[Federal Register Volume 61, Number 70 (Wednesday, April 10, 1996)]
[Notices]
[Pages 16020-16027]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 96-8887]
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DEPARTMENT OF TRANSPORTATION
National Highway Traffic Safety Administration
[Docket No. 74-40; Notice 9]
Insurance Cost Information
AGENCY: National Highway Traffic Safety Administration (NHTSA), DOT.
ACTION: Notice of text and data for 1996 insurance cost information
booklet.
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SUMMARY: This notice provides the 1996 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 SW., 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
[[Page 16021]]
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 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 1996 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 May 10,
1996. 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 Market Incentives ((202) 366-4936) to receive a copy of the
booklet and to be added to the mailing list.
The required text and data are as follows:
March 1996--Comparison of Differences in Insurance Costs for Passenger
Motor Cars, Station Wagons/Passenger Vans, Pickups and Utility Vehicles
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 1995 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 1993-
1995. 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 1996, and it does not include information
about models without enough claim 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
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.
Collision Insurance Losses, Model Year 1993-95 Passenger Motor Vehicles
*
------------------------------------------------------------------------
Relative
Make Model loss
payment
------------------------------------------------------------------------
Small Cars--Two Door Models
------------------------------------------------------------------------
Average for small two-door models ........................ 122
Volkswagen................... Golf III................ 94
Saturn....................... SC...................... 103
Geo.......................... Metro................... 118
Hyundai...................... Accent.................. 121
Toyota....................... Tercel.................. 126
Volkswagen................... Golf Cabriolet.......... 127
Ford......................... Escort.................. 131
Subaru....................... Impreza 4-wd............ 138
Toyota....................... Paseo................... 140
[[Page 16022]]
Mitsubishi................... Mirage.................. 144
Ford......................... Aspire.................. 145
Mitsubishi................... Eclipse................. 149
Eagle........................ Summit.................. 151
Eagle........................ Talon................... 157
Hyundai...................... Scoupe.................. 157
Nissan....................... 240SX................... 192
Eagle........................ Talon 4-wd.............. 201
Mazda........................ MX-3 Coupe.............. 207
------------------------------------------------------------------------
Four-Door Models
------------------------------------------------------------------------
Average for small four-door ........................ 115
models.
Volkswagen................... Golf III................ 95
Subaru....................... Impreza 4-wd............ 102
Ford......................... Escort.................. 104
Mercury...................... Tracer.................. 112
Geo.......................... Prizm................... 117
Toyota....................... Corolla................. 121
Hyundai...................... Accent.................. 121
Subaru....................... Impreza................. 121
Volkswagen................... Jetta III............... 128
KIA.......................... Sephia.................. 138
Ford......................... Aspire.................. 138
Mitsubishi................... Mirage.................. 140
Hyundai...................... Elantra................. 144
Geo.......................... Metro................... 157
Toyota....................... Tercel.................. 157
Eagle........................ Summit.................. 169
------------------------------------------------------------------------
Station Wagons/Passenger Vans
------------------------------------------------------------------------
Average for small station wagons/ ........................ 81
passenger vans.
Eagle........................ Summit.................. 61
Mercury...................... Tracer.................. 79
Ford......................... Escort.................. 80
Subaru....................... Impreza 4-wd............ 94
Toyota....................... Corolla................. 109
------------------------------------------------------------------------
Sports Models
------------------------------------------------------------------------
Average for small sports models.. ........................ 146
Mazda........................ MX-5 Miata convertible.. 92
Honda........................ Civic Del Sol 123
convertible.
Mercedes..................... SL Class convertible.... 133
Toyota....................... MR2..................... 134
Dodge........................ Stealth................. 145
Chevrolet.................... Corvette................ 152
Chevrolet.................... Corvette convertible.... 155
Mitsubishi................... 3000 GT................. 156
Nissan....................... 300ZX................... 184
Porsche...................... 911 Targa............... 197
Porsche...................... 968 Coupe............... 237
Nissan....................... 300 ZX.................. 245
Dodge........................ Stealth 4-wd............ 248
Porsche...................... 911 convertible......... 254
Mitsubishi................... 300 GT 4-wd............. 309
Dodge........................ Viper convertible....... 612
------------------------------------------------------------------------
Mid-Size Cars--Two-Door Models
------------------------------------------------------------------------
Average for mid-size two-door ........................ 112
models.
