Garriaon : How much are auto insurance rates dependent on auto theft?
Response : This is a very relevant question since the auto insurance rates are directly dependent on auto theft. Now car theft depends on the car you are using and the data and statastics regarding the car.
Just recently the “hot wheels report” by National Insurance Crime Bureau’s (NICB) for 2008 revealed the following facts :

The 1994 Honda Accord ranked as the most stolen vehicle in the United States in 2008.
Following the 1994 Accord on the list of most stolen vehicles were:
• 1995 Honda Civic
• 1989 Toyota Camry
• 1997 Ford F-150 Pickup
• 2004 Dodge Ram Pickup
• 2000 Dodge Caravan
• 1996 Jeep Cherokee/Grand Cherokee
• 1994 Acura Integra
• 1999 Ford Taurus
• 2002 Ford Explorer
At the same time, the NICB said that the preliminary 2008 FBI Uniform Crime Report shows vehicle theft is on pace to decrease by 13.1 percent compared to 2007.
If the projection holds, 2008 would be the fifth consecutive year of declining vehicle thefts. NICB said if that trend continues, total thefts for 2008 would be below 1 million vehicles—a 20-year low.
The NICB said certain models of older cars and trucks are popular with thieves because of the value of their parts.
“Frequently, the parts can be stripped from a car at a chop shop and sold for at least twice as much as the value of the vehicle on the used car market,” the NICB said.
The organization added that newer models are also more difficult to steal because of anti-theft technology incorporated by the manufacturers.

Thus if you are looking for auto insurance for any of the listed vehicle which also requires a comprehensive and theft coverage, you will naturally pay higher.
However, the good news is that the thefts are decreasing, and secondly you can alwyas compare auto insurance quote online for free and review your car insurance coverage. You will certainly find the best auto insurance rate for your vehicle.

Mike Hill : Colorado : I am interested in taking a Comprehensive auto insurance quote? I have been charged a very high premium for my 1995 Honda Civic and am upset. I would appreciate your in-put on this.

Low auto insurance rate- Your car is a main factor.
Response : Mike, I can understand the reason why you are upset. it is always upsetting when your premium increases. For the insurance companies the statistical data is a factor of consideration for premium. The National Insurance Crime Bureau has complied a data of 10 most frequently reported lost/stolen vehicles which are :.
• 1995 Honda Civic
• 1991 Honda Accord
• 1989 Toyota Camry
• 1997 Ford F150 Series
• 1994 Chevrolet C/K 1500 Pickup
• 1994 Acura Integra
• 2004 Dodge Ram Pickup
• 1994 Nissan Sentra
• 1988 Toyota Pickup
• 2007 Toyota Corolla
Source: National Insurance Crime Bureau. Hot Wheels: Do You Know Where Your Car Is? (July 9, 2008)

This would mean that the theft ratio of these vehicles is higher and thus if one wants to include theft which is part of the comprehensive coverage the rate would be higher. The insurance company would base their rate on the statistics and also the companies own loss statistics.

Here is another tip, if you do not have a car which falls in the above list do not worry about it. Of course, you can make your car safer with all extra safety features if you want. Secondly you can shop and compare your auto insurance coverage on-line to find out the best rates.

Thanks.