Despite the fact that U.S. motorists are driving less in the face of higher gasoline prices, increasing repair costs may keep auto insurance rates from declining, a new report says.

San Francisco-based Quality Planning (QPC), which questioned drivers for the study, said it is projecting a mileage decrease of 4-to-5 percent over the next 12 months.

However, the firm–which validates policyholder information for auto insurers–said drivers expecting to see lower insurance premiums because they cut their mileage "may be in for a surprise."

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