Facts on Accidents & Hybrid insurance discounts
This isn’t totally hybrid-specific, though there is a blurb about them at the end, but it’s important reading if you’re on the road. You might want to skip past the first few paragraphs. They get a little morbid, measuring deaths per miles traveled and deaths per minute, etc, but do read from “By Driver Behavior” on down.
I was really surprised by a few things – what a large percentage of vehicular deaths are tied to drinking and driving, for one. Happy to see cell phone use on the road going down, while very unhappy to see hit and runs going up.
Oh, and really quite tickled to note the following:
At least two insurers offer insurance discounts to owners of “hybrid” cars, which combine a battery-powered engine with a traditional gas engine. One offers a 10 percent discount on all auto insurance coverages, except uninsured motorist and personal injury protection (PIP), basing the discount on the driver rather than on a safety device or safety training. According to the insurer, hybrid owners are less risky drivers than the average driver, based on demographics, driving records, credit data, marital status and driving patterns. The other insurer offers a 10 percent discount (5 percent in California) on all major coverages, including uninsured motorists and PIP.
