Florida does not top the list for the most auto thefts in the US, but if you're driving a vehicle that is frequently targeted by auto thieves, you want to know. This knowledge can protect you and your car. 

The best way to protect yourself is with car insurance, which a Florida independent insurance agent can help you purchase. Keep reading to see if your vehicle is on the list of the ten most stolen cars in Florida.

What Makes Some Cars Bigger Targets Than Others?

The biggest attraction for car thieves is vehicles that have valuable parts that could be sold for a large payout. This makes popular vehicles whose parts are more valuable or vehicles that have been customized a bigger target than other cars.

Florida's 10 most stolen cars

Thieves are also looking to steal vehicles for the sole purpose of reselling them, but typically they can make more money breaking down a vehicle and selling the parts than selling the vehicle as a whole.

What Other Things Are Car Thieves Looking For?

While parts are the biggest attraction to thieves, they also pay attention to how easily they can steal a vehicle. This comes down to things that you, the driver, can do to make your car less desirable if a thief is on the lookout.

5 ways to keep your car from getting stolen

1. Never leave your ignition running unattended.
2. Always lock your doors.
3. Install anti-theft systems.
4. Always park your car in well-lit areas.
5. Purchase the proper car insurance.

If you drive one of the 10 cars most commonly stolen in Florida, it's extra-important to take these safety precautions.

Is My Car Insured If It's Stolen in Florida?

Fortunately, car insurance will cover a stolen vehicle, but only if you have comprehensive auto insurance. This insurance, also known as "other than collision" coverage, is an add-on policy that you can purchase.

In Florida, other than collision is not required by law for drivers. This means you need to work with your independent agent to make sure it's added to your policy. If your vehicle is stolen, other than collision will pay to replace your car up to the vehicle's current value.

Does It Cost More to Insure a Car That Is Commonly Stolen?

The average driver pays $1,742 a year for car insurance in Florida. If you're driving one of the ten most commonly stolen cars, your rates may be a little higher, but not always. 

There are other factors that impact your car insurance rates more than its likelihood of being stolen. These include:

• Value of your vehicle
• Safety features installed
• Your driving history
• Your gender
• Your age

If there is an upcharge in your coverage because of possible theft, your agent can discuss possible car insurance discounts to help keep your coverage affordable. 

How Much Coverage Do I Need to Make Sure I'm Fully Covered against Auto Theft?

The policy limits of your comprehensive car insurance policy will be based on the value of your vehicle. If your car is worth $20,000 and is stolen, you'll receive coverage for the current value of your vehicle. 

You will be responsible for a deductible, which you determine when you purchase your policy. Typically, higher deductibles result in lower insurance premiums. If you would rather pay a higher premium, opt for the lower deductible. 

What Happens If My Vehicle Is Recovered in Florida?

If your car is stolen and then recovered, you will only need your insurance if there is physical damage to the vehicle.

Physical damage is covered under your standard auto insurance. As soon as your vehicle goes missing, you should notify your auto insurance carrier through your independent agent. Should the car be returned with damage, your agent can walk you through filing a claim.

How a Florida independent Insurance Agent Can Help

A stolen car can leave you without transportation and out a lot of money. It's critical to insure your vehicle with the proper car insurance so that your are covered if it's stolen.

A Florida independent insurance agent will speak with you, free of charge, to learn about your vehicle and insurance needs. They'll shop multiple quotes and provide you with options that include comprehensive coverage and everything else you need in a policy. An agent is your auto insurance expert from shopping through purchase and if you have to file a claim.