[Federal Register Volume 62, Number 45 (Friday, March 7, 1997)]
[Notices]
[Pages 10607-10614]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 96-5721]
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DEPARTMENT OF TRANSPORTATION
National Highway Traffic Safety Administration
[Docket No. 74-40; Notice 9]
Insurance Cost Information Regulation
AGENCY: National Highway Traffic Safety Administration (NHTSA), DOT.
ACTION: Notice of text and data for 1997 Insurance Cost Information
Booklet.
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SUMMARY: This notice provides the 1997 text and data that new car
dealers must include in an insurance cost information booklet that they
must make available to prospective purchasers, pursuant to 49 CFR
582.4. This information may assist prospective purchasers in comparing
differences in passenger vehicle collision loss experience that could
affect auto insurance costs.
FOR FURTHER INFORMATION CONTACT: Mr. Orron Kee, Office of Market
Incentives, NHTSA, 400 Seventh Street S.W., Washington, DC 20590 (202-
366-4936).
SUPPLEMENTARY INFORMATION: Pursuant to section 201(e) of the Motor
Vehicle Information and Cost Savings Act, 15 U.S.C. 1941(e), on March
5, 1993, 58 FR 12545, the National Highway Traffic Safety
Administration (NHTSA) amended 49 CFR Part 582, Insurance Cost
Information Regulation, to require dealers of new automobiles to
distribute to prospective customers information that compares
differences in insurance costs of different makes and models of
passenger cars based on differences in damage susceptibility. On March
17, 1994, NHTSA denied a petition submitted by the National Automobile
Dealers Association (NADA) for NHTSA to reconsider Part 582 insofar as
it requires new automobile dealers to prepare the requisite number of
copies for distribution of the insurance cost information to
prospective purchasers. 59 FR 13630. On March 24, 1995, NHTSA published
a Final Rule to amend Part 582 in a number of respects. 60 FR 15509.
Pursuant to 49 CFR Sec. 582.4, new automobile dealers are required
to make available to prospective purchasers booklets that include this
comparative information as well as certain mandatory explanatory text
that is set out in section 582.5. Early each year, NHTSA publishes
updated annual data in the Notices section of the Federal Register.
Booklets reflecting the updated data must be available for distribution
to prospective purchasers without charge within 30 days from the date
of publication of the data in the Federal Register.
NHTSA has mailed a sample copy of the 1997 booklet to each dealer
on the mailing list that the Department of Energy uses to distribute
the ``Gas Mileage Guide.'' Dealers will have the responsibility of
reproducing a sufficient number of copies of the booklet to assure that
they are available for retention by prospective purchasers by April 7,
1997. Dealers who do not receive a copy of the booklet within 15 days
of the date of this notice should contact Mr. Orron Kee of NHTSA's
Office of Planning and Consumer Programs ((202) 366-0846) to receive a
copy of the booklet and to be added to the mailing list.
The required text and data are as follows:
FEBRUARY 1997
COMPARISON OF DIFFERENCES IN INSURANCE COSTS FOR PASSENGER CARS,
STATION WAGONS/PASSENGER VANS, PICKUPS AND UTILITY VEHICLES ON THE
BASIS OF DAMAGE SUSCEPTIBILITY
The National Highway Traffic Safety Administration (NHTSA) has
provided the information in this booklet in compliance with Federal law
as an aid to consumers considering the purchase of a new car. The
booklet compares differences in insurance costs for different makes and
models of passenger cars, station wagons/passenger vans, pickups, and
utility vehicles on the basis of damage susceptibility. However, it
does not indicate a vehicle's relative safety.
The following table contains the best available information
regarding the effect of damage susceptibility on auto insurance
premiums. It was taken from data compiled by the Highway Loss Data
Institute (HLDI) in its December 1996 Insurance Collision Report, and
reflects the collision loss experience of passenger cars, utility
vehicles, light trucks, and vans sold in the United States in terms of
the average loss payment per insured vehicle year for model years 1994-
1996. NHTSA has not verified the data in this table.
The table presents vehicles' collision loss experience in relative
terms, with 100 representing the average for all passenger vehicles.
