Car insurance rate depends on where you live and what you drive

Is something that a lot of people don't think when you buy a new – or even a used-car but the make and model has much to do with the car insurance rate that wind up paying. So not the zone in which they live.

It all boils down to a few primary statistics:

-How often accidents, theft or vandalism arising in the sector-based head

-How often the type of vehicle is involved in an accident

-How likely type of car is stolen

Don't we all get to choose where we live, and you don't have a lot of control over the number of accidents that other people in your region. Nor are directly responsible for the type of car thieves are looking for.

However, you can choose the type of car drive and enjoy the auto insurance rates cheaper. you can also reduce the premium car insurance by installing anti-theft devices and keep the car off the road, when not in use.

What thieves are looking for

Surprisingly, car thieves aren't going after newer models or most popular.In fact, according to a recent report by security Crime Board (NICB), three elderly imports top of the list.In order, these are:

-1994 Honda Accord

-1995 Honda Civic

-1991 Toyota Camry

Other popular destinations for thieves to auto include the 1997 Ford F-150 and 1994 Chevy C/K pickup 1500.

Why?

One would think that most glamorous vehicles such as the Cadillac Escalade (popular with pushers depicted on crime Show) would have been higher in the list the most likely reason is that Honda and Toyota made some high-quality products, return to the first half of the 1990s, but because of their age, parts for these vehicles aren't made. This highlights another problem.

Hold the bag

Most people who own older vehicles usually drop their cars full insurance coverage. This means that they are not covered when the vehicle is stolen – and no complaint is filed. According to statistics, over 97,000 NICB stolen vehicles in 2009 that have not been recovered, but less than 40% had cover theft.

Protect yourself

It is always a good idea to periodically review your policy. If your vehicle is worth less than $ 1000, probably not worth making a complete coverage – but if yours is one of the brands/models listed and you live in a region where car theft are endemic (Yakima, Washington; Las Vegas, Nevada, and El Paso, Texas currently top listing), you can make sure are covered in case of some predatory person decides to do with your vehicle.