Enter your ZIP code:

How What You Drive Affects Your Auto Insurance Quotes

by Penny M. Hagerman


Ever wonder how insurers determine auto insurance quotes? Are they just random numbers pulled from thin air—or are there real facts behind the numbers that help set premiums?


Though insurers concern themselves with anything that increases the risk of claims, the likelihood of auto theft plays a large role in final premium rates—as does what you drive.


Just the Facts


Covered under the comprehensive portion of an auto policy, theft coverage pays to repair or replace stolen automobiles and the often expensive parts they contain.

These days, an automobile is stolen in the U.S. approximately every 29 seconds. Though this statistic actually represents a downward trend that has taken place during the past few years, the dollar amount per claim per automobile is increasing exponentially.

As Americans seek out the most luxurious autos with all the latest and greatest gadgets, fixing or replacing those autos—and paying the increasing cost of bodywork involved—becomes more and more difficult. Insurers must pass along that increased risk and elevated cost to customers through higher auto rate quotes.

It's only by taking wise action to choose the right automobiles, make them less available to thieves, and aid in the auto recovery process that we can cut the risk of theft and lower auto insurance quotes.


Theft Factors

To determine the cost of auto insurance and target possible rate quotes, most insurers consider the following factors of utmost concern.

  1. Car price and value. The cheaper the automobile insured, the lower the auto insurance.
  2. Car model and type. Sedans cost less to insure than sports cars; basic models cost less than luxurious ones. 
  3. Geographic location. Areas with lower crime rates experience lower rates.
  4. Safety measures taken. Locking doors, removing valuables from autos and parking in well-lit areas all reduce the likelihood of theft.
  5. Safety components installed. Items like air bags, traction control systems and anti-lock brakes make for safer automobiles—and owner discounts.
  6. Tracking systems used. Global positioning systems (GPS) like OnStar and LoJack use a hidden auto transmitter that allows police to track down stolen automobiles. This increases the likelihood of recovery and restrains premiums.

Choosing the Right Automobile


Many of today's most popular cars have interchangeable parts, making them a common target for thieves looking to make money.

With a few simple changes, criminals can find and swap parts from one model to another, preying on others' misfortune and driving up insurance rates in the process.

To help avoid the risk of theft and keep quotes low, consider this list of the most frequently stolen automobiles, circa 2007 (the last year for which results became available). Those who drive these vehicles should expect more expensive insurance policies, due to the increased risk of theft.


Top 10 Most Frequently Stolen Vehicles, 2007*





Year, Make & Model


1995 Honda Civic


1991 Honda Accord


1989 Toyota Camry


1997 Ford F-150 Series Pickup


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 (NICB)


Kissing High Premiums Goodbye


By thinking ahead, making positive changes to reduce the chance of theft, and minimizing the risk to insurers, auto insurance prices can be kept at bay—and premiums kept affordable.