Thus, a rating of 122 reflects a collision loss experience that is 22
percent higher (worse) than average while a rating of 96 reflects a
collision loss experience that is 4 per cent lower (better) than
average. The table is not relevant for models that have been
substantially redesigned for 1997, and it does not include information
about models without enough insurance claims experience.
Although many insurance companies use the HLDI information to
adjust the ``base rate'' for the collision portion of their auto
insurance premiums, the amount of any such adjustment is usually small.
It is unlikely that your total premium will vary more than ten per cent
depending upon the collision loss experience of a particular vehicle.
If you do not purchase collision coverage or your insurance company
does not use the HLDI information, your premium will not vary at all in
relation to these rankings.
In addition, different insurance companies often charge different
premiums for the same driver and vehicle. Therefore, you should contact
insurance companies or their agents directly to determine the actual
[[Page 10608]]
premium that you will be charged for insuring a particular vehicle.
Please Note: In setting auto insurance premiums, insurance
companies mainly rely on factors that are not directly related to
the vehicle itself (except for its value). Rather, they mainly
consider driver characteristics (such as age, gender, marital
status, and driving record), the geographic area in which the
vehicle is driven, how many miles are traveled, and how the vehicle
is used. Therefore, to obtain complete information about insurance
premiums, you should contact insurance companies or their agents
directly.
Insurance companies do not generally adjust their premiums on the
basis of data reflecting the crashworthiness of different vehicles.
However, some companies adjust their premiums for personal injury
protection and medical payments coverage if the insured vehicle has
features that are likely to improve its crashworthiness, such as air
bags and automatic seat belts.
Test data relating to vehicle crashworthiness are available from
NHTSA's New Car Assessment Program (NCAP). NCAP test results
demonstrate relative frontal crash protection in new vehicles.
Information on vehicles that NHTSA has tested in the NCAP program can
be obtained by calling the agency's toll-free Auto Safety Hotline at
(800) 424-9393. This information also is available on NHTSA's Web site
on the internet (http://www.nhtsa.dot.gov).
Collision Insurance Losses, Model Year 1994-96 Passenger Motor Vehicles
*
------------------------------------------------------------------------
Relative loss
Make Model payment
------------------------------------------------------------------------
Small Cars--Two Door Models
------------------------------------------------------------------------
Average for small two-door ....................... 122
models.
Saturn..................... SC..................... 100
Geo........................ Metro.................. 111
Volkswagen................. Cabrio convertible..... 114
Subaru..................... Impreza 4WD............ 125
Subaru..................... Impreza................ 125
Ford....................... Escort................. 126
Eagle...................... Summit................. 130
Hyundai.................... Accent................. 133
Mitsubishi................. Eclipse................ 134
Toyota..................... Tercel................. 140
Ford....................... Aspire................. 140
Suzuki..................... Swift.................. 140
Mitsubishi................. Mirage................. 142
Eagle...................... Talon.................. 142
Eagle...................... Talon 4WD.............. 151
Volkswagen................. GTI.................... 160
Mitsubishi................. Eclipse 4WD............ 178
Nissan..................... 240SX.................. 183
------------------------------------------------------------------------
Four-Door Models
------------------------------------------------------------------------
Average for small four-door ....................... 119
models.
Subaru..................... Impreza 4WD............ 105
Ford....................... Escort................. 106
Subaru..................... Impreza................ 110
Mercury.................... Tracer................. 112
Volkswagen................. Golf III............... 112
Geo........................ Prizm.................. 117
Toyota..................... Corolla................ 118
Hyundai.................... Accent................. 128
Eagle...................... Summit................. 130
Volkswagen................. Jetta III.............. 131
KIA........................ Sephia................. 132
Ford....................... Aspire................. 136
Geo........................ Metro.................. 137
Mitsubishi................. Mirage................. 144
Toyota..................... Tercel................. 152
------------------------------------------------------------------------
Station Wagons/Passenger Vans
------------------------------------------------------------------------
Average for small station ....................... 84
wagons/passenger vans.
Eagle...................... Summit................. 62
Mercury.................... Tracer................. 80
Ford....................... Escort................. 81
Subaru..................... Impreza 4WD............ 89
Toyota..................... Corolla................ 111
Eagle...................... Summit 4WD............. 116
------------------------------------------------------------------------
Sports Models
------------------------------------------------------------------------
Average for small sports models ....................... 150
Mazda...................... MX-5 Miata convertible. 106
[[Page 10609]]
Honda...................... Civic Del Sol 128
convertible.
