What You Drive Defines Your Driving Style (Sometimes to the Detriment of Others)

QPC Data Busts Myth That Drivers of Sporty Cars Get the Most Tickets, Reveals Drivers of 'Aggressive' SUVs Are Biggest Scofflaws


SAN FRANCISCO, CA--(Marketwire - January 12, 2009) - Quality Planning, the ISO company that validates policyholder information for auto insurers, has released proprietary findings that confirm a strong correlation between what people drive and how they drive. The findings show that drivers of high-performance vehicles are by no means in the lead when it comes to counting the Top 10 most-ticketed vehicles. Topping the list with the most violations was the Hummer H2/H3, with 4.63 times the number of violations compared to the overall average. At the other end of the spectrum is the old standby -- the pick-up truck.

Speculating why certain vehicles (and their drivers) are ticketed more or less frequently is a subject of great debate. The driver behind the wheel of one vehicle may be eager to express his individuality, while another views his vehicle as nothing more than a way to get from A to B. Mark S. Foster, author of "A Nation on Wheels: The Automobile Culture in America Since 1945," offered his assessment on the statistics: "Hummer drivers feel like kings of the road because of their elevated driving position. As these statistics show, they are leading the pack when it comes to violating the law, which may reflect their driving attitude."

"The sense of power that Hummer drivers derive from their vehicle may be directly correlated with the number of violations they incur," said Dr. Raj Bhat, president of Quality Planning. "Or perhaps Hummer drivers, by virtue of their driving position, are less likely to notice road hazards, signs, pedestrians, and other drivers."

Another surprise that emerged from the statistics: three different Scion models made the Top 10 list of vehicles with the highest percentage of violations. According to Toyota, the Scion tC's average customer is under 25 years old, and the Scion demographic skews to early 30s. Youth typically does correlate with a higher incidence of violations, and Toyota's popularity with youthful drivers may partially explain this new-found notoriety. Not so surprising is that two of the most powerful cars on the road, both sold by Mercedes, also appear in the Top 10.

Table 1 -- vehicles with highest percentage of violations

Make            Model         Body Style        Violations*

Hummer          H2/H3         SUV               463%
Scion           tC            Coupe             460%
Scion           XB            Station Wagon     403%
Mercedes Benz   CLK63 AMG     Coupe             397%
Toyota          Solara        Coupe             306%
Mercedes Benz   CLS63 AMG     Coupe             276%
Scion           XA            Hatchback         275%
Subaru          Outback       Station Wagon     266%
Audi            A4            Sedan             264%
Toyota          Matrix        Hatchback         264%

* Violations/100,000 miles driven, expressed as percentage of average.

On the "Well-Behaved Vehicle List" are those vehicles whose drivers' moving violations are well below average. Violations involving these vehicle models appear to correlate positively with driver age, occupation, and/or lifestyle. For example, the Jaguar XJ and Buick Park Avenue are often driven by mature, experienced drivers who are more focused on comfort and driving experience than on personal expression. In addition, compared to those vehicles with numerous violations, there are more minivans, SUVs, and pickups with low violations. That finding is worthy of a tip-of-the-hat to soccer moms and hard-hat workers, who, day in and day out, are among the safest drivers on the road.

Table 2 -- vehicles with lowest percentage of violations

Make          Model            Body Style     Violations*

Jaguar        XJ               Sedan          11%
Chevrolet     Suburban         SUV            16%
Chevrolet     Tahoe            SUV            21%
Chevrolet     C/K-3500/2500    Pickup         28%
Buick         Park Avenue      Sedan          32%
Mazda         6                Sedan          34%
Buick         Rainier          SUV            37%
Oldsmobile    Silhouette       Minivan        37%
Buick         Lucerne          Sedan          40%
GMC           Sierra C1500     Pickup         40%

*Violations/100,000 miles driven, expressed as percentage of average.

Study Methodology

Traffic code violations data for a one-year period from 2007 and 2008 were used for the study. Vehicles that were discontinued for more than 10 years were not included in the analysis. Violations were standardized based on the number of violations per 100,000 miles driven for each model. That standardization accounts for the differences in average annual miles driven by different models. Each vehicle model's violation count per 100,000 miles was compared with the average across all the models to identify the 10 models with the highest and lowest violations, as compared to the average. For example, Hummer drivers were 4.63 times more likely to get a ticket, as compared to the average.

About ISO

A leading source of information about risk, ISO provides data, analytics, and decision-support services to professionals in many fields, including insurance, finance, real estate, health services, government, human resources, and risk management. Using advanced technologies to collect, analyze, develop, and deliver information, ISO helps customers evaluate and manage risk. The company draws on vast expertise in actuarial science, insurance coverages, fire protection, fraud prevention, catastrophe and weather risk, predictive modeling, data management, economic forecasting, social and technological trends, and many other fields. To meet the needs of diverse clients, ISO employs an experienced staff of business and technical specialists, analysts, and certified professionals. In the United States and around the world, ISO helps customers protect people, property, and financial assets. For more information, visit www.iso.com.

About Quality Planning

An ISO business, Quality Planning is focused exclusively on providing rating integrity solutions to auto insurers. Quality Planning works with insurance companies to identify areas of significant rating errors using sophisticated database management, statistical analysis and modeling, customized survey design, and highly targeted customer interaction. Quality Planning helps clients work within their existing rating plans and charge fair prices to policyholders based on a true representation of risk. The company was founded in 1985 and is headquartered in San Francisco. For more information, visit www.qualityplanning.com.

Contact Information: Contact: Tim Cox Zing Public Relations 650-369-7784