These cars are the most likely to be stolen: Is yours on the list?

The 10 most-stolen cars and the cost of theft insurance

These cars are the most likely to be stolen: Is yours on the list?
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A Chinese group hacked a Tesla Model X. Elizabeth Keatinge (@elizkeatinge) has more.

Driving an older vehicle is often a smart financial decision, as they’re typically more affordable to buy and insure. But an older vehicle could also make you a target for car thieves.

The National Insurance Crime Bureau recently released its annual “Hot Wheels” report, which identifies the 10 most-stolen vehicles in 2016 in the United States according to vehicle theft data.

Honda Accords and Civics are at the top of the list, with nearly 100,000 thefts combined. And older models of those cars are the most-targeted by thieves:

VehicleTotal thefts in 2016Model year most stolen
1. Honda Accord50,4271997
2. Honda Civic49,5471998
3. Ford pickup32,7212006
4. Chevy pickup31,2382004
5. Toyota Camry16,7322016
6. Nissan Altima12,2212015
7. Dodge pickup12,1282001
8. Toyota Corolla11,9892015
9. Chevy Impala9,7492008
10. Jeep Cherokee/Grand Cherokee9,2452000

Buying insurance for car theft

If your vehicle is on the list, you might feel a brief wave of panic. Finding that your car has been stolen can be a nightmare, and older vehicles without built-in anti-theft systems are especially vulnerable.

Whether or not your car is on the list, buying the right car insurance can help you avoid paying for a new car yourself if yours is stolen. Comprehensive insurance pays the current value of your car if it’s stolen and not recovered. It also pays for damage from vandalism, weather, fire and animal collisions.

Comprehensive claims have a deductible, which is the amount deducted from your insurance check. Comprehensive and collision insurance are typically required if you have a car loan or lease, but they are not otherwise required by state law.

The makes and models of vehicles on the NICB’s most-stolen list haven’t changed much over the past few years. However, when comparing the first half of 2015 to the first half of 2016, the I found that the total number of reported vehicle thefts in the U.S. increased 6.6%.

According to the NICB, one possible cause for this uptick could be that thieves are using sophisticated hacking technology designed to overcome electronic anti-theft systems, in addition to targeting older cars.

Here’s a look at the cost of collision and comprehensive insurance for the most-stolen vehicles in the model year most affected by theft. Since these coverage types are often sold as a package, we looked at rates for policies with both.

 Annual cost of collision and comprehensive insurance (with a $1,000 deductible)Vehicle’s replacement value (= maximum insurance payout)
CaliforniaFloridaTexas
1. 1997 Honda Accord$296$251$307$3,675
2. 1998 Honda Civic$264$211$272$2,850
3. 2006 Ford pickup$462$365$372$7,450
4. 2004 Chevy pickup$381$292$343$6,425
5. 2016 Toyota Camry$644$548$740$17,900
6. 2015 Nissan Altima$682$580$719$13,075
7. 2001 Dodge pickup$379$285$308$4,350
8. 2015 Toyota Corolla$661$560$683$13,200
9. 2008 Chevy Impala$423$346$476$6,250
10. 2000 Jeep Cherokee/Grand Cherokee$286$198$233$3,575

Is it worth it?

The maximum payout from collision or comprehensive coverage (for a stolen car, for example) is the value of the vehicle minus your insurance deductible.

If you have an older car, consider whether the cost of collision and comprehensive coverage over several years is worth the potential insurance payout.

Remember to subtract your deductible from the amount of the vehicle’s value. For example:

  • You pay for collision and comprehensive coverage in California for a 1997 Honda Accord for five years = $1,480
  • Your vehicle is stolen and was worth $3,675 at the time. Your deductible is $1,000.
  • Insurance payout: $2,675