Dodge...................... Stealth................ 143
Mercedes................... SL Class convertible... 152
Mitsubishi................. 3000 GT................ 160
Chevrolet.................. Corvette............... 166
Chevrolet.................. Corvette convertible... 166
Nissan..................... 300ZX.................. 211
Porsche.................... 911 convertible........ 238
Porsche.................... 911 Targa/Coupe........ 256
Mitsubishi................. 3000 GT 4WD............ 325
Dodge...................... Viper convertible...... 445
------------------------------------------------------------------------
Mid-Size Cars--Two-Door Models
------------------------------------------------------------------------
Average for mid-size two-door ....................... 111
models.
Chrysler................... Sebring convertible.... 69
Buick...................... Regal.................. 69
Buick...................... Skylark................ 80
Oldsmobile................. Cutlass Supreme........ 81
Toyota..................... Celica convertible..... 87
Chevrolet.................. Monte Carlo............ 88
Oldsmobile................. Achieva................ 88
Pontiac.................... Grand Prix............. 90
Pontiac.................... Grand Am............... 94
Honda...................... Accord................. 105
Chevrolet.................. Beretta................ 108
Nissan..................... 200SX.................. 110
Saab....................... 900.................... 111
Honda...................... Civic.................. 111
Toyota..................... Camry.................. 112
Chevrolet.................. Cavalier............... 112
Plymouth................... Neon................... 116
Honda...................... Civic Coupe............ 121
Pontiac.................... Sunfire................ 121
Dodge...................... Neon................... 123
Chrysler................... Sebring................ 123
Dodge...................... Avenger................ 125
Acura...................... Integra................ 141
Mazda...................... MX-6................... 145
Toyota..................... Celica................. 147
BMW........................ 318ti.................. 150
Ford....................... Probe.................. 157
Honda...................... Prelude................ 162
------------------------------------------------------------------------
Four-Door Models
------------------------------------------------------------------------
Average for mid-size four-door ....................... 94
models.
Buick...................... Regal.................. 64
Oldsmobile................. Cutlass Supreme........ 69
Mercury.................... Sable.................. 69
Oldsmobile................. Cutlass Ciera.......... 71
Chevrolet.................. Lumina................. 71
Chrysler................... Cirrus................. 76
Ford....................... Taurus................. 77
Buick...................... Century................ 77
Buick...................... Skylark................ 78
Saturn..................... SL..................... 80
Mercury.................... Mystique............... 80
Pontiac.................... Grand Prix............. 81
Dodge...................... Stratus................ 82
Ford....................... Contour................ 84
Pontiac.................... Grand Am............... 86
Plymouth................... Breeze................. 86
Chevrolet.................. Corsica................ 87
Chevrolet.................. Cavalier............... 88
Oldsmobile................. Achieva................ 89
Infiniti................... I30.................... 92
Honda...................... Civic.................. 95
Toyota..................... Avalon................. 97
Honda...................... Accord................. 98
[[Page 10610]]
Dodge...................... Neon................... 98
Pontiac.................... Sunfire................ 100
Plymouth................... Neon................... 102
Mitsubishi................. Diamante............... 103
Toyota..................... Camry.................. 106
Nissan..................... Altima................. 108
Subaru..................... Legacy................. 109
Volvo...................... 850.................... 110
Mitsubishi................. Galant................. 111
Nissan..................... Sentra................. 113
Subaru..................... Legacy 4WD............. 113
Volkswagen................. Passat................. 113
Mazda...................... Protege................ 118
Lexus...................... ES 300................. 120
Audi....................... A4 Quattro............. 120
Mazda...................... 626.................... 121
Nissan..................... Maxima................. 123
Mazda...................... Millenia............... 125
Infiniti................... G20.................... 130
Acura...................... Integra................ 131
Hyundai.................... Sonata................. 131
Saab....................... 900.................... 142
Audi....................... A4..................... 168
------------------------------------------------------------------------
Station Wagons/Passenger Vans
------------------------------------------------------------------------
Average for mid-size station ....................... 86
wagons/passenger vans.
