[Fat Charlie]

There are travelling dent repair guys who have everything they need to work on steel in their trunks. If body shops are building clean rooms, buying new tools and probably running a guy through an aluminum repair training class just on the off chance that they get a new F-150 in the shop this year, then it costs them more to repair aluminum rigs. Those extra costs aren't spread out over the whole collision market, but exist only because of new F-150 owners- so insuring one is going to cost more, too.