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Distance-Based Vehicle Insurance Feasibility, Costs and Benefits

Health insurers play a unique role as both sellers of insurance and buyers of health care services. These companies use their power as buyers against the smaller medical providers while cooperating with larger providers to increase profits for both.22,23 With only a handful of large insurers, physician practices often have no choice but to accept the prices offered without bargaining effectively. Larger providers, such as academic medical centers, can use their size and stature to negotiate rates. However, as long as insurers can continue to pass costs on to consumers in the form of higher premiums and cost-sharing, insurers are not necessarily hurt by paying higher fees to select providers; insurers would only be affected. | EFFICIENCY EQUITY CLARITY www.vtpi.org Info@vtpi.org 250-360-1560 Distance-Based Vehicle Insurance Feasibility Costs and Benefits Comprehensive Technical Report 8 June 2011 By. Todd Litman Victoria Transport Policy Institute Abstract. Vehicle insurance is a significant portion of total vehicle costs. A typical motorist spends nearly as much on insurance as on fuel. Insurance is generally considered a fixed cost with respect to vehicle use. A motorist who reduces mileage does not usually receive comparable insurance cost savings. Distance-based insurance converts insurance to a variable cost with respect to vehicle travel so premiums are directly affected by annual mileage. The more you drive the more you pay and the less you drive the more you save. Distance-based pricing makes vehicle insurance more actuarially accurate premiums better reflect the claim costs of each vehicle and can help reduce total insurance costs vehicle crashes traffic congestion facility costs energy consumption and environmental impacts. This report investigates the feasibility benefits and costs of implementing distance-based motor vehicle insurance. It compares several distance-based insurance pricing options and evaluates related concerns and criticisms. The analysis indicates that distance-based pricing is technically and economically feasible and can provide significant benefits to motorists and society. Prices and costs in this report are in year 2000 U.S. dollars unless noted otherwise. 2001-2011 Todd Alexander Litman All Rights Reserved Distance-Based Vehicle Insurance Technical Report Victoria Transport Policy Institute Table of Contents Executive Summary.2 Introduction.6 Automobile Pricing Practices and Impacts.8 Relationship Between Mileage and Crash Costs.12 Pricing Alternatives.31 1. Mileage Rate Factor KRF .31 2. Pay-at-the-Pump PATP .36 3. Usage-Based Premiums.44 4. GPS-Based Pricing.59 Summary of Distance-Based Pricing Options.64 Comparing Distance-Based Insurance Options.65