Vehicle

The vehicle's make, model, and year.

ISO VSR Sym

Vehicle Series Rating symbol. Vehicle Series Rating is an ISO program designed to match premiums to losses in an equitable manner. For each vehicle series (defined by such characteristics as make, model, body style, and wheelbase), ISO assigns a code called a rating symbol. ISO provides corresponding symbol factors that insurers may use in determining premiums for individual policies. A vehicle with a higher rating symbol will have a higher premium than a vehicle with a lower symbol, if all other rating variables are the same.

Initially, ISO assigns preliminary symbols based solely on the manufacturer's suggested retail price (MSRP) of a new vehicle. Then, by examining normalized loss experience, ISO makes adjustments — both upwards and downwards — to arrive at the rating symbols. Those adjustments reflect differences not covered by other rating variables, such as driver classifications, use of vehicle, and place of garaging. VSR captures differences caused by factors such as attractiveness to theft and damage. It is unlikely that a $30,000 minivan would generate the same amount of theft losses as a $30,000 sports car or that the vehicle damage sustained in an accident would be the same for a $40,000 luxury car with a fiberglass-based body as for a $40,000 sport utility vehicle. The VSR program adjusts the premiums and balances the effects in a revenue-neutral way.

VIN

The vehicle identification number.

State

The state in which the vehicle is to be insured.

Restraints

Indicates the presence of vehicle restraints, such as automatic seat belts and airbags.

Body Style

Identifies the vehicle's design — for example, coupe, sedan, sports car, or utility vehicle.

Country-Wide Perf

Identifies the vehicle's level of performance — for example, low, standard, or high performance.

Antilock Brakes

Identifies the availability of antilock brakes.

Engine Size

The vehicle's engine size.

Cylinders

The number of cylinders in the vehicle's engine.

Wheelbase

Indicates the distances between the center of the front wheels and the center of the rear wheels.

Four-Wheel Drive

Indicates whether or not the vehicle has four-wheel drive.

Curb Weight

The weight of an empty vehicle when it is fully fueled and all fluid levels are high.

Gross Weight

The maximum weight of the vehicle when it includes cargo and/or passengers.

Height

The height of the vehicle.

Horsepower

The automobile engine's horsepower.

Vehicle Class

The vehicle's class — for example, economy, compact, midsize, or large utility.