I knew an actuary, and remember wondering "why do sports cars cost so much to insure?" Turns out that actuaries have very good data about which kinds of cars h

I knew an actuary, and remember wondering "why do sports cars cost so much to insure?" Turns out that actuaries have very good data about which kinds of cars have more accidents, and cost more to insure. She said the only time that the data and the rates do not match is after an accident. After an accident, the rates go up, however drivers are more careful and are statistically less likely to have an accident.