Yeah, safer doesn't always equal cheaper. Insurers factor in stuff like advanced tech features—those sensors and cameras can be pricey to fix. Plus, luxury models often mean specialized parts and higher labor costs... all adds up pretty quick.
I see your point, but sometimes the insurance logic still puzzles me. A couple years back, I switched from an older sedan to a newer SUV—nothing fancy, just a mid-range model with some basic safety tech like lane assist and automatic braking. I figured my premiums would drop since it's safer, right? Nope... they actually went up slightly. When I asked my agent about it, she mentioned exactly what you're saying: those sensors and cameras aren't cheap to replace if something goes wrong.
Still, part of me wonders if insurers might be overestimating repair costs or underestimating how much these features prevent accidents in the first place. I've driven thousands of miles on road trips without incident, and honestly, those safety features have saved me from a few close calls—especially when fatigue kicks in after hours behind the wheel. Maybe over time, as these technologies become more common and cheaper to fix, we'll see premiums adjust accordingly... but I'm not holding my breath.