Sme cars are more likely to be stolen than others. Usually, this has to do with the car being particularly new or valuable, or easier to break into than other vehicles. If you have a commonly stolen car, then you can expect your insurance rates to be higher than the average. These cars are, for obvious reasons, a major insurance risk. Insurers don’t want to back a car that is likely to be stolen and that they will have to replace or cover the cost of. Most will cover such cars, but they up your premium significantly in order to cover their potential loss. If you are currently in the process of buying a car and don’t want to be saddled with higher insurance rates, then keep in mind that some vehicles are more commonly stolen than others.
1. 1994 Honda Accord
Each year, Forbes put out a list of the most-stolen cars for that year. Last year, one of the most stolen cars of all was the 1994 Honda Accord mid-size. It might come as a surprise to you for such an old and relatively average vehicle to be so commonly stolen, but it makes sense if you think about it. Common, everyday cars are easy sells, so the person stealing them sees an easy way to make a quick buck to an unsuspecting or unscrupulous buyer. Plus, since these cars are older, most people don’t bother to equip them with a lot of anti-theft equipment, which makes them an easy target. If you’ve got an older car that you don’t think anyone would want to steal, chances are it’s at a risk for theft, and you need to take steps to protect it.
2. 1998 Honda Civic
Here’s yet another car that suffers because of how normal it is and thus how easy it would be to unload to buyers. This car also has the added benefit of being older, but not too old to draw some real value, depending upon its condition of course.
3. 2006 Ford F-150
Trucks are a wonderful target for thieves, and the 2006 Ford F-150 pickup seems to be a big favorite of theirs. Thieves who are looking to sell your truck benefit from the very basic, classic design of this model, which can appeal to just about any buyer. Those who plan to keep your vehicle for other illegal activities also find themselves in luck. The roomy cab is perfect for getting away with large, stolen merchandise.
4. 1991 Toyota Camry
The Camry has long been a favorite of car thieves, also making this unfortunate list back in 2009. Because the car was designed in 1991, it doesn’t have very sophisticated locks or ignition. This combo is perfect for car thieves who can break in easily and quickly and hotwire the car in a flash.
5. 2000 Dodge Caravan
You might be surprised to find such a family-friendly vehicle on the list, but in these troubled economic times, many people are desperate for affordable vehicles. Thieves know this, and they also know that an appealing family car at a low price is enough to suck in even the most reputable of buyers.
Keep Your Car Safe!
If your dream car happens to be on the list, you don’t have to settle for a car you don’t like as much. Instead, you just need to take steps to better protect your car and, in turn, lower your insurance rates. Installing an anti-theft security system on your vehicle, installing coded entry locks, or even opting for a car in a less traditional and therefore less desirable (at least to thieves) color can all reduce the risk of having your car stolen.
Oftentimes, insurance companies will even give you a discount for taking such measures. Others may also discount your premium if you park in a safe place overnight. By choosing an insurance company that is willing to work with you, and by taking smart steps to protect your car, you can save money and protect your wheels.
This article was written by Ty Whitworth for the team at Mr Clutch News.