Street Racing Cars For Sale

Now that the cops in the US and Canada have license plate recognition software that instantly identifies stolen cars http://justacarguy.blogspot.com/2011/03/automatic-license-plate-recognition.html

And now that LoJack has a 90% return success rate http://www.lojack.com/why/pages/theft-facts.aspx plus the chop shops and car theft organizations shut down because LoJack claims to have led cops to the stolen cars... well, good.

So with all this focus and recovery on stolen cars, car insurance payouts would logically be less, and if they pay out less, they would logically be charging us less. But they aren't

Hagerty's is a really cool car insurance company, this was part of their newsletter. Click on it to make it full size and easier to see what the various colored lines represent, and what cars comprise the group that the blue line that is out outperforming the stock market

The most stolen vehicles:

1. 1994 Honda Accord
2. 1995 Honda Civic
3. 1991 Toyota Camry
4. 1997 Ford F-150 Pickup
5. 2004 Dodge Ram Pickup
6. 2000 Dodge Caravan
7. 1994 Chevrolet pickup (full size)
8. 1994 Acura Integra
9. 2002 Ford Explorer
10. 2009 Toyota Corolla
Source: NICB, based on car thefts in 2009

Older cars tend to be popular targets. In addition to supplying in-demand parts, these older cars are:

•Easier to steal. Car manufacturers in recent years have added many theft deterrents that older models don't have.
•Not as likely to have after-market security devices, such as warning, tracking and disabling devices.

Metropolitan areas with the highest vehicle theft rates

1. Laredo, Texas
2. Modesto, Calif.
3. Bakersfield, Calif.
4. Stockton, Calif.
5. Fresno, Calif.
6. Yakima, Wash.
7. San Francisco/Oakland/Fremont, Calif.
8. Visalia/Porterville, Calif.
9. Las Vegas/Paradise, Nev.
10. Albuquerque, NM

Source: NICB, based on car thefts in 2009

Read the whole article to be better informed about car theft:
http://www.insure.com/car-insurance/most-stolen-cars-2010.html

"Car insurance companies will offer somewhat lower rates to their customers simply by driving a car that will cost less to fix if it gets in an accident." http://www.cheapcarinsurance.net/car-insurance-rates-and-damage-susceptibility/

Makes sense! I never thought of it that way, since so much of my insurance is based on age, and location... I wonder how much of my 65 a month is based on what the car stats are for repairs?

"In setting insurance premiums, insurance companies mainly rely on factors that are not directly related to the vehicle itself (except for its value). They mainly consider driver characteristics (such as age, gender, marital status, and driving record), the geographic area in which the vehicle is driven, how many miles are traveled, and how the vehicle is used."
http://www.cheapcarinsurance.net/car-insurance-rates-and-damage-susceptibility-alt/

Ok, those two excerpts seem to conflict a little...

"However, some companies adjust their premiums for personal injury protection and medical payment coverage if the insured vehicle has features that are likely to improve its crashworthiness, or ability to protect occupants from injury or death, such as air bags. " http://www.cheapcarinsurance.net/car-insurance-rates-and-damage-susceptibility-alt/

Ah HA! I was right

For the stats on vehicles, so you can base a car purchase on what your insurance company is likely to charge relative to other purchases...
The luxury "large", and "very large" have the highest "Relative Average Loss Payment Per Insured Vehicle Year" usually twice to three times the ordinary cars

Lotus Elize : 435
Maserati Quattroporte 4dr : 429
BMW M5 4dr : 317
Nissan 350Z : 217

Dodge Caravan : 68
Saturn Outlook 4dr : 33
Jeep Wrangler 4dr : 33
GMC Acadia 4dr 4WD : 30

So boring cars are less paid out than exciting cars... logically.
Thanks to Scott at http://www.cheapcarinsurance.net/

https://shop.hagerty.com/s-9-hagertys-magazine.aspx

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Thanks to Neilson Hall for bringing this up!

http://hagertyblogs.com/scottsdale2008/2008/01/sneak_peek_hagertys_new_commer_1.html

Or go for all the Hagerty commercials... http://www.youtube.com/profile_videos?user=HagertyKnowsClassics all 23 of them. Short, amusing, car guy stuff!

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Under the Sydney Harbour Bridge. Paradise.

First problem, it only works for GM drivers who have the Onstar system. Well, since I just read this... I guess that's not much of a problem if you have a new GM, of course it still won't apply to the millions of us who don't have a "new" GM.

"GM wants people to start buying its cars specifically because they come with the service. By the end of this year, 95-percent of GM cars sold in the US and Canada will have OnStar standard. The first year of service is free, and the hope is that by the end of 12 months the customer will find it indispensable. In case that isn't enough, in addition to the word-of-mouth advertising by 80 million people who have already been assisted by OnStar, GM is providing dealers with more training and increase its marketing of the service, noted primarily by moving Tiger Woods from the Buick campaign to OnStar." http://www.autoblog.com/2007/07/15/onstar-proliferation-at-gm/

Second problem, this is just a plan to hold GM customers, without giving them a fair deal on their insurance. Fair would be charging per mile, regardless of all other factors. Insurance only takes care of you when you are driving your vehicle, so why charge a flat rate that has no connection to how or if you drive at all? Most musclecars are just weekenders and car shows, but we're going to pay flat annual insurance premiums regardless.


With the subscriber's permission, the odometer reading from his or her monthly OnStar Vehicle Diagnostics email is forwarded to GMAC Insurance. Based on those readings, the company will decrease their premiums using discount tiers corresponding to miles driven.

The plan is to allow subscribers to GM's OnStar system to submit their mileage, and if its less than the 15,000 miles specified in the year-long contract, a discount will be dolled out.

The breakdown will allow drivers who travel between 12,001 and 15,000 miles a year to get a 13-percent reduction, while drivers who clock under 2,500 miles will get a discount of 54-percent.

In fact, all OnStar customers receive a discount for simply having an active OnStar subscription.

Really? I haven't been asked by my insurance agent if I have Onstar... have you?

http://www.autoblog.com/2007/07/17/gmac-offers-mileage-based-insurance-through-onstar/

I like the idea of gouging customers less, but when the idea of pay at the pump for insurance is explained to you, nothing else will ever seem fair.

http://moneycentral.msn.com/marketplace/home.aspx?iMarketID=8