Im just curious, do the few big claims raise rates more than the many small claims? I mean those teenage males manage to do lots of damage, but not as often as lots of the girls I knew in HS. They would hit lots of things, just not as hard.
Also I think that things like the park assist give people a false sense of security. "I don't have to look behind me cause I have park assist." Well that will tell you if there is a stationary opject, but if you back out of a spot in a parking lot and someone is coming, boom!