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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, 2020)

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.


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