Car theft has always been rampant within the United States even with all the security features installed on new models. The FBI’s Uniform Crime Report claims a vehicle is stolen every 30 seconds. Therefore, nobody is immune to it. Driving a certain type of vehicle will increase the possibility. You may be surprised with the outcome of the statistical data shared below.
According to the National Insurance Crime Bureau (NICB), the most stolen automobile is the Honda Accord and most of them are older models. For example, if you drive a Honda Accord from the year 1995 to 2005 there is a high chance you may lose it because they are easy to break in and get it started.
They would like a Lamborghini. But it is rare to find, hard to break in and they get tracked and found easily. On the other hand, Honda Accords can blend right in with other vehicles and they can be stripped for parts that are in demand. They usually, strip them and leave it anywhere but they cause enough damage for it to be totaled.
Other vehicles rounding out the top ten, in mixed order, include the 1995 Honda Civic, the 1996 Toyota Camry, the 1997 Ford F-150 Pickup, the 2004 Dodge Ram Pickup, the 2001 Dodge Caravan, the 2002 Jeep Cherokee, the 1995 Acura Integra, the 1999 Ford Taurus and a 2002 Ford Explorer.
Older cars may not be expensive or sporty but they are preferred for the same reasons. Insurers are aware of the vulnerable ones. Therefore, your premium can be higher if you own a less secure auto in comparison to a well-protected one. The parts may not be worth much in the black market but criminals would not care.
Newer models are harder to break into due to anti-theft measures taken by the manufacturers, but again such cars offer more value to thieves. Examples of top end cars that are stolen include SUV’s like the Cadillac Escalade ESV and Ford F-250 SuperCrew. According to statistics, the Cadillac Escalade ESV has fifteen burglary claims for every thousand insured. People can target a whole car or just some parts.
When calculating auto insurance costs, they always consider these risks. This results in higher premium payments for people living in a state with a high auto theft rate, like California, Texas and Florida, or for driving a vehicle that’s frequently stolen. You will need to buy comprehensive coverage to be able to claim for such losses and you would need to pay a deductible.
There are a few methods to help prevent or at least mitigate it. Some states, including Florida, Illinois and Kentucky, offer kickbacks on insurance fees if anti-theft devices are installed.
The NICB suggests four protective layers to prevent anyone getting your auto. The four layers are common-sense, which includes locking the doors, making sure the windows are up, and keeping keys with you; an alert device like an alarm; an immobilizing device like a fuel-cutoff or a smart key; and a tracking device that helps the police to find it.