All pretty basic stuff: Insurance costs for cars are based on risk. If models are in demand for thieves, if models have issues which make them more prone to accidents, if lawyers can entice people with high payouts for injuries, etc, etc, etc. They need to take all of that and much more into consideration while insuring they can also meet operating expenses and earn a profit when they determine rates. You could be a terrific accident and claim free driver and still need to pay a share of their costs
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