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2004 Car Guide
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Our Criteria
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- Personal injury loss statistics that are average,
better than average or substantially better than average based on
insurance company loss experience from the Insurance Institute for
Highway Safety.
- Driver death rate statistics that are average,
better than average or substantially better
than average based on information from the
Insurance Institute for Highway Safty.
- Collision loss statistics that are average,
better than average or substantially better
than average based on insurance company
loss experience from the Insurance Institute for
Highway Safety.
- Overall crashworthiness evaluation of good,
acceptable or marginal based on recent
Crash Test Data from the Insurance Institute
for Highway Safety. Recent data includes
model years 2000 through 2004. Vehicles
that earned an overall evaluation of "poor"
failed to meet this criterion. A side-impact
evaluation of "poor" is
also considered unacceptable.
- Dual front driver and passenger air bags as standard equipment, and side-impact air bags standard or available as optional equipment (or available within the vehicle series).
- Four-Wheel Anti-Lock Brakes are standard equipment,
or available as an extra-cost option.
- No rating increase has been assigned based on ERIE's Car Experience Rating (CER) program. This program rates vehicles based on their overall physical damage loss experience.
- No high performance car or sports car surcharges apply.
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The vehicles listed in the guide are recommended 2004 models based on safety and insurance value projections. Approximate 2004 new price ranges for these cars are shown in parentheses next to each model name.
Similar to last year, we will continue to provide detailed information about safety equipment such as anti-lock brakes and air bags. Following the name and price range of each model will be a pair of letters in parentheses. The first letter will indicate if anti-lock brakes are standard (S) equipment or optional (O). The second letter indicates whether side-impact air bags are standard (S), optional (O), or not available (N).
A third letter is then listed (not in parentheses) which provides the latest overall crashworthiness score as tested by the Highway Loss Data Institute. The letters used are (VG) very good, (G) good, (A) acceptable, and (M) marginal. For models where crash test data was not available, but presumed to be average or better, the letters (N/A) are used.
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