These vehicles tend to be smaller, like the Ford Contour, Chevrolet Cavalier and many popular Japanese models. Vehicles that generate injury claims in the mid-range will receive a 30 percent discount. J. Robert Hunter, director of insurance for the Consumer Federation of America, called the pricing plan unfair to most drivers. But I'll be smashing into people, killing and maiming them at a much higher rate than if I were in a smaller car. Research has shown that light trucks, including SUVs and pickups, are more likely than cars to kill the other driver in a crash.
Trucks tend to weigh more, have higher hoods and stiffer frames than cars.
State Farm sees no reason to increase its insurance fees for the liability portion of coverage, however, because its database shows that large vehicles are involved in fewer crashes. So the increased severity is offset by the decreased frequency. While some SUVs qualify for the highest rate discounts, other popular models do not, including the Ford Explorer, Nissan Pathfinder, Jeep Cherokee and Chevy Blazer.