[Pollard]

Cars have also become more technologically advanced, making car repair more expensive.

Think of a car made in 2004 versus a car made in 2024. If the two crashed, the car from 2024 would probably be more expensive to fix because it’s more likely to have advanced technology like backup cameras and lane sensors.

So that's why my 2001 Chevy truck + 2005 Ford Focus insurance went up $60 this year?

[mbj]

Yes, because your old vehicles just might be involved in an accident with the more prevalent NEW vehicles.

Insurance rates do have a lot to do with actuaries. (And uninsured drivers.)