Vehicle Insurance Ratings from State Farm

December 10, 2004 10:21 PM

Everyone knows that between cars of the same price level, the model is a key determinant of insurance prices, but can you tell which exact model is cheaper to insure?

State Farm regularly published its list of Vehicle Insurance Ratings, a quantitative guide of how car model can affect insurance premiums.

Each car model is assigned two ratings: Vehicle Safety Discount (VSD) and Damage and Theft Index (DTI). Each car model is assigned a VSD rating between 0% to 40%, which represents the percentage discount for medical payments/personal injury protection premiums. DTI can be A, B or C, in which A means lower-than-standard collision and comprehensive premiums and C means higher-than-standard premiums. Of course, the list is only useful when you compare models in the same price range. Insuring a BMW will always be more expensive than insuring a Hyundai.

Still, auto insurance is still a relatively small component of total car ownership cost, and if you really want to make an effort to cut your expenses in wheels, Edmunds' True Cost to Own A Car can be a better guide.

19 Ways To Save On Auto Insurance (December 11, 2004)

If you want to cut back your auto insurance spending, you can always cut the coverage to the bone. But this may not be a good idea for your financial safety in the long run. Follow the 19 recommendations from Bankrate's Dana Dratch and you ...

Auto Insurance Basics (December 11, 2004)

Do you know the basics of auto insurance so you can understand what your agent is talking about? There are just too many terminologies in the auto insurance industry. If you are new to auto insurance, you may be overwhelmed by terms like "uninsured motorist ...

Best and Worst States for Auto Insurance Premiums (December 10, 2004)

BankRate cited a National Association of Insurance Commissioners (NAIC) study that highlights the dramatic difference on average premium charged in different states. For example, people in New Jersey paid an average of $1,182 per car for liability, collision and comprehensive coverage, while Iowans only needed ...

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Read all 4 posts in the same category of Auto Insurance:

Health Savings Accounts Expand Medical Coverage Options - Dec 20, 2004
Insurance Rates To Rise For Massachusetts Homeowners In Risky Weather Regions - Dec 17, 2004
Why Every Policyholder Needs Umbrella Insurance - Dec 17, 2004
Many States Altering Rules On Insurance - Dec 13, 2004
19 Ways To Save On Auto Insurance - Dec 11, 2004
Auto Insurance Basics - Dec 11, 2004
Vehicle Insurance Ratings from State Farm - Dec 10, 2004
A Term Life Insurance Policy That Pays Back, Sometimes - Dec 10, 2004
Life Insurance For Your Kids: Creepy, But... - Dec 10, 2004
Best and Worst States for Auto Insurance Premiums - Dec 10, 2004
What You Need, What You Don't - Dec 10, 2004
Don't Let Your Fears Sell You Insurance - Dec 10, 2004
Nine Ways To Cut the Cost of Your Homeowner's Insurance - Dec 10, 2004
A Few Words First ... - Dec 10, 2004
The Start of The Insurance Weblog - Dec 09, 2004
Health Savings Accounts Expand Medical Coverage Options - Dec 20, 2004
Insurance Rates To Rise For Massachusetts Homeowners In Risky Weather Regions - Dec 17, 2004
Why Every Policyholder Needs Umbrella Insurance - Dec 17, 2004
Many States Altering Rules On Insurance - Dec 13, 2004
19 Ways To Save On Auto Insurance - Dec 11, 2004
Auto Insurance Basics - Dec 11, 2004
Vehicle Insurance Ratings from State Farm - Dec 10, 2004
A Term Life Insurance Policy That Pays Back, Sometimes - Dec 10, 2004
Life Insurance For Your Kids: Creepy, But... - Dec 10, 2004
Best and Worst States for Auto Insurance Premiums - Dec 10, 2004
What You Need, What You Don't - Dec 10, 2004
Don't Let Your Fears Sell You Insurance - Dec 10, 2004
Nine Ways To Cut the Cost of Your Homeowner's Insurance - Dec 10, 2004
A Few Words First ... - Dec 10, 2004
The Start of The Insurance Weblog - Dec 09, 2004
Health Savings Accounts Expand Medical Coverage Options - Dec 20, 2004
Insurance Rates To Rise For Massachusetts Homeowners In Risky Weather Regions - Dec 17, 2004
Why Every Policyholder Needs Umbrella Insurance - Dec 17, 2004
Many States Altering Rules On Insurance - Dec 13, 2004
19 Ways To Save On Auto Insurance - Dec 11, 2004
Auto Insurance Basics - Dec 11, 2004
Vehicle Insurance Ratings from State Farm - Dec 10, 2004
A Term Life Insurance Policy That Pays Back, Sometimes - Dec 10, 2004
Life Insurance For Your Kids: Creepy, But... - Dec 10, 2004
Best and Worst States for Auto Insurance Premiums - Dec 10, 2004
What You Need, What You Don't - Dec 10, 2004
Don't Let Your Fears Sell You Insurance - Dec 10, 2004
Nine Ways To Cut the Cost of Your Homeowner's Insurance - Dec 10, 2004
A Few Words First ... - Dec 10, 2004
The Start of The Insurance Weblog - Dec 09, 2004

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