Could the Affordable Care Act help you get lower car insurance premiums? Possibly, according to a new study from the RAND Corporation that says car insurers could have to pay less for accident-related injuries as a result of the new health law.

“Ultimately, any cost changes experienced by insurance companies could be passed on to consumers through changes in premiums and coverage options,” the research organization said in a press release.

U.S. car insurers spent around $35 billion on accident-related medical costs in 2007, according to RAND.

The new health law’s impact for auto insurers is “likely to be small in the short run,” according to the study. Researchers expect there to be cost reductions of a few percentage points by 2016. They describe those potential reductions as “small to moderate” and for results to vary from state to state.

“The Affordable Care Act is unlikely to dramatically affect liability costs, but it may influence small and moderate changes in costs over the next several years,” said David Auerbach, the study’s lead author.

In addition, car insurance and other insurance costs “could be reduced further if reforms aimed at driving down health care costs are successful.”

For more details on how the Affordable Care Act could affect the prices of car insurance and other types of insurance, read the research brief on