Gee, I thought the purpose of insurance was to replace or fix things that get broken or stolen.

That means the insurance company has to spend $$$. So if you have something that costs more $$$ to begin with, the insurance company is going to want to get more $$$.

I know there was a price difference for 4x4 for my insurance, as others have reported. For the SC too (gee, what a suprise - it cost more to begin with!)

Perhaps your insurance company was screwing you to begin with and that's why they didn't feel compelled to charge you more