Los Angeles Auto Insurance

Auto Insurance Premiums - Avoiding Top 10 Most Stolen Cars

According to MSN autos on their advice data on the most stolen cars today in the U.S. , the top 10 cars most stolen are:

1. 2001 BMW M Roadster
2. 1998 Acura Integra
3. 2004 Mercury Marauder
4. 1999 Acura Integra
5. 1995 Acura Integra
6. 2002 Audi S4
7. 1996 Acura Integra
8. 1997 Acura Integra
9. 2001 Acura Integra
10. 2000 Jaguar XJR

“The study is based on total loss claims received from more than 350 property and casualty insurers in North America and compares the number of vehicles stolen and not recovered against vehicle registration volume information provided by R.L. Polk & Co., to determine the rate of theft“ according to MSN auto .

Auto Insurance Risks - Decrease It By Avoiding Stolen Cars !

Risks are one of the best basis for most major and minor insurers today for determining the auto insurance premiums that an auto insurance applicant will be paying. This is also the reason why i featured this article for giving a relevant and important tip to consider in buying and driving a car. This would hopefully be one of the best and valid tip in trying to decrease your auto insurance premium payments. If you intend to drive one of these makes and models of vehicles, it is a surefire that you would most likely have to reserve yourself to pay a high car insurance premium. The top ten cars that are stolen every year are the Honda Civic, Nissan Sentra, Toyota pick-up truck, Toyota Camry, Dodge Caravan, Chevy full size 1500 pick-up truck, Honda Accord, Acura Integra, Dodge Ram and the Ford F150 truck. Owning one of these vehicles, will subject your car insurance rate at an increase due to the theft rate (RISK) of these types and make of cars. Checking with your car insurance company will help you out on determining the latest list for some advice and preventions for your information and guidance. Take note also that your car’s specific model and year has an impact on your car insurance because of the theft rate or what is commonly known as “risk” for specific year model and theft statistics. You can also try and consult your insurer on the specific areas to consider about the matter, as i know that some places may see a rise in theft risks for another car rather than a car listed here. This means that risks also fall for the specific place where you live. Also, you have to put into consideration this area for your low insurance premium hunt because this will have a dramatic effect for that purpose.

Installing Safety Devices To Lower Your Auto Insurance Premiums

There is of course another way to lessen the risks of increasing your auto insurance premium and that is if you are interested to make some modifications on your car’s extra accessory. If you are still interested to own and drive a vehicle that presents a high risk for being stolen, you might consider to install some safety devices in order to lower your car insurance rate. This might just work and give you the same advantage as like owning a car that is equivalent to low risk on theft. Some of the available modifications you may want to do is to install alarm systems, wheel locks, dead bolts, smoke detectors, motion detectors and other devices to show the car insurance company that you want to keep your car and pose no threat of letting your car become listed in auto insurance statistics for the top 10 theft-prone cars this year or the coming years. It is a sure affordable cost for you to say that you can do whatever is needed to protect your vehicle and get that discount on your car insurance rate at the same time.

Classic Car Insurance VS Your Ordinary Auto Insurance

Classic cars are also one of those that have high risks in theft and i have here about eight classic cars that mostly appear on the top of the charts, but classic car insurance is very different from regular car insurance (read it here). It still makes the car insurance rate higher when you place insurance on these types of cars. To give you an idea of how much difference they have, here is an example: a 1968 Chevy Camaro and a 1995 Honda Civic has a cost difference of about three to four hundred dollars a year if not more.

Although most car insurance companies provide coverage for cars of these types, you need to have some safety measures in place and it is not enough that your Los Angeles auto insurance company know that you are keeping your car in the garage for safety.