Originally Posted by avs
As the car ages, insurance tend to go up. Maybe there're more claim for the particular yr of the rav4?
I think the inverse maybe true - as the car ages, the insurance premium should go down as a total cost to the consumer. Collision portion may go down while liability will always go up at rate of inflation (or more). In this case, any significant crash test information that implies potentially higher payout frequency/cost could affects the liability portion of the premium.
Insurance companies tend to write-off older vehicles instead of repairing it. I'm pretty sure they compensate you for write-off is lower than the potential repairs cost if they were to repair it.
Just my $0.02