No one likes the idea of stepping outside to find out that their vehicle has been stolen. Unfortunately, auto theft can happen beyond our control. According to the National Highway Traffic Safety Administration, more than 770,000 drivers become victims of auto theft each year. Granted, there are locales where auto theft is more prevalent, but there are several things you can do to help protect yourself from becoming a victim, and potentially lower your car insurance. You can purchase a car monitoring device, a “kill switch” as well as other anti-theft devices. Additionally, there are more common checks you can do to ensure you’re not making it easy for thieves to steal your wheels.
The Top 10 States Where Auto Theft is Most Prevalent
It should come as no surprise that some of the most populous states in the nation have the most vehicular theft incidents. California, Texas and Florida are among the top ten on the list. Outside of population, vehicles that have outdated security features and individual negligence also heighten the risk for auto theft. As the latest full report detailing crime for each state, the FBI’s 2017 Crime in the United States report lists the following states as the top 10 for reported auto theft:
- California – 168,391
- Texas – 68,041
- Florida – 42,914
- Washington – 28,796
- Georgia – 26,263
- Colorado – 21,861
- Illinois – 20,881
- Ohio – 20,253
- Missouri – 19,921
- Michigan – 19,573
What Cars are Auto Thieves Taking?
The Honda Civic and Accord are the two most common vehicles stolen, according to the National Insurance Crime Bureau (NICB), but why? ABC News reports that since some parts can be used across model years, auto thieves will take those parts and sell them, in some cases “[getting] up to three time the value of the vehicle”. Here are the top 10 vehicles the NICB’s 2017 Hot Wheels Report lists as the ones most stolen:
- Honda Civic – 45,062
- Honda Accord – 43,764
- Full-size Ford truck – 35,105
- Full-size Chevrolet truck – 30,058
- Toyota Camry – 17,278
- Nissan Altima – 13,358
- Toyota Corolla – 12,337
- Full-size Dodge truck – 12,004
- Full-size GMC truck – 10,865
- Chevrolet Impala – 9,487
Can Auto Theft Affect Your Car Insurance Premium?
Your location and the likelihood of your vehicle being stolen can affect your car insurance premium. TheBalance writes that where you live can affect your car insurance premium. For instance, if you live in an urban area where crime is more likely to be more prevalent, then your insurer may take that into consideration when determining your monthly premium. In the event that your vehicle is broken into or stolen, comprehensive coverage could protect you. You’ll need to check with your insurer to find out if the company offers this type of coverage. In terms of premium adjustment if your vehicle is stolen, this will depend on your insurer.