You might want to choose your car carefully. Legally, you should not drive on a public highway without car insurance. This alone should convince you all the more to get car insurance. But, as the first sentence said, you should choose your car carefully. If you want to safe on insurance, resist the urge to get an expensive car no matter how hot it looks. This will be the target of thieves and your insurance company will, naturally, charge higher rates for expensive cars because of the amount of money they will be spending if your car is stolen.
So, what are the cars that are the favorite of thieves? In 2006, National Insurance Crime Bureau (NCIB) reported that Honda Civics and Accords are on the top of burglar's lists. Even car thieves are aware of the latest trends when it comes to cars. If you want your car to stay safe from car thieves, then get yourself updated on their targets too. NCIB reports the top ten stolen vehicles as follows: 1995 Honda Civic, 1991 Honda Accord, 1989 Toyota Camry, 1997 Ford F150 Series Pickup, 1994 Chevrolet C/K 1500 Pickup, 1994 Acura Integra, 2004 Dodge Ram Pickup,1994 Nissan Sentra, 1988 Toyota Pickup, and 2007 Toyota Corolla in ascending order.
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When you buy car insurance, make sure that you check the popular stolen vehicles in your State. If you buy a car that falls under this category, your insurance company will give you higher rate in your insurance policy. If you live in the city it is more likely that your car is a target for car thieves. It is likewise the case in port and border areas where the car theft business thrives. In a 2008 data, the top ten areas with highest car theft rates are Modesto, CA; Laredo, TX; Yakima, WA; San Diego/Carlsbad/San Marcos, CA; Bakersfield, CA; Stockton, CA; Las Vegas/Paradise, NV; Albuquerque, NM; San Francisco/Oakland/Fremont, CA; and Fresno, CA. This means that if you live in these areas you are likely to pay higher rates for car insurance. If your insurance company will consider the State where you live in and not only the particular area, you should expect to pay higher rates if you reside in California, Texas, Florida, Arizona, Michigan, Washington, Georgia, Illinois, Ohio and New York. The States mentioned are the top ten States with the highest numbers of car theft in 2006.
Car thieves select the vehicle they steal according to what their thieving area prefers. There are some cities that prefer American models, some Japanese models and some still prefer pick-ups. In trying to get affordable car insurance, you will most likely succeed if you are aware of the risks that your car may encounter depending on its model and the place where you live in.
Your insurance policy's Comprehensive coverage covers car theft. In recent data available, the average premium for Comprehensive coverage fell by 3.3% in the U.S. In 2005 the average premium for Comprehensive coverage was $145.16 and it fell to $140.38 in 2006. Keep this in mind when hunting for low car insurance rates.