All I know is that if I have a "high risk" vehicle, or one that costs more to repair, then I have to pay more. But, if I don't have one of those vehicles, I'm told that because of all those high risk/expensive vehicles, I have to pay more. I can't ever recall being on the good side of the equation.
In Alberta, homeowners that live in high risk areas are told they have to pay much higher insurance premiums. But, my insurance has risen dramatically too thanks to all those high-risk-area homes that are damaged. Which way should it be? Could it be that we pool everyone in together and just share the entire risk, or segregate certain groups? We seem to be doing both.