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Re:Rivian R1T is the first EV to win the longest off-road co... by Retric on Monday October 23, 2023 @09:16AM (#37985167)
Because the cost of your vehicle is a small fraction of their total liability.

Suppose your insurance cost is 100$/month for a Subaru and 110$ for a R1T but only 90$/month for liability + personal injury. Now your total bill increased by 10% while they are charging you 2x to insure the vehicle itself.

They may also be getting this calculation wrong, but it’s unlikely to change that much.

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