The National Insurance Crime Bureau has determined the vehicle make, model and year most reported stolen in 2010. Did your car make the list?

Most Stolen Vehicles in the US in 2010

1. 1994 Honda Accord
2. 1995 Honda Civic
3. 1991 Toyota Camry
4. 1999 Chevrolet Pickup (Full Size)
5. 1997 Ford F150 Series/Pickup
6. 2004 Dodge Ram
7. 2000 Dodge Caravan
8. 1994 Acura Integra
9. 2002 Ford Explorer
10. 1999 Ford Taurus

Why would thieves target older cars? The NICB says that certain models of older cars and trucks are popular because of the value of their parts. Newer, more expensive and insured vehicles are often stolen to be resold intact with counterfeit VIN’s or shipped out of the U.S.

Overall, vehicle thefts are on the decline. Preliminary FBI crime statistics for 2010 are down 7.2% from 2009. If these stats hold through the year, 2010 will post the fewest vehicle thefts since 1967.

Improved technology is one reason for lower theft rates. Nearly 52,000 Honda Accords were stolen in 2010 and over 44,000 were models made in the 1990s.

Does insurance protect me if my car is stolen?

To be covered for theft, you must carry comprehensive coverage on your auto policy. Comprehensive coverage covers damage caused to your vehicle by an “act of God”, such as fire, theft, vandalism, hail, etc.

Your insurance company may deny your claim if you do not take reasonable care to secure your vehicle or if you don’t report the theft to law enforcement right away.

What if something is stolen from my car?

Property theft is NOT covered under most car insurance policies. “Theft” under the comprehensive coverage of your auto policy refers to theft of the vehicle. Items stolen from your car are generally covered under your homeowners or renters policy. Check your coverage details to make sure you’re covered.

Minimize the Chances of Your Car Being Stolen

• Always lock your doors, no matter how long you’ll be away from it.
• Don’t hide an extra key on your vehicle.
• Park in well-lit and secure areas.
• Don’t leave valuables in your car; this could make it an attractive target.
• Consider investing in a vehicle tracking device.
• If possible, turn wheels sharply toward the curb when parking. This makes it difficult for thieves to tow your car.

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Information from Insurance Journal