The Most Commonly Stolen Cars And Insurance
It won't be big news for car owners saying that some cars are just too good to not get stolen every now and then
. To our regret, car theft is something that happens in our country on a regular basis, and those who do it have particular tastes and interests when tracking down their victims. In some cases there's even a hunt for particular car makes and models, which makes insurance providers adjust their rates accordingly. Who wants to insure a car for cheap when it's very likely to be stolen, right?According to the 2009 National Insurance Crime Bureau, the following are the top 10 most commonly stolen cars in the US:
1. '94 Honda Accord
2. '95 Honda Civic
3. '91 Toyota Camry
4. '97 Ford F-150 Pickup
5. '04 Dodge Ram Pickup
6. '00 Dodge Caravan
7. '94 Full Size Chevrolet Pickup
8. '94 Acura Integra
9. '02 Ford Explorer
10. '09 Toyota Corolla
These are the average national rankings, which vary from state to state. For example, in southern states there's a particular interest in '95 full-size Chevrolet pickups, while the northern car thieves prefer '00 Dodge Caravans. In general, the '90 import cars seem to be very popular targets for car thefts. There are many reasons for this, including their affordable prices and in many cases the possibilities of tuning, which are highly appreciated among car enthusiast who often don't even suspect that they are buying a stolen car for such a low price. Still, some newer models show their wide popularity among the population, which is reflected bizarrely through higher theft rates.
How these statistics reflect in car insurance quotes and rates? Well, insurance providers simply tend to set higher rates when seeing vehicles with high theft rates even if other factors such as engine volume, top speed, age and sex of the driver, his credibility and driving record are good in general. This is done to assure that the insurance company is getting the payment for taking the risk of insuring a particular vehicle, which is of course higher when dealing with car from the list above.
What can be done to get lower car insurance quotes even if you have a vehicle from the list? First of all, make sure to minimize the risk of the car being stolen. This can be done in different ways. You can install anti-theft devices, alarms and engine blockers to make your car less prone to theft. Next, throw out the junk from your garage that keeps your car on the roadside in front of the house and use it according to its purpose. If you don't have a garage, or have to park the vehicle in the city, make sure to take all the valuables with you. Things like your ipod, GPS navigator or laptop can be a strong temptation for a burglar to break into the car, and it won't take them far to commence actual car theft. And of course, don't forget to shop around for car insurance. Get as many car insurance quotes from different providers as you can and you'll surely find an attractive policy. Insurance companies have different theft statistics and claims, so use it to your advantage.
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