Buick........................ Regal................... 71
Saab......................... 900..................... 78
Oldsmobile................... Cutlass Supreme......... 79
Oldsmobile................... Cutlass Supreme 79
convertible.
Buick........................ Skylark................. 79
Chevrolet.................... Monte Carlo............. 85
[[Page 16023]]
Oldsmobile................... Achieva................. 85
Pontiac...................... Grand Prix.............. 86
Nissan....................... 200SX................... 87
Pontiac...................... Grand Am................ 93
Chrysler..................... Sebring................. 99
Honda........................ Accord.................. 103
Chevrolet.................... Beretta................. 109
Chrysler..................... LeBaron convertible..... 111
Toyota....................... Camry................... 113
Honda........................ Civic................... 117
Chevrolet.................... Cavalier................ 118
Plymouth..................... Neon.................... 120
Dodge........................ Neon.................... 121
Dodge........................ Avenger................. 127
Honda........................ Civic Coupe............. 132
Pontiac...................... Sunfire................. 136
Acura........................ Integra................. 143
Mazda........................ MX-6.................... 146
Toyota....................... Celica.................. 153
Ford......................... Probe................... 156
Honda........................ Prelude................. 167
------------------------------------------------------------------------
Four-Door Models
------------------------------------------------------------------------
Average for mid-size four-door ...................... 92
models.
Chevrolet.................... Lumina.................. 64
Oldsmobile................... Cutlass Supreme......... 64
Buick........................ Regal................... 66
Mercury...................... Mystique................ 67
Buick........................ Century................. 71
Oldsmobile................... Cutlass Ciera........... 72
Buick........................ Skylark................. 72
Dodge........................ Stratus................. 75
Pontiac...................... Grand Prix.............. 76
Chrysler..................... Cirrus.................. 77
Chevrolet.................... Cavalier................ 78
Ford......................... Contour................. 78
Toyota....................... Avalon.................. 80
Ford......................... Taurus.................. 81
Saturn....................... SL...................... 82
Pontiac...................... Grand Am................ 82
Mercury...................... Sable................... 83
Dodge........................ Spirit.................. 84
Oldsmobile................... Achieva................. 86
Plymouth..................... Acclaim................. 87
Pontiac...................... Sunfire................. 89
Chevrolet.................... Corisica................ 89
Audi......................... 90 Quattro.............. 95
Nissan....................... Sentra.................. 96
Dodge........................ Neon.................... 97
Honda........................ Accord.................. 97
Subaru....................... Legacy 4-wd............. 99
Mitsubishi................... Diamante................ 101
Volkswagen................... Passat.................. 103
Nissan....................... Altima.................. 105
Toyota....................... Camry................... 106
Mitsubishi................... Galant.................. 107
Plymouth..................... Neon.................... 107
Honda........................ Civic................... 109
Subaru....................... Legacy.................. 110
Mazda........................ Protege................. 112
Volvo........................ 850..................... 114
Lexus........................ ES 300.................. 120
Infiniti..................... G20..................... 122
Mazda........................ Millenia................ 122
Nissan....................... Maxima.................. 125
Mazda........................ 626..................... 125
Saab......................... 900..................... 126
Acura........................ Integra................. 128
Hyundai...................... Sonata.................. 132
[[Page 16024]]
Audi......................... 90...................... 146
------------------------------------------------------------------------
Station Wagons/Passenger Vans
------------------------------------------------------------------------
Average for mid-size station ...................... 82
wagons/passenger vans.