How to make it harder to steal your car

  • Always turn off your vehicle if you’re not in it and take the keys with you. Even in your own driveway.
  • Lock all doors, windows and the trunk or hatch every time you leave your vehicle.
  • Use anti-theft systems in your car such as external steering wheel locks, hood locks, tire locks, kill switches, car alarms and tracking systems such as Lojack. Bonus: Having an anti-theft system might qualify you for a discount on your comprehensive car insurance.
  • Choose parking spaces that are off-street, highly visible and well-lit whenever possible. Also, don’t leave your vehicle in an unmonitored parking lot or parking garage for long periods of time.
  • Never write your name or address on your keychain. If lost, thieves can use this information to locate and steal your vehicle.
  • Park your vehicle with the front end facing an obstacle, such as a wall or guardrail, whenever possible. This makes it harder for thieves to tow or roll your car away if they can’t get it started.
  • When you must park on the street, park with wheels turned toward the curb and lock the steering wheel. Again, this makes it harder to tow your car away without damage.
  • Have your VIN number chemically etched on your windows by a car dealership or local police department, if it’s not there already. Etching makes it harder for thieves to resell your vehicle and its parts.

Beth Buczynski is a staff writer at NerdWallet, a personal finance website. Email: bbuczynski@nerdwallet.com.

Methodology: The list of stolen vehicles was compiled by NICB using data submitted to the National Crime Information Center by law enforcement.

For rates, NerdWallet looked at annual prices with and without collision and comprehensive insurance. We averaged the three lowest rates in each state shown for 30-year-old men and women in 10 ZIP codes from the largest insurers in each state.

We used a $1,000 deductible for comprehensive and collision coverage. All rates include liability coverage of $30,000 bodily injury per person and $60,000 bodily injury per accident. Rates are for drivers with no accidents or violations on record.

For Ford trucks, we looked at rates for the F-150. For Chevy trucks, we used the Silverado. For Jeep, we used the Cherokee.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

“Replacement value” indicates average retail or clean retail value from the National Automobile Dealers Association using ZIP code 94404. We used 2-wheel-drive vehicles when more than one option was available. The car values listed do not represent all possible option packages.

More from NerdWallet

The article The 10 Most-Stolen Cars and the Cost of Theft Insurance originally appeared on NerdWallet.

Read or Share this story: https://www.usatoday.com/story/money/personalfinance/2017/08/03/10-most-stolen-cars-and-cost-theft-insurance/527867001/

Источник: https://www.usatoday.com/story/money/personalfinance/2017/08/03/10-most-stolen-cars-and-cost-theft-insurance/527867001/

Top 10 most stolen cars in Canada

These cars are the most likely to be stolen: Is yours on the list?

If you own a Ford pickup truck, you’re more ly to have it stolen than any other automobile in Canada. That’s according to the Insurance Bureau of Canada, which ranks models that are the most stolen cars in Canada each year.

The data is insurance claims from across the country, and it can affect your car insurance rates depending on your make, model, and even your neighbourhood (as of writing).

The effects of car theft reach far beyond insurance problems. It costs Canadians nearly $1 billion each year. That includes about $550 million for insurance companies to fix or replace stolen vehicles and $250 million for police, health care, and judiciary expenses. Tack on millions more for correctional services.

Don’t make yourself part of those statistics. Here are the 10 most stolen cars in Canada for 2016, along with some advice on what you can do to avoid becoming a target.

Top 10 most stolen cars in Canada (2017)

Ford cars take up seven of the top 10 spots on the list. The most stolen cars in Canada include:

  1. 2015 LEXUS GX460 4DR AWD SUV
  2. 2007 FORD F350 SD 4WD PU
  3. 2006 FORD F350 SD 4WD PU
  4. 2005 FORD F350 SD 4WD PU
  5. 2001 FORD F350 SD 4WD PU
  6. 2003 FORD F350 SD 4WD PU
  7. 2004 FORD F350 SD 4WD PU
  8. 2016 TOYOTA 4RUNNER 4DR 4WD SUV
  9. 2002 FORD F350 SD 4WD PU
  10. 2006 FORD F250 SD 4WD PU

That list has a lot of Ford F350s on it. These models aren’t equipped with an electronic immobilizer for theft deterrence, but trucks also tend to have higher price tags than the average sedan or compact car.

Top 10 most stolen cars in Canada (without repeated models)

That list might not help you much if you don’t own a Ford F350, so we made another list of the 10 most stolen vehicles in Canada without repeated models, data from the Insurance Bureau of Canada between 2013-2017.

