To me the surprising thing was that your insurance person thought that silver or platinum were new colors.

Red cars often get higher rates because of a couple reasons.

1: More sports cars are red than say minivans or sedans & sports cars get higher rates.

2: Accident rates for red cars are higher - this is believed to be because red is an aggressive color and the more agressive you are the more likely you will cause accidents. Those of us who are more conservative dislike red cars and so when we're tired of our car, we occasionally let a red car plow into ours.

pax yall