Sarah McLachlan: Should you compare auto insurance theft data when you review car insurance? I live in Texas.

Compare auto insurance theft data when you review car insurance.

Response : Sarah, it makes complete sense in being informed and looking at datas if this interest you since data is the basis of insurance ratings. General auto insurance companies are constantly gathering data and based on the data which gives them information on the prevaling trends, risk and factors affecting their claims they would base their insurance rates.

Recently Allstate on of the lead insurance company analyzed its data for Texas for the car thefts – the more costly or new the vehicle is the more likely it is to be stolen and this is the very reason you should insure your new vehicle on a comphrensive basis.

During the last year the top vehicles which were stolen were mainly trucks :
Rank Vehicle
1 Dodge Ram Pickup (2004)
2 Ford F150 (1997)
3 Honda Civic (2000)
4 Honda Accord (1994)
5 Chevrolet Extended Cab 4X2 Pickup (1997)
6 Ford F250 Pickup (2004)
7 Chevrolet Conventional Cab 4×2 Pickup (1988)
8 Ford F350 Pickup (2006)
9 Ford Taurus (1997)
10 Ford Explorer (2002)

The cities which had the maximum auto thefts were
City % Change from 2008 to 2009
Austin +12.9%
Dallas-Fort Worth -2.2%
El Paso -20.2%
Houston +15.6%
Rio Grande Valley +6.2%
San Antonio -21.9%
Tyler-Longview +9.3%
Waco-Temple-Killeen -10.0%

Thus in Houton, Austin ad Tyler Longview the thefts have in El Paso and San Antonio the thefts have decreased or dropped and become more safe. If you ar living in Houston and driving a Honda Civic the chances are that your auto insurance premium will increase and thus it would be worth-while to compare auto insurance quotes and review car insurance if you want low auto insurance rates.
Thanks.
Kamlesh

Dianara :What determines the price of my auto insurance policy?
Respionse : There are many factors that influence the price you pay for auto insurance. The average American driver spends about $850 a year. Your premium may be higher or lower, depending on the following :
1.Your driving record:The better your record, the lower your premium. If you’ve had accidents or serious traffic violations, you will pay more than if you have a clean driving record. You may also pay more if you haven’t been insured for a number of years or are a new driver.
2. Mileage of use :The more miles you drive, the more chance for accidents. If you drive a lower than average number of miles per year, less than 10,000, you will pay less. For instance, some companies will give discounts to policyholders who carpool.
3. Geographical area :-Where you live. : Insurance companies look at local trends, such as the number of accidents, car thefts and lawsuits, as well as the cost of medical care and car repair.
4.Your age:In general, mature drivers have fewer accidents than less experienced drivers, particularly teenagers. So insurers generally charge more if teenagers or young people below age 25 drive your car.
5.The car :The car you drive decides your insurance rate.Some cars cost more to insure than others. Variables include the likelihood of theft, the cost of the car, the cost of repairs, and the overall safety record of the car.
6.The amount of coverage.Of course, like anything else, the more coverage you have, the more you pay. However, you may qualify for discounts.
It is best to compare your car insurance rates and auto insurance online for free and see what the changes are. Friends this is a dynamic market and so it pays to compare auto insurance quotes – 411.