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

[perspicuity.livejournal.com]

it might be not accidents but say, theft...

some vehicles are stolen more, or have parts removed more, and hit a different bracket therefore.

i seem to recall some common honda having a larger hit than an average sports car a few years back.

as well, simply moving 10 miles can do things to your insurance (in bad ways).

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[goddessfarmer.livejournal.com]

we are not insured for theft, so that should not be an issue.

[perspicuity.livejournal.com]

weird.

well, the only way to find out is call them and ask exactly what's going on, assuming you want to know, and it won't jinx things.

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