Mercury.................... Sable.................. 59
Oldsmobile................. Cutlass Ciera.......... 63
Saturn..................... SW..................... 69
Buick...................... Century................ 75
Honda...................... Accord................. 87
Mitsubishi................. Expo................... 93
Ford....................... Taurus................. 98
Toyota..................... Camry.................. 100
Volvo...................... 850.................... 112
Subaru..................... Legacy 4WD............. 114
Volkswagen................. Passat................. 118
------------------------------------------------------------------------
Sports Models
------------------------------------------------------------------------
Average for mid-size sports ....................... 150
models.
Saab....................... 900 convertible........ 137
Ford....................... Mustang convertible.... 138
Nissan..................... 300ZX 2+2.............. 139
Pontiac.................... Firebird convertible... 140
Chevrolet.................. Camaro convertible..... 145
Pontiac.................... Firebird............... 148
Ford....................... Mustang................ 151
Chevrolet.................. Camaro................. 153
Subaru..................... SVX 4WD................ 159
Audi....................... Cabriolet convertible.. 178
Toyota..................... Supra.................. 268
Luxury Models
------------------------------------------------------------------------
Average for mid-size luxury ....................... 139
models.
Lincoln.................... Continental............ 94
Cadillac................... Eldorado............... 104
Audi....................... A6 four-door........... 106
Volvo...................... 940/960 station wagon.. 119
Volvo...................... 940/960 four-door...... 125
Audi....................... A6/S6 Quattro 4-door... 128
BMW........................ 3 Series convertible... 137
Mercedes................... C Class four-door...... 143
Infiniti................... J30.................... 150
BMW........................ 3 Series four-door..... 151
Lexus...................... SC 300/400............. 159
Saab....................... 9000 four-door......... 171
Lexus...................... GS 300................. 183
BMW........................ 3 Series two-door...... 186
[[Page 10611]]
Jaguar..................... XJ-S convertible....... 191
BMW........................ 8 Series two-door...... 422
------------------------------------------------------------------------
Large Cars--Two-Door Models
------------------------------------------------------------------------
Average for large two-door ....................... 89
models.
Buick...................... Riviera................ 74
Mercury.................... Cougar................. 85
Ford....................... Thunderbird............ 92
------------------------------------------------------------------------
Four-Door Models
------------------------------------------------------------------------
Average for large four-door ....................... 80
models.
Mercury.................... Grand Marquis.......... 67
Ford....................... Crown Victoria......... 69
Buick...................... LeSabre................ 76
Oldsmobile................. Eighty-Eight........... 77
Chrysler................... Concorde............... 77
Eagle...................... Vision................. 82
Buick...................... Park Avenue............ 82
Pontiac.................... Bonneville............. 83
Chevrolet.................. Caprice................ 83
Oldsmobile................. Ninety-Eight........... 84
Dodge...................... Intrepid............... 86
Buick...................... Roadmaster............. 89
Chrysler................... New Yorker............. 91
Acura...................... TL..................... 134
------------------------------------------------------------------------
Station Wagons/Passenger Vans
------------------------------------------------------------------------
Average for large station ....................... 69
wagons/passenger vans.
