If you drive Canada's best-selling truck, a Ford F-Series pickup, you might be paying more for your auto insurance coverage because it's a common target for theft. According to the Insurance Bureau of Canada's (IBC) annual list of the most stolen vehicles in Canada, eight of the 10 are Ford's popular pickup:
- 2015 Lexus GX460 4-door AWD SUV
- 2007 Ford F-350 Super Duty 4WD Pickup
- 2006 Ford F-350 Super Duty 4WD Pickup
- 2005 Ford F-350 Super Duty 4WD Pickup
- 2001 Ford F-350 Super Duty 4WD Pickup
- 2003 Ford F-350 Super Duty 4WD Pickup
- 2004 Ford F-350 Super Duty 4WD Pickup
- 2016 Toyota 4Runner 4-door 4WD SUV
- 2002 Ford F-350 Super Duty 4WD Pickup
- 2006 Ford F-250 Super Duty 4WD Pickup
"We see from this list that criminals continue to favour all-wheel drive and four-wheel drive, older, high-end vehicles," said Dan Service, Acting National Director, Investigative Services, IBC.
When thefts are broken down by region, however, there are some interesting differences in the types of vehicles most likely to be taken. In Alberta, for example, thefts of pickups dominate, while in Ontario and Atlantic Canada thieves are more likely to go for SUVs. In Quebec, thieves target a wide variety of vehicles including pickups, SUVs, and sedans.
|Top 10 stolen vehicles in Alberta|
|1.||2006 Ford F-350 Super Duty 4WD Pickup|
|2.||2005 Ford F-250 Super Duty 4WD Pickup|
|3.||2007 Ford F-350 Super Duty 4WD Pickup|
|4.||2005 Ford F-350 Super Duty 4WD Pickup|
|5.||2006 Ford F-250 Super Duty 4WD Pickup|
|6.||2001 Ford F-350 Super Duty 4WD Pickup|
|7.||2004 Ford F-350 Super Duty 4WD Pickup|
|8.||2003 Ford F-350 Super Duty 4WD Pickup|
|9.||2000 Honda Civic 2-door Hatchback|
|10.||2007 Ford F-250 Super Duty 4WD Pickup|
|Top 10 stolen vehicles in Ontario|
|1.||2016 Toyota 4Runner 4-door 4WD SUV|
|2.||2015 Toyota 4Runner 4-door 4WD SUV|
|3.||2006 Chevrolet/GMC Tahoe/Yukon 4WD SUV|
|4.||2003 Chevrolet Avalanche 1500 2WD Pickup|
|5.||2005 Chevrolet/GMC Tahoe/Yukon 4-door 4WD SUV|
|6.||2006 Chevrolet/GMC Silverado 2500/Sierra 2500 4WD Pickup|
|7.||2003 Hummer H2 4-door AWD SUV|
|8.||2002 Chevrolet/GMC Tahoe/Yukon 4-door 4WD SUV|
|9.||2014 Toyota 4Runner 4-door 4WD SUV|
|10.||2005 Buick/Chevrolet/GMC Rainier/Trailblazer/Envoy 4-door 2WD SUV|
|Top 10 stolen vehicles in Quebec|
|1.||2016 Toyota 4Runner 4-door 4WD SUV|
|2.||2015 Toyota Tundra 4WD Pickup|
|3.||2015 Toyota 4Runner 4-door SUV|
|4.||2009 BMW 328i Cabriolet|
|5.||2015 Infiniti QX70 4-door|
|6.||2003 Ford F-250 Super Duty 4WD Pickup|
|7.||2006 Ford F-250 Super Duty 4WD Pickup|
|8.||2002 Subaru Impreza 4-door|
|9.||2016 Toyota Tundra 4WD Pickup|
|10.||2016 Jeep Wrangler Unlimited SUV|
|Top 10 stolen vehicles in Atlantic Canada|
|1.||2012 Mitsubishi Lancer 4-door AWD|
|2.||2003 Dodge Ram 2500 4WD Pickup|
|3.||2002 Ford/Mercury Explorer/Mountaineer 4-door 4WD SUV|
|4.||2000 Volkswagen Jetta 4-door|
|5.||2006 Jeep Wrangler 4WD SUV|
|6.||2009 Jeep Compass 4-door 2WD SUV|
|7.||2009 Jeep Patriot 4-door 2WD SUV|
|8.||2008 Nissan Titan 4WD Pickup|
|9.||2004 Ford F-350 Super Duty 4WD Pickup|
|10.||2005 Honda Element 4-door 4WD SUV|
About vehicle theft in Canada
Cars are stolen for many reasons, says the IBC. Once stolen, vehicles may