Lock all doors, windows and the trunk or hatch every time you leave your vehicle.Always turn off your vehicle if you’re not in it and take the keys with you.Your vehicle is stolen and was worth $3,675 at the time.You pay for collision and comprehensive coverage in California for a 1997 Honda Accord for five years = $1,480.Remember to subtract your deductible from the amount of the vehicle’s value. If you have an older car, consider whether the cost of collision and comprehensive coverage over several years is worth the potential insurance payout. The maximum payout from collision or comprehensive coverage (for a stolen car, for example) is the value of the vehicle minus your insurance deductible. Vehicle’s replacement value (= maximum insurance payout) Since these coverage types are often sold as a package, we looked at rates for policies with both.Īnnual cost of collision and comprehensive insurance (with a $1,000 deductible) 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. increased 6.6%.Īccording 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. However, when comparing the first half of 2015 to the first half of 2016, the FBI found that the total number of reported vehicle thefts in the U.S. The makes and models of vehicles on the NICB’s most-stolen list haven’t changed much over the past few years. View Gallery: Grand theft auto: The top 10 stolen cars of 2016 Comprehensive and collision insurance are typically required if you have a car loan or lease, but they are not otherwise required by state law. It also pays for damage from vandalism, weather, fire and animal collisions.Ĭomprehensive claims have a deductible, which is the amount deducted from your insurance check. Comprehensive insurance pays the current value of your car if it’s stolen and not recovered. 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. Finding that your car has been stolen can be a nightmare, and older vehicles without built-in anti-theft systems are especially vulnerable. If your vehicle is on the list, you might feel a brief wave of panic. And older models of those cars are the most-targeted by thieves: Vehicle Honda Accords and Civics are at the top of the list, with nearly 100,000 thefts combined.
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