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On the heels of a Consumer Federation of America report charging that auto insurers put too much weight on non-driving rating factors, the Insurance Information Institute released figures showing that insurers’ use of a wide range of rating factors has held down consumers’ expenditures on auto insurance.

I.I.I. says in a statement that, for consumers, the average annual expenditure for U.S. auto-insurance coverage in 2012 is expected to total $839. While this total is higher than 2011, and also a continuation of an upward trend that began in 2010, I.I.I. says the expected 2012 total is less than the $842 the typical U.S. driver spent for coverage in 2004 ($842). 

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