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Originally Posted by Delta Flyer
I was seriously considering doing a poll on whether the insurance rates on hybrids should be higher or lower.
Why it should be higher: If the crash is not just a little fender-bender, replacing the hybrid parts could be more expensive.
Why it should be lower: As a group, hybrid drivers are safer than the general population because they are more alert and don't speed as much.
Does the two cancel each other out or does one come out on top?
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I suspect the sample size is not yet large enough and/or has not been measured well enough yet to determine if your 2nd assertion is statistically true. I hope it is. But I see an awful lot of Prii and HCHs passing me while I'm at 65-70, and not even on the downhill- so they can't claim DWL.
It is worth a query to your companies to see what they say about hybrid rates vs the 'regular' car rates, and what data they based the decision on.
USAA is charging me the same quoted rate as for an Accord EX.