What Is The Flaw That Red Cars Have Higher Insurance Because Of More Accidents?

Insurance  companies identified years and years ago that people who own and drive red cars have a tendency to travel at a higher rate of speed than the legal speed and they have more accidents, thus the reason that insurance companies have a higher rate premiums for red car owners.   Also note that it is not just red cars, there are other factors that cause higher premiums for other vehicles as well. Ie: Sport utility vehicles.  They have a higher rate as well because of the class of vehicle and the increase in accidents for the top heavy vehicles.