You know, because obviously I'm a complete moron who has never had an intelligent thought in their life, in your estimation, I'd never thought about that...
Of course premiums will go up. Insurance agencies are predatory scumbags, too. But I still have a hard time feeling sorry for luxury brands having to pay slightly higher premiums than they were before. Shockingly, its still just things.
I know some people put the value of things over all else, but I find that to be a shortsighted and selfish way of thinking.