Play with Insurance Statistics

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The NICB has compiled a list of the 10 vehicles most frequently reported stolen in the U.S. in 2004.

10 most-stolen vehicles

Follow the link to see the list. Then, there is a drop-down menu to see your state's most stolen conveyances!!! Interesting to see the regional differences.

It's a State Farm Insurance site so the following is based upon that firm's data and applications but since statistical analysis is utilized I, the Mighty Obbop, will venture to declare that results may be applicable to an extent industry-wide.

Various Indexes

This page allows thee to see data about your vehicle. Included is:

Damage and Theft Index Vehicle Safety Discount
liability rating indexes

This data is for 2003-2006 makes and models. From past experience the info given doesn't change much over the years when applied to new or newer vehicles.

Looking for a safer vehicle? Peek at the Vehicle Safety Discount (VSD) The higher the percentage the less State Farm has had to pay out in medical costs for those driving those vehicles. Of course, one must consider the owners of the various vehicles. A LARGE Dodge B3500 van....well, is the driver of said vehicle more likely to be an employee of a firm who drives a wee more carefully on the job? Maybe those van drivers tend to be a little older, more experienced, less likely to drive wildly? The INTREPID
appears to be a more "dangerous" vehicle but is it due to the people who tend to drive that car? I, the Mighty Obbop, will leave it up to thee to decide.

For those pondering purchasing a new vehicle, may find this data, or the same date from your insurance firm, either intersting or helpful or, perhaps, incredibly annoying and a horrendous waste of bandwidth.

I, the Mighty Obbop, when shopping for a conveyance in 2004, wandered into my insurance agents office to ascertain which vehicles cost less to insure. The Chevy/Ford pick-ups cost less to insure; both liability and comprehensive insurance, than did the Toyota trucks. Despite my leaning towards Toyota the long-term insurance savings with the "American" trucks helped sway me to Chevy, though the insurance savings was definitely not the only reason.

Okay, enough blathering by the Mighty Obbop. Have fun with the data if that is whatcha' do. If you know of anuddah' site offering this type of data I would be interested in comparing the data from various insurance firms.

/blathering mode off
 
Funny, my saab 9-3 has a standard premium and a 40% VSD - thats as high a safety premium as one can have. I just checked the toyota matrix, which a friend just bought, and it is premium level 'E', significantly higher premium, with 0% safety discount.

cripes! is the matrix that much poorer than the 9-3 safety and design wise, to get it a 0% VSD? Are their typical drivers (usually middle age to older folks around here) that unsafe in their driving habits that actuarily, they require to be charged higher premiums?!?

Insurance is a huge scam anyway.

JMH
 
It is interesting that, of the Volvos, the convertible (C70) has the highest VSD (vehicle safety discount) with 40%.

This has been addressed in other articles. It's surmised that convertible drivers tend to drive more safely (and are perhaps older). I've owned and driven convertibles nearly my whole life. I always kept telling myself, "I can't afford to flip this car over!"
 
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