As far as i know they work the insurance premiums out on how many accidents that particular model has been in.. I own 2 fpv Factory (Ford performance vehicle) pick ups.. they both are nearly identical to look at ..but one is a pov pack version and the other is the performance upgrade version.. a pursuit (not as commonly sold) .. number 2 has bigger brakes.. factory flare kit..3in exhaust standard, extra 20 kilowatt motor etc..sooo what seems to be becoming a long story.. the pov pack one even though it has less HP and would cost less to repair is actually dearer one to insure.. by 180 bucks