List of Articles
No. Subject Author Views
85 Rental Car Insurance: Do You Really Need It? youcomparequotes 17595
84 Auto Insurance: The Secret Weapon for Saving at the Pump youcomparequotes 17921
83 Getting the Cheapest Car Insurance in Your State youcomparequotes 16864
82 Play It Safe for Cheap Truck Insurance Rates youcomparequotes 17239
81 How to Get Discount Auto Insurance youcomparequotes 17675
80 Insurance for Van Lovers youcomparequotes 17345
79 Car Insurance That Fits Your Needs youcomparequotes 17076
78 Online Car Insurance Quotes in 5 Easy Steps youcomparequotes 17260
77 Getting Insured with an Online Auto Insurance Quote youcomparequotes 18260
76 Home and Auto Insurance: Sure-Fire Protection in Unsure Times youcomparequotes 17081
75 How to Keep Teen Car Insurance Quotes at Bay youcomparequotes 19314
74 Choosing Cheap Online Car Insurance That Fits Your Life youcomparequotes 17660
73 Auto Insurance from InsureMe youcomparequotes 17579
72 Car Insurance Comparisons Save You Time & Hassle youcomparequotes 17933
71 Car Insurance Companies & InsureMe Save You Money youcomparequotes 18328
70 Buying and Insuring a New Car youcomparequotes 16709
69 Compare Auto Insurance Rates youcomparequotes 17044
68 Safety Measures Lower Auto Insurance Quotes youcomparequotes 16546
67 Getting Car Insurance Quotes, from Beginning to End youcomparequotes 16645
66 The Car Insurance Quote & Ratings Factors youcomparequotes 17137
65 What's Behind Your Auto Insurance Quotes? youcomparequotes 17256
64 How Cheap Car Insurance Can Save You Money youcomparequotes 16552
63 How to Reduce Car Insurance Prices youcomparequotes 17132
62 Getting Insured with Free Car Insurance Quotes youcomparequotes 17327
61 Auto Owners Insurance & Costly Driving Mistakes youcomparequotes 16609
60 Auto Insurance Cost & Your Ride youcomparequotes 17137
59 How No Fault Auto Insurance Works--or Doesn't youcomparequotes 16913
58 How to Get the Cheapest Car Insurance youcomparequotes 16821
57 Selecting a Car Insurance Company youcomparequotes 17523
56 Finding New Car Insurance Following Cancellation or Nonrenewal youcomparequotes 17130
55 Get the Best Car Insurance Rates Around youcomparequotes 17371
54 Factors That Affect Your Car Insurance Quotes youcomparequotes 16405
53 Child Safety Belts Keep Kids Safe youcomparequotes 17073
52 Speeding and Car Insurance Rates youcomparequotes 16771
51 Not At Fault Car Insurance & Accidents youcomparequotes 16913
50 State Auto Insurance Becoming Available youcomparequotes 17196
49 Auto Insurance Gap Narrowed by Insurance youcomparequotes 17645
48 Car Insurance & Roommates or Family Members youcomparequotes 17227
47 PIP and No-Fault Auto Insurance Reform youcomparequotes 16922
46 PIP and No-Fault Auto Insurance Reform youcomparequotes 16827
45 SUVs: Minor Collision, Major Damage youcomparequotes 17376
44 Severe Weather Driving Tips youcomparequotes 17105
43 Avoiding Aggressive Drivers youcomparequotes 18007
42 Safety Tips & Car Insurance for Teens youcomparequotes 17073
41 Insurance for Cars: It's Your Choice youcomparequotes 17031
40 Car Insurance Quotes Save You Money youcomparequotes 17092
39 Finding & Comparing Auto Insurance Specialists youcomparequotes 17951
38 Safety Features Save Lives & Money youcomparequotes 16844
37 Curbing Auto Insurance Prices youcomparequotes 16390
36 Teen Auto Insurance youcomparequotes 16668
35 Car Insurance: Your Questions Answered youcomparequotes 16593
34 How to Buy Car Insurance youcomparequotes 17359
33 Vehicle Insurance: Covering Any Kind of Car youcomparequotes 16636
32 Truck Insurance for Your Pride & Joy youcomparequotes 16426
31 How Insuring a Used Car Can Save You Money youcomparequotes 17274
30 All-in-One Policies Insure Car & Home Together youcomparequotes 17138
29 Credit Scores & Car Insurance youcomparequotes 17779
28 Classic Car Insurance Protects Your Relic Ride youcomparequotes 16290
27 Reducing SUV Insurance Rates youcomparequotes 16814
26 Good Driver Car Insurance Rewards Safe Driving youcomparequotes 17329
25 How to File an Auto Insurance Claim youcomparequotes 16967
24 Avoiding Deer Collisions While Driving youcomparequotes 17437
23 Cheap Auto Insurance through Safe Driving youcomparequotes 16762
22 Auto Insurance Basics That Save youcomparequotes 17192
21 It's Official - Men Are Terrible Drivers youcomparequotes 18679
20 Car Insurance Quote Saves Money and Stretches Income youcomparequotes 17442
19 Auto Insurance Quote Heavily Dependent on Driver Behavior youcomparequotes 16966
18 Car Insurance Quotes Separate Fact from Fiction youcomparequotes 17224
» How What You Drive Affects Your Auto Insurance Quotes youcomparequotes 16986
16 Cheaper Car Insurance in 8 Easy Steps youcomparequotes 17350
15 Save Hundreds on Your Car Insurance Without Switching to Geico youcomparequotes 16790
14 Your Options in Motorcycle Insurance youcomparequotes 16803
13 The Advantages of RV Insurance youcomparequotes 17189
12 Enjoying the Classics: How to Insure Your Old Relic youcomparequotes 34685
11 Insuring Your Teen Driver youcomparequotes 16951
10 The SR22 & Car Insurance youcomparequotes 16447
9 Auto Insurance & Generic Parts youcomparequotes 17154
8 A Trip Gone Wrong: Summer Breakdown on the Road youcomparequotes 18277
7 Drowsy Drivers, Wake Up! youcomparequotes 16453
6 Cheap Car Insurance Protection You Deserve youcomparequotes 17812
5 Top 8 Safety Picks for Car Insurance Discounts youcomparequotes 17243
4 Drivers: 7 Important Facts about Texting That Could Save Your Life youcomparequotes 21316
3 Buckles: Use Them for Safety, Not for Show youcomparequotes 16760
2 Auto Insurance Quotes youcomparequotes 17220
1 Why You Should Give Thanks -- And Stay Home This Year youcomparequotes 17386
XE Login