Almost every state has laws stating that people have auto insurance, but the actual regulations regarding auto insurance vary from state to state - so the type of coverage that you require depends on the state in which you live in.

Even if there are no laws, it is highly recommended that you have some form of cover; otherwise you may end up paying out huge amounts of money in the event of an accident, or even losing your home, in a worst-case scenario.

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Stolen Cars and Insurance Rates in Texas

Stolen cars are not a new idea. Thieves have been stealing cars in Texas for decades. These thieves don't just steal any cars - they are, of course, looking for cars that either have extra value for one reason or another and can net as much money as possible for the entire car or for parts.

There is a "Most Stolen Car" list as well, that many people are not aware of. The most stolen cars are on this list, and if your car is one of those types of cars on the list you could be paying more money for your car insurance. Of course, there are many factors that are taken into consideration when determining insurance rates, however if your car is likely to be stolen - at least more likely than the ordinary car - your rates could be higher than normal.

In the event that you are thinking about purchasing a car - or if you already have a car - we have a list below of the top ten most stolen cars from 2007. If you happen to have one of these model cars, it's not necessary for you to run out and get rid of it. If you have a garage, park the car inside it at night. Get a good car alarm - this automatically gives you a discount for your insurance on any car - and be aware of individuals around your neighborhood, especially if they are not usually there, don't live there, and/or just hanging around. Keep your car doors locked.

Park in a well-lit area (or in the garage as we already said). Don't leave your keys in the car - especially in the ignition. Don't leave anything of value in the car that would entice a thief to try to break in. Use a steering wheel lock or an electronic immobilizer (many newer cars come with these now). Install a "Low Jack" or other device. Get good insurance so that if the car is stolen you can replace it.

10 Most Stolen Cars in 2007

  1. 1995 Honda Civic
  2. 1991 Honda Accord
  3. 1989 Toyota Camry
  4. 1997 Ford F-150 Series Pickup
  5. 1994 Chevrolet C/K 1500 Pickup
  6. 1994 Acura Integra
  7. 2004 Dodge Ram Pickup
  8. 1994 Nissan Sentra
  9. 1988 Toyota Pickup
  10. 2007 Toyota Corolla

Source: National Insurance Crime Bureau (NICB) 2008

Even if your car is on the list - or even if it is not - it may or may not ever be stolen. No matter what type of car you drive the best thing is to do all you can to protect it and stay aware of things you can do to keep your car safe.

Car Insurance Q & A

Question: If someone borrows my car and crashes it, does my insurance apply, or does theirs?
Answer: Generally speaking, the liability follows the car, so your insurance would apply, as it is your car. The liability insurance of the driver often pays the additional amount if the costs payable are above your policy limits.

Question: If a child goes to college with mom or dad’s car, are they covered under the parents’ personal auto policy?
Answer: This can vary from company to company. Check with the insurance provider and make sure that the child is listed as an additional driver. Do this before the child goes to college, and it will avoid unnecessary disputes later on.

Question: Do I need ‘gap’ insurance?
Answer: If your vehicle is on finance, and its value is now less than the amount you owe, then yes you need gap insurance. If you owe less than its value, then no, you do not need gap insurance.