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Editor’s Note: Susanna Gotsch is lead analyst at CCC Information Services Inc. and the author of its Crash Course Report series. The following is a summary of the forthcoming 2013 Crash Course Report, which is provided by CCC Information Services Inc. The full report is available on the CCC website.

Private passenger auto insurance has experienced declining claims frequency over the last decade. A variety of factors have been identified as contributors to the decline: an aging population; fewer miles driven; graduated licensing for teenagers; higher deductibles; and there are now more vehicles than drivers. 

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