GMC........................ Safari Van............. 61
Chevrolet.................. Astro Van.............. 61
Pontiac.................... Trans Sport............ 65
Dodge...................... Caravan................ 65
Chevrolet.................. Astro Van 4WD.......... 65
Chrysler................... Town & Country......... 67
GMC........................ Safari Van 4WD......... 67
Plymouth................... Voyager................ 67
Chevrolet.................. Lumina APV............. 69
Honda...................... Odyssey Wagon.......... 70
Mercury.................... Villager Wagon......... 70
Nissan..................... Quest Wagon............ 71
Ford....................... Aerostar Van........... 74
Ford....................... Windstar Wagon......... 77
Oldsmobile................. Silhouette............. 77
Buick...................... Roadmaster Wagon....... 84
Ford....................... Aerostar Van 4WD....... 88
Chevrolet.................. Caprice................ 90
Toyota..................... Previa Van............. 90
Toyota..................... Previa Van 4WD......... 99
------------------------------------------------------------------------
Luxury Models
------------------------------------------------------------------------
Average for large luxury models ....................... 110
Oldsmobile................. Aurora................. 81
Lincoln.................... Town Car............... 84
Cadillac................... De Ville 4-door........ 87
Chrysler................... LHS.................... 99
BMW........................ 7 Series four-door..... 107
Cadillac................... Seville................ 109
Cadillac................... Brougham............... 115
Lincoln.................... Mark VIII.............. 122
Mercedes................... E Class 4-door......... 150
Mercedes................... S Class LWB 4-door..... 151
Lexus...................... LS 400................. 160
Mercedes................... S Class two-door....... 167
Jaguar..................... XJ four-door........... 167
Mercedes................... S Class SWB 4-door..... 168
[[Page 10612]]
Infiniti................... Q45.................... 173
------------------------------------------------------------------------
Small Pickups
------------------------------------------------------------------------
Average for small pickups...... ....................... 84
Mazda...................... Regular/ext. Cab 4X4... 63
Mazda...................... Regular/ext. Cab....... 69
Dodge...................... Dakota Series.......... 70
GMC........................ T15 Series two-door 4X4 75
Dodge...................... Dakota Series 4X4...... 76
Ford....................... Ranger Series.......... 78
GMC........................ S15 Series two-door.... 81
Chevrolet.................. S10 Series two-door.... 82
Chevrolet.................. T10 Series two-door 4X4 84
Mitsubishi................. Regular/ext. Cab....... 95
Ford....................... Ranger Series 4X4...... 103
Nissan..................... Regular/ext. Cab....... 108
Toyota..................... Tacoma Regular/ext. Cab 109
4X4.
Toyota..................... Tacoma Regular/ext. Cab 120
------------------------------------------------------------------------
Standard Pickups
------------------------------------------------------------------------
Average for standard pickups... ....................... 69
Ford....................... F-150 Series 4X4 (1997) 52
Chevrolet.................. 1500 Series............ 58
Ford....................... F-150 Series (1997).... 59
Ford....................... F-250 Series........... 60
GMC........................ 2500 Series 4X4........ 61
Ford....................... F-250 (with air bag)... 62
Ford....................... F-350 Series........... 63
Chevrolet.................. 2500 Series............ 63
GMC........................ 1500 Series............ 64
Chevrolet.................. 1500 Series 4X4........ 64
GMC........................ 1500 Series 4X4........ 64
Chevrolet.................. 2500 Series 4X4........ 65
GMC........................ 3500 Series 4X4........ 66
Ford....................... F-150 Series........... 68
GMC........................ 3500 Series............ 69
GMC........................ 2500 Series............ 71
Ford....................... F-250 Series 4X4....... 72
Chevrolet.................. 3500 Series 4X4........ 72
Chevrolet.................. 3500 Series............ 73
Ford....................... F-150 Series 4X4....... 73
Dodge...................... Ram 1500 Series........ 79
Ford....................... F-350 Series........... 84
Dodge...................... Ram 1500 Series 4X4.... 89
Dodge...................... Ram 2500 Series........ 92
Dodge...................... Ram 2500 Series 4X4.... 98
Toyota..................... T100 Reg/ext cab....... 99
Dodge...................... Ram 3500 Series........ 99
Toyota..................... T100 Reg/ext cab 4X4... 103
Dodge...................... Ram 3500 Series 4X4.... 119
------------------------------------------------------------------------
Utility Vehicles--Small Utility Vehicles
------------------------------------------------------------------------
Average for small utility ....................... 92
vehicles.
Geo........................ Tracker 4-door 4X4..... 73
Geo........................ Tracker 2-door 4X4..... 103
Suzuki..................... Sidekick 4-door 4X4.... 104
Toyota..................... RAV4 4-door 4X4........ 129
------------------------------------------------------------------------
Intermediate Utility Vehicles
------------------------------------------------------------------------
Average for intermediate ....................... 89
utility vehicles.
