So, no, the mustang is no more than, my Audi,or my jeep Rubicon reckon. As they get older they are less yetAre you paying the same now as you were in 1985? If you're paying more now, wouldn't that mean your rates have gone up?
I think what BlackFerret meant is that overall, insurance companies charge more to insure cars that have a history of higher claims, but they don't just raise the rates mid-contract, they usually do it on the next renewal, spread out over time. So you pay more than you used to, they just don't come and tell you they raised the rates for specific reasons.