I can't really disagree since they're actually agents. But you know what's strange about that?

The low-visibility colors are all about how you are less visible, and more likely to be struck by an inattentive driver. Well, in that case, it's the OTHER GUY'S insurance who pays. Has anyone seen an accident report that assigns blame based on your car being harder to see?

Red/Yellow - more likely to be pulled over. That gives the insurance another excuse to raise your rates. So is this color less expensive to start because they know they'll be raising it after you get caught?