Chevrolet.................. Tahoe 4-door........... 39
GMC........................ Yukon 4-door 4WD....... 54
Chevrolet.................. Tahoe 4-door 4WD....... 54
GMC........................ Yukon 4-door........... 57
Land Rover................. Range Rover............ 59
[[Page 10613]]
GMC........................ Yukon 2-door 4X4....... 63
Jeep....................... Cherokee 2-door........ 66
Chevrolet.................. Tahoe 2-door 4X4....... 67
Jeep....................... Grand Cherokee 4-door.. 73
Jeep....................... Cherokee 4-door........ 75
Jeep....................... Cherokee 2-door 4X4.... 76
Ford....................... Explorer 4-door........ 77
Chevrolet.................. S10 Blazer 4-door...... 78
Chevrolet.................. T10 Blazer 4-door 4X4.. 81
Ford....................... Bronco................. 82
Jeep....................... Cherokee 4-door 4X4.... 82
GMC........................ S15 Jimmy 4-door....... 84
Jeep....................... Grand Cherokee 4-door 85
4X4.
Ford....................... Explorer 4-door 4X4.... 86
GMC........................ T15 Jimmy 4-door 4X4... 86
Isuzu...................... Trooper 4-door 4X4..... 92
Ford....................... Explorer 2-door........ 95
Toyota..................... 4 Runner 4-door........ 95
GMC........................ S15 Jimmy 2-door....... 96
Isuzu...................... Rodeo 4-door 4X4....... 103
Chevrolet.................. T10 Blazer 2-door 4X4.. 106
Honda...................... Passport 4-door........ 111
Chevrolet.................. S10 Blazer 2-door...... 112
Ford....................... Explorer 2-door 4X4.... 114
Toyota..................... 4 Runner 4-door 4X4.... 116
Mitsubishi................. Montero 4-door 4X4..... 118
Nissan..................... Pathfinder 4-door 4X4.. 118
GMC........................ T15 Jimmy 2-door 4X4... 122
Honda...................... Passport 4-door........ 122
Isuzu...................... Rodeo 4-door........... 124
Land Rover................. Discovery.............. 150
Toyota..................... Land Cruiser........... 168
------------------------------------------------------------------------
Large Utility Vehicles
------------------------------------------------------------------------
Average for large utility ....................... 60
vehicles.
GMC........................ Suburban 1500.......... 45
Chevrolet.................. Suburban 1500.......... 49
GMC........................ Suburban 2500 4X4...... 54
Chevrolet.................. Suburban 1500 4X4...... 55
GMC........................ Suburban 1500 4X4...... 56
Chevrolet.................. Suburban 2500 4X4...... 58
Chevrolet.................. Suburban 2500.......... 86
------------------------------------------------------------------------
Large Vans
------------------------------------------------------------------------
Average for all large vans..... ....................... 64
Dodge...................... B250................... 34
Chevrolet.................. Astro Cargo Van 4X4.... 51
Ford....................... E-150 Club Wagon....... 52
GMC........................ Safari Cargo Van 4X4... 53
Chevrolet.................. Lumina Cargo APV....... 55
Ford....................... E-150 Econoline........ 59
Ford....................... E-350 Club Wagon....... 62
GMC........................ Safari Cargo Van....... 63
Chevrolet.................. Astro Cargo Van........ 63
Dodge...................... B250 Cargo Van......... 65
Ford....................... E-250 Econoline........ 65
Dodge...................... B150................... 72
GMC........................ Vandura 3500........... 73
Ford....................... Aerostar Cargo Van..... 79
Chevrolet.................. Chevy Van 3500......... 83
Dodge...................... B150 Cargo Van......... 84
Ford....................... E-350 Econoline........ 114
------------------------------------------------------------------------
* Note: Every model represents over 1,000 insured vehicle years and at
least 100 claims.
[[Page 10614]]
If you would like more details about the information in this table,
or wish to obtain the complete Insurance Collision Report, please
contact HLDI directly, at: Highway Loss Data Institute, 1005 North
Glebe Road, Arlington, VA 22201, Tel: (703) 247-1600.
(49 U.S.C. 32302; delegation of authority at 49 CFR 1.50(f).)
Issued on: March 3, 1997.
L. Robert Shelton,
Associate Administrator for Safety Performance Standards.
[FR Doc. 96-5721 Filed 3-6-96; 8:45 am]
BILLING CODE 4910-59-P