Buick........................ Century................. 62
Oldsmobile................... Cutlass Ciera........... 67
Saturn....................... SW...................... 69
Ford......................... Taurus.................. 75
Mercury...................... Sable................... 80
Mitsubishi................... Diamante................ 82
Honda........................ Accord.................. 88
Mitsubushi................... Expo.................... 89
Subaru....................... Legacy 4-wd............. 104
Toyota....................... Camry................... 106
Volvo........................ 850..................... 107
------------------------------------------------------------------------
Sports Models
------------------------------------------------------------------------
Average for mid-size sports ...................... 148
models.
Saab......................... 900 convertible......... 90
Ford......................... Mustang convertible..... 136
Pontiac...................... Firebird................ 147
Chevrolet.................... Camaro convertible...... 147
Ford......................... Mustang................. 152
Chevrolet.................... Camaro.................. 156
Nissan....................... 300ZX 2+2............... 199
Toyota....................... Supra................... 319
------------------------------------------------------------------------
Luxury Models
------------------------------------------------------------------------
Average for mid-size sports ...................... 148
models.
Lincoln...................... Continental............. 52
BMW.......................... 5 Series station wagon.. 110
Mercedes..................... E Class convertible..... 112
Volvo........................ 940/960 4-door.......... 118
Cadillac..................... Eldorado................ 120
Volvo........................ 940/960 station wagon... 120
Mercedes..................... C Class 4-door.......... 131
BMW.......................... 3 Series convertible.... 143
BMW.......................... 5 Series 4-door......... 159
Infiniti..................... J30..................... 164
Mercedes..................... E Class 2-door......... 168
Lexus........................ GS 300.................. 172
Audi......................... 100/A6.................. 174
BMW.......................... 3 Series 4-door......... 178
Saab......................... 9000.................... 184
BMW.......................... 3 Series 2-door......... 186
Lexus........................ SC300/400............... 192
Jaguar....................... XJ convertible.......... 233
Jaguar....................... XJ2-door................ 237
------------------------------------------------------------------------
Large Cars--Two Door Models
------------------------------------------------------------------------
Buick........................ Riviera................. 67
Mercury...................... Cougar.................. 85
Ford......................... Thunderbird............. 93
------------------------------------------------------------------------
Four-Door Models
------------------------------------------------------------------------
Average for large four-door ...................... 82
models.
Average for large two-door models ........................ 89
Ford......................... Crown Victoria.......... 64
Mercury...................... Grand Marquis........... 71
Oldsmobile................... Ninety-Eight............ 73
Oldsmobile................... Eighty-Eight............ 76
Buick........................ LeSabre................. 79
Chrysler..................... Concorde................ 80
[[Page 16025]]
Chevrolet.................... Caprice................. 83
Pontiac...................... Bonneville.............. 84
Chrysler..................... New Yorker LH........... 86
Buick........................ Park Avenue............. 87
Dodge........................ Intrepid................ 89
Eagle........................ Vision.................. 89
Buick........................ Roadmaster.............. 96
------------------------------------------------------------------------
Station Wagons/Passenger Vans
------------------------------------------------------------------------
Average for large wagons/ ........................ 68
passenger vans.
