High gas prices could have a saving grace for Americanmotorists–lower insurance rates, according to a consumer group.

An analysis by the Consumer Federation of America contends thatthose who are driving less as a result of higher gasoline pricescould save an average of 5-to-10 percent–about $47 to $94–on theirauto insurance rates.

CFA noted that any premium savings as a result of less drivingprompted by soaring fuel costs will vary by insurer, and warnedthat some changes in mileage might not produce savings at all withsome carriers.

However, J. Robert Hunter, director of insurance for the CFA, aswell as a former Texas insurance commissioner and federal insuranceadministrator, said that “most insurers include miles driven andhow the car is used as major factors in determining rates, so ifconsumers have altered their driving habits, they may qualify forimmediate rate relief.”

According to the CFA analysis, at a national average of $2.20per gallon, gasoline prices at the pump were 41 cents higher (22.7percent) in late December than one year before.

Joseph Annotti, senior vice president of public affairs for theProperty Casualty Insurers Association of America, took issue withthe CFA analysis. He said the dramatic increase in gasoline priceshas taken place only in the last few months, “and there has been noevidence they have had a significant impact on Americans' drivinghabits.”

However, he added, “to be sure, individuals who havedramatically reduced the number of miles they drive each year–forwhatever reason–should check with their insurer or agent todetermine if they qualify for a discount.”

Robert P. Hartwig, senior vice president and chief economist atthe Insurance Information Institute in New York, agreed that theCFA analysis “makes common sense,” but whether Americans will driveless is an open question, he added.

Mr. Hartwig said there is anecdotal information that auto usagedeclined after the hurricanes, but there are indications usagelevels are rising again.