That might be appropriate rhetoric for a class-warfare political campaign, but it doesn't relate to the realities of insurance. Remember, State Farm said the discounts would apply only to the medical portion of the insurance premium. In the example given by Hunter, medical insurance would typically cover injuries to the driver of the tank and his passengers. Damage sustained by people and property outside the tank would typically be covered by the liability portion of the insurance policy, which is not affected by State Farm's change of pricing. In addition, the carrier said the vehicles on its preferred list were generally involved in fewer collisions than vehicles generally.
Insurance premiums are determined on the basis of actuarial studies.
If a certain insurance-covered practice statistically proves to be more dangerous than another, the dangerous practice leads to higher premiums. If passengers in large vehicles are hurt at a lower rate, it only makes sense that they pay lower premiums for their medical insurance. On the other hand, if large, safe, tank-like vehicles are crushing other cars and people as if they were cardboard, the actuarial tables will show it, and the premiums will go up. You can take that to the bank. Insurance companies are in business to make a profit.