Why Is My New Car's Insurance So Cheap?

I know that OnStar has cell service included even past the three year free trial   Looking at the features that it includes explains why even beyond the 3 year trial it is a moneysaver for insurers:

"All OnStar-equipped vehicles have Stolen Vehicle Tracking, which can provide the police with the vehicle's exact location, speed, and direction of movement.

"Starting in the 2009 model year, General Motors began equipping some new vehicles with Stolen Vehicle Slowdown. This feature allows OnStar to remotely slow down the stolen vehicle. The service is also expected to help reduce the risk of property damage, serious injuries or fatalities resulting from high-speed pursuits of stolen vehicles. Customers may opt out of that function.^[8] The first successful use of this service occurred in October 2009 when a stolen Chevrolet Tahoe was recovered and its suspected thief was apprehended.^[9]

"Also in 2009, General Motors began equipping some new vehicles with Remote Ignition Block, allowing OnStar to remotely deactivate the ignition so when the stolen vehicle is shut off, it cannot be restarted.^[10]"

The immediate reporting of accidents probably reduces deaths because of faster emergency response.   Car theft in some parts of America is, I am sure, a major expense.

The ability to slow down or immobilize a stolen car is likely a net savings in lives and police services for state and local governments.

I am pretty sure because of the duration of vehicle diagnostic services included,  that even without OnStar there are benefits for insurers.