GMC.......................... Safari Van 4-wd......... 50
Honda........................ Odyssey................. 51
Chevrolet.................... Astro Van 4-wd.......... 57
Chevrolet.................... Astro Van............... 60
GMC.......................... Safari Van.............. 61
Dodge........................ Caravan................. 63
Nissan....................... Quest................... 63
Plymouth..................... Voyager................. 65
Pontiac...................... Trans Sport............. 65
Dodge........................ Caravan 4-wd............ 66
Mercury...................... Villager................ 66
Chrysler..................... Town & Country.......... 68
Chevrolet.................... Lumina APV.............. 69
Ford......................... Windstar................ 74
Ford......................... Aerostar Van............ 74
Plymouth..................... Voyager 4-wd............ 77
Chrysler..................... Town & Country 4-wd..... 83
Oldsmobile................... Silhouette.............. 86
Toyota....................... Previa Van.............. 88
Ford......................... Aerostar Van 4-wd....... 89
Buick........................ Estate Wagon............ 90
Chevrolet.................... Caprice................. 90
Toyota....................... Previa Van 4-wd......... 93
Mazda........................ MPV Van 4-wd............ 123
Mazda........................ MPV Van................. 124
------------------------------------------------------------------------
Luxury Models
------------------------------------------------------------------------
Average for Large luxury models.. ........................ 116
Oldsmobile................... Aurora.................. 74
Lincoln...................... Town Car................ 84
Cadillac..................... DeVille 4-door.......... 89
Chrysler..................... LHS..................... 99
Cadillac..................... Seville................. 115
Lincoln...................... Mark VIII............... 117
Cadillac..................... Brougham................ 123
Acura........................ Legend 4-door........... 130
Mercedes..................... E Class station wagon... 138
Lexus........................ LS 400.................. 142
Mercedes..................... E Class 4-door.......... 160
Infiniti..................... Q45..................... 164
Mercedes..................... S Class LWB............. 167
Mazda........................ 929..................... 173
Mercedes..................... S Class SWB............. 175
Acura........................ Legend 2-door........... 179
Jaguar....................... XJ 4-door............... 194
Mercedes..................... S Class 2-door.......... 275
------------------------------------------------------------------------
Pickups--Small Pickups
------------------------------------------------------------------------
Average for small pickups........ ........................ 84
Ford......................... Ranger Series........... 68
Dodge........................ Dakota Series........... 69
Ford......................... Ranger Series 4-wd...... 79
Chevrolet.................... S10 Series 2-door....... 80
Dodge........................ Dakota Series 4-wd...... 80
Toyota....................... Tacoma Regular/extended 82
cab 4-wd.
GMC.......................... S15 Series.............. 83
[[Page 16026]]
Nissan....................... Regular/extended cab.... 84
Chevrolet.................... T10 Series 2-door 4-wd.. 85
Nissan....................... Regular/extended cab 4- 89
wd.
Isuzu........................ Regular/extended cab.... 93
Isuzu........................ Standard Bed 4-wd....... 98
Mitsubishi................... Regular/extended cab.... 99
Toyota....................... Regular/extended cab 4- 106
wd.
Toyota....................... Regular/extended cab.... 108
------------------------------------------------------------------------
Standard Pickups
------------------------------------------------------------------------
Average for standard pickups. ...................... 66
Ford......................... F-250................... 53
GMC.......................... 1500 Series............. 57
GMC.......................... 1500 Series 4-wd........ 57
Chevrolet.................... 1500 Series 4-wd........ 59
Chevrolet.................... 1500 Series............. 59
Ford......................... F-250 Series............ 61
Ford......................... F-350 Series............ 63
GMC.......................... 3500 Series............. 64
Dodge........................ Ram 3500 Series......... 66
GMC.......................... 2500 Series 4-wd........ 67
Ford......................... F-150 Series............ 68
Ford......................... F-150 Series 4-wd....... 69
GMC.......................... 3500 series 4-wd........ 70
Chevrolet.................... 2500 Series............. 71
Chevrolet.................... 2500 Series 4-wd........ 73
Ford......................... F-250 Series 4-wd....... 73
Chevrolet.................... 3500 Series............. 76
Ford......................... F-350 Series 4-wd....... 76
Dodge........................ Ram 1500 Series......... 80
Chevrolet.................... 3500 Series 4-wd........ 81
GMC.......................... 2500 Series............. 82
Dodge........................ Ram 1500 Series 4-wd.... 85
Dodge........................ Ram 2500 Series......... 91
Dodge........................ Ram 2500 Series 4-wd.... 94
Toyota....................... T100Reg/ectended cab 4- 102
wd.
Toyota....................... T100 Reg/extended cab... 102
Dodge........................ Ram 3500 Series 4-wd.... 144
------------------------------------------------------------------------
Utility Vehicles--Small Utility Vehicles
------------------------------------------------------------------------
Average for small utility ...................... 92
vehicles.
Jeep......................... Wrangler................ 76
Suzuki....................... Samurai 4-wd............ 80
Suzuki....................... Sidekick 4-door......... 81
Suzuki....................... Sidekick 4-door 4-wd.... 85
Suzuki....................... Sidekick 2-door 4-wd.... 97
Suzuki....................... Sidekick 2-door......... 110
Geo.......................... Tracker................. 117
Geo.......................... Tracker 4-wd............ 121
Intermediate Utility Vehicles
------------------------------------------------------------------------
Average for intermediate ...................... 88
utility vehicles.
