Claims News Service, Dec. 12, 1:47 p.m. EST -- State Farm MutualAutomobile Insurance Company has established its annual vehicleinsurance ratings for specific makes and models of vehicles byusing its extensive claim data.

The company uses its claim payment amounts for vehicle damageand theft to create a damage and theft index (DTI). The DTIdetermines which vehicles qualify for what level of premium forcollision and comprehensive coverages. State Farms says that carsthat have a low DTI score are typically charged 10-40 percent lessthan for similar vehicles in their price range.

Five years ago, the company launched a similar program afterevaluating the cost of claims involving injury to occupants of theinsured vehicle. Depending on that cost, certain makes and modelsof vehicles qualify for varying levels of vehicle safety discounts.Personal injury protection discounts of up to 40 percent areoffered to vehicles that have a history of low payment forinjuries, according to the company.

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