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Hortencia Privett is like thousands of other proprietors of Sports Utility Vehicles (SUVs). Privett acknowledges that she loves what she drives, a Ag 2002 Jeep Liberty, but insurance experts admonish that she and other SUV proprietors have got to pay considerably more than for insurance than those tooling around town in smaller cars.

The cost to see an SUV is generally 10 to 20 percent more than a car, depending of course of study on a driver's location, claims experience, credit history and other factors, confirms Loretta L. Worters, frailty president of communication theory for the Insurance Information Institute, in New York. "Yes auto rates for SUVs are generally higher than for automobiles," states Worters. "Rates of course of study correlative to put on the line -- and there are a batch of hazard factors with SUVs. Not so much what impacts them, but what they make to other vehicles."

Cutting to specifics, Worters pointed out that an SUV's "potential for liability and medical payments coverage losings is a existent concern to the industry. Pedestrians hit by SUVs have got a 300 percent higher hazard of serious injury than if they were struck by a passenger car. There's also greater injury in cars that are hit by SUVs than it would be with another car."

Privett acknowledges that she have to pay more than for coverage, but that's all right with her nether the circumstances. "I experience safer in my SUV," explicates Privett, an office secretary in Illinois. "I've had an SUV for three years, and I wouldn't travel back. Even though I have got to pay more than for insurance, it's worth the added cost to me."

Privett's SUV sentiments are hardly unique. It's been reported that SUVs accounted for upwards of 24 percent of all new-vehicle sales in the United States for 2003 and, with well over 20 million on the route today, SUVs stand for almost 12 percent of all registered vehicles in the U.S.

The safety repute of an SUV or other vehicle type certainly have a bearing on insurance costs. On the topic of SUV safety, a spokesman for the Insurance Institute for Highway Safety (IIHS) conveys up what he sees to be a misconception about SUVs.

"The misconception is that many people believe that SUVs are safer than cars, and they're not," states IIHS's Russ Rader. "Vehicle clang statistics that we collect each twelvemonth show that lb for pound, if you're comparing vehicles of a similar weight, SUVs be given to be less safe than cars."

Rader states that cost of repair is a large issue from an insurance standpoint. "SUVs can be costly to repair in minor crashes, because they don't have got to ran into the federal government's criteria put for bumpers on cars in terms of withstanding clangs in commuter train traffic or parking lots," explicates Rader.

Says Rader: "Most SUVs aren't built like cars and don't drive like them. Yes, they're higher and you can see the route ahead better, but that tallness also gives them a higher centre of gravity, which do them less balanced than sedans -- and more than likely to flip."

Insurance trade organisation officer Dan Kummer focuses on high liability claims costs involving large SUVs in vehicular accidents. "If you have got a large SUV and you hit a mid-sized or smaller vehicle, you are likely to pay higher liability costs when your policy come ups up for renewal," states Kummer, director of personal lines for the Property Casualty Insurers Association of America, in Diethylstilbestrol Plaines, Ill.

For more than information about auto insurance delight travel to: Insurance.com