Chevrolet.................... Tahoe 4-door 4-wd....... 54
GMC.......................... Yukon 2-door 4-wd....... 55
Jeep......................... Cherokee 2-door 4-wd.... 58
Jeep......................... Cherokee 2-door......... 64
Chevrolet.................... Tahoe 2-door 4-wd....... 64
Ford......................... Explorer 4-door 4-wd.... 68
Jeep......................... Grand Cherokee 4-door... 69
Chevrolet.................... T10 Blazer 4-door 4-wd.. 72
GMC.......................... T15 Jimmy 2-door 4-wd... 72
GMC.......................... S15 Jimmy 4-door........ 73
GMC.......................... T15 Jimmy 4-door 4-wd... 75
Jeep......................... Cherokee 4-door 4-wd.... 78
Ford......................... Explorer 4-door......... 78
Jeep......................... Cherokee 4-door......... 79
Ford......................... Bronco.................. 82
[[Page 16027]]
Jeep......................... Grand Cherokee 4-door 4- 86
wd.
Chevrolet.................... S10 Blazer 4-door....... 91
Ford......................... Explorer 2-door 4-wd.... 95
Ford......................... Explorer 2-door......... 96
Isuzu........................ Rodeo 4-door 4-wd....... 105
Isuzu........................ Rodeo 4-door............ 106
Toyota....................... 4Runner 4-door Wagon.... 110
Honda........................ Passport 4-door 4-wd.... 114
Chevrolet.................... S10 Blazer 2-door....... 114
Nissan....................... Pathfinder 4-door....... 120
Chevrolet.................... T10 Blazer 2-door 4-wd.. 120
Nissan....................... Pathfinder 4-door 4-wd.. 120
Honda........................ Passport 4-door......... 121
Toyota....................... 4Runner 4-door 4-wd..... 130
Mitsubishi................... Montero 4-door 4-wd..... 134
Land Rover................... Discovery............... 138
Land Rover................... Range Rover LWB......... 223
------------------------------------------------------------------------
Large Utility Vehicles
------------------------------------------------------------------------
Average for large utility ...................... 63
vehicles.
GMC.......................... Suburban 1500........... 42
Chevrolet.................... Suburban 1500........... 50
Chevrolet.................... Suburban 2500 4-wd...... 55
Chevrolet.................... Suburban 2500........... 55
GMC.......................... Suburban 2500........... 60
Chevrolet.................... Suburban 1500 4-wd...... 60
GMC.......................... Suburban 1500 4-wd...... 72
GMC.......................... Suburban 2500 4-wd...... 75
------------------------------------------------------------------------
Large Vans
------------------------------------------------------------------------
Average for all large vans....... ........................ 65
Chevrolet.................... Astro Cargo Van 4-wd.... 47
Ford......................... E-150 Club Wagon........ 50
GMC.......................... Safari Cargo Van........ 50
Ford......................... E-150 Econoline......... 60
Chevrolet.................... Chevy Van 20............ 61
Chevrolet.................... Astro Cargo Van......... 62
Ford......................... E-250 Econoline......... 63
GMC.......................... Vandura 2500............ 67
Dodge........................ B250 Cargo Van.......... 74
Dodge........................ Caravan Cargo Van....... 87
Chevrolet.................... Chevy Van 30............ 96
Ford......................... Aerostar Cargo Van...... 107
------------------------------------------------------------------------
*Note: Every model represents over 1,000 insured vehicle years and at
least 100 claims.
If you would like more details about the information in this table,
or wish to obtain the complete Insurance Collision Report, please
contact HLDI directory, 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: April 4, 1996.
Patricia Breslin,
Acting Associate Administrator for Safety Performance Standards.
[FR Doc. 96-8887 Filed 4-9-96; 8:45 am]
BILLING CODE 4910-59-P
