There should be another stat connected to ship. Insurability. Any insurance salesman knows that Clipper pilots are taking more risks, speeds a lot more and is generally not as good clients as trustworthy old T-7 pilots. The Clipper should have 10% insurance rate and the T-7 a mere 2.5%. In general all combat ships should be costlier to insure since combat is a high risk endevour and trading ships should be cheaper. Multi-purpose would fit inbetween.
Although I understand your ideia, basing insurance on the risk of predicted occupation, but I have to disagree because no matter which occupation is is used on, the Clipper has a lot more survivability than the Dropship, and loads more than the T-7. One can vaporise 10 T-7's faster than 1 Clipper. So if the insurance company uses the "possibility of destruction" as a risk factor to calculate insurance claim costs, the T-7 would look very bad compared to the Clipper.
And don't forget many pilots use the Clipper for tradng as it can actually take more cargo than a T-7, and no pirate in the galaxy can interdict and catch a Clipper before it disappears into the black.