and parallel parking.

  • Pros: Good for smaller people who can’t easily see around the vehicle.
  • Cons: Prone to not working. It’s possibly easier to just park the car yourself.

10. 360-degree imaging

360 degree imagingJust like a reverse camera, but for all sides of the vehicle. External images from around the vehicle are displayed on the dash to help when parking or performing fine manoeuvres.

  • Pros: Handy if you’re a smaller person or not as mobile and you find it hard to visually check around the vehicle.
  • Cons: Can narrow the driver’s focus to inside the car and keeps them from watching what is going on around them.

Compare car loans to buy your new high-tech ride

Are you interested in purchasing a car with the latest tech features? We’ve rounded up a list of reputable Canadian car loan companies in the table below to help you compare your auto financing options and take the leap into the next generation of new car technology.

Name Product Loan Amount Interest Rate Loan Term Min. Credit Score Requirements Table description
Loans Canada Car Loans
$500 - $35,000
0% - 29.99%
3 - 96 months
300
Min. income of $1,800 /month, 3+ months employed
Compare rates from multiple lenders.
Complete a single application to get quotes from different lenders. Bad credit, CERB and EI borrowers considered.
goPeer Car Loan
$1,000 - $25,000
8.00% - 31.00%
36 - 60 months
600
Min. income of $40,000 /year
P2P platform with competitive rates.
Canada's first regulated consumer peer-to-peer lending platform that connects creditworthy Canadians looking for a loan with Canadians looking to invest.
AutoLoanProviders
$7,500 - $85,000
3.99% - 29.99%
12 - 96 months
300
Min. income of $1,800 /month, 1+ months employed
Available in Ontario only.
Apply online and get your new vehicle delivered to your door anywhere in Ontario free of charge. All credit scores considered.
CarsFast Car Loans
$500 - $75,000
4.90% - 29.90%
12 - 96 months
300
Min. income of $1,800 /month, 3+ months employed
Get a new or used vehicle delivered to your door.
Browse thousands of vehicles from dealers across Canada and get matched with financing that meets your needs.
Coast Capital Car Loan
$10,000 - No Max.
Varies
18 - 84 months
650
Able to service debt payment of $300/month
Competitive rates and flexible terms.
Finance new and used vehicles from one of Canada's largest credit unions. No credit union membership required. Available across Canada except SK, QC, NT, NU, YT.
Splash Auto Finance
$10,000 - $50,000
9.90% - 29.90%
24 - 84 months
300
Min. income of $2,200 /month, 3+ months employed
Apply with any credit score.
Get financing for a new or used car. Auto loans for borrowers with fair credit, bad credit, no credit or bankruptcy.
LoanConnect Car Loans
$500 - $50,000
9.90% - 46.96%
3 - 120 months
550
No min. income requirement
Pre-approval in as little as 60 seconds.
Get access to 25+ lenders through this brokerage. Get your funds in as little as 24 hours.
Canada Auto Finance
$500 - $45,000
4.90% - 29.95%
3 - 96 months
300
Min. income of $1,500 /month, 3+ months employed
Get financing from partnered local lenders.
Financing for a new or used car is available for borrowers with bad credit, no credit, CERB, EI or bankruptcy.
Carloans411 Car Loans
$500 - $50,000
1.90% - 19.99%
Up to 72 months
300
Min. income of $1,600 /month, 3+ months employed
High application approval rate.
Get connected with suitable lenders to finance your next car, van or truck. Check eligibility for this loan through LoanConnect.
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Compare up to 4 providers

How can new car technology help you save on insurance?

Most new car technology included in the latest model vehicles is geared towards improving safety on the road – which is good news for car insurance companies. The more safety features included in your car, the less likely it is you’ll get into an accident requiring costly repairs. That means your insurer will probably end up putting out less money over your policy’s term than it would for a car without those safety features.

Because of that, insurance companies try to incentivize getting cars with built-in safety features by offering discounted policies for safer cars. Owning a vehicle with factory-installed safety features – like airbags, anti-lock brakes, a dashcam or other new safety features discussed on this page – could save you up to 20% on the cost of your car insurance.

20+ car insurance discounts to lower your premiums

Compare providers that offer car insurance discounts

Below is a list of Canadian car insurance companies that offer various types of car insurance discounts. Get a free quote to learn what you may be eligible for.

Name Product Accident Forgiveness Min. Liability Coverage Discounts Available Online Claims Available Provinces
Surex Auto Insurance
Yes
$1,000,000
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon
Submit one application and receive quotes from 10+ insurers. Save up to 25% on your car insurance, plus get access to an insurance advisor.

Who it might be good for: Drivers looking to use an insurance broker to compare multiple pricing and coverage options.
Sonnet Auto Insurance
Yes
Varies by Province
Up to 25%
Alberta, New Brunswick, Nova Scotia, Ontario, PEI, Quebec
Get auto insurance with Sonnet in just five minutes. Save up to 25% on your auto insurance through discounts and bundling options.

Who it might be good for: Drivers looking to apply and manage their car insurance completely online.
Onlia Car Insurance
Yes
$1,000,000
Over $500*
Ontario
Get premium auto insurance coverage with Onlia. Save money on your auto insurance through safe driving discounts and bundling insurance options.

Who it might be good for: Drivers in Ontario looking to save on insurance costs by driving safely.
Intact Car Insurance
Yes
$1,000,000
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon
Get car insurance with Intact and enjoy a quick turnaround on any lodged claims. Get a free quote through Surex.

Who it might be good for: Drivers looking to get rewarded for good driving behaviour.
Aviva Car Insurance
Yes
$1,000,000
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon
Aviva car insurance offers customizable policies, discounts and optional insurance coverage add-ons. Get a free quote through Surex.

Who it might be good for: Drivers looking to customize their auto policy.
Travelers Car Insurance
Yes
$1,000,000
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon
Travelers auto insurance offers a selection of coverage options for just about any type of vehicle. Get a free quote through Surex.

Who it might be good for: Drivers looking to get car, motorcycle, classic car, motorhome or recreational vehicle coverage.
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Bottom line

Like all new technology that comes into the market, new car technology is not perfect and some of it is still being improved. Expect instances where the sensors and computers simply cannot deal with the complexity of the situation. Most of this technology is also driver “assist”, not driver “replacement”. It still needs a competent operator to work with it and can be let down by human error.

The biggest critique of new car tech is that it can cause drivers to become less attentive and more lazy. However, if used in conjunction with good driving habits, it could mean the difference between a few little beeps and a major accident. And you could enjoy discounts on car insurance for having more safety features, so it pays to shop around to find the best safe car discounts.

In-text pictures: Shutterstock

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