  1. 2007 FORD F350 SD 4WD PU
  2. 2015 LEXUS GX460 4DR AWD SUV
  3. 2015 TOYOTA 4RUNNER 4DR 4WD SUV
  4. 2003 CADILLAC ESCALADE 4DR 4WD SUV
  5. 2010 ACURA ZDX 4DR AWD SUV
  6. 1999 HONDA CIVIC 2DR COUPE
  7. 2000 HONDA CIVIC SiR 2DR
  8. 2006 CHEVROLET TRAILBLAZER SS 4DR 4WD SUV
  9. 2006 ACURA RSX TYPE S 2DR 2D
  10. 2006 CHEVROLET/GMC TAHOE/YUKON 4DR 4WD SUV

Top 10 most stolen cars in Ontario (2017)

IBAC also has a list of the 10 most stolen cars in Ontario, which you can see here.

  1. 2016 TOYOTA 4RUNNER 4DR 4WD SUV
  2. 2015 TOYOTA 4RUNNER 4DR 4WD SUV
  3. 2006 CHEVROLET/GMC TAHOE/YUKON 4DR 4WD SUV
  4. 2003 CHEVROLET AVALANCHE 1500 2WD PU
  5. 2005 CHEVROLET/GMC TAHOE/YUKON 4DR 4WD SUV
  6. 2006 CHEVROLET/GMC SILVERADO/SIERRA 2500 4WD PU
  7. 2003 HUMMER H2 4DR AWD SUV
  8. 2002 CHEVROLET/GMC TAHOE/YUKON 4DR 4WD SUV
  9. 2014 TOYOTA 4RUNNER 4DR 4WD SUV
  10. 2005 BUICK/CHEV/GMC RAINIER/TRAILBLAZER/ENVOY 4DR 2WD SUV

Looking to buy a car? Read this list of the cheapest cars to insure in Ontario to make sure you’re getting the premium you want.

How to prevent your car from being stolen

It’s not always possible to prevent car theft, but there are plenty of simple steps you can take to avoid seeming an easy target. Keep the following in mind when you park your car:

Stash your valuables sight

If a thief spots any expensive electronic equipment or your wallet in your car, they may be tempted to break in and take it. Once inside, they may consider taking your vehicle as well. Hide valuables in the glove compartment, the trunk, or under your seat. Put larger items ( laptops) in bags, and put those bags in the foot well.

Also avoid leaving holiday gifts in your car during the shopping season. Thieves know when to look!

Park in visible, well-lit spots

Car thieves prefer to operate in the shadows for obvious reasons, so avoid parking in alleys or hidden-away places.

It’s best to park under a light, by an entrance, or in full view of a security camera. This increases the odds of thieves being seen, recorded, and having their ness being reported to the police.

They’ll avoid those situations wherever possible, which means you should embrace them.

Lock up and shut down

It might seem obvious, but keep your car doors locked and windows shut any time you’re parked. That includes your own driveway. Never leave your car running unattended, either! If you quickly run inside while leaving your car to warm up on a chilly day, you might return to find it stolen.

This is twice as important if you keep your house keys and your car keys on the same chain, because then the thief could get into your house.

Hide your keys at home

While it’s convenient to leave your keys hanging by the door of your home, this is the first place a burglar will think to look for them. Don’t make it easy for any unwanted guests! Keep your keys hidden, or in your bedroom while you sleep. If you have a hidden spot for the spare key, then change the hiding spot every few months.

Get an alarm

If your car didn’t come with an alarm system, consider getting one installed. Don’t forget to put a sticker on your windshield to let crooks know that your vehicle has an alarm. Deterrence is half the battle!

Go the extra mile

Feel the need to be absolutely secure? Consider buying an anti-theft device such as a steering wheel lock. Not only would it make your car more difficult to steal, but if a thief notices the device they might turn away without even trying.

Stay safe and reduce insurance costs

One factor taken into account when car insurance companies calculate premiums is an automobile’s make and model, and as well as the statistical chance of a vehicle theft. Help keep your car off the Top 10 list and save yourself some cash by taking note of which cars are stolen most often and following the steps above to avoid car theft.

Get a 5-minute online quote with us to see what your rates will look with the car you have in mind.

Источник: https://www.ahainsurance.ca/car-insurance/top-10-most-stolen-cars-in-canada/

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