Insurance companies - I do not understand them

[goddessfarmer]

I bought a new truck, and traded in a 2 year-old one. My insurance company send me a check (it's very small, but hey, money) because it apparently costs less to insure this new chevy than my still relatively new dodge. And it's only liability. How the hell they figure I'm less likely to hit someone in this truck vs the other one?

Comments

[goddessfarmer.livejournal.com]

again, only insured for Liability, so repair costs to my truck not an issue.

[deguspice.livejournal.com]

That's one of the categories they have stats for.

ALL COVERAGES
Collision
Property damage liability
Comprehensive
Personal injury protection
Medical payment
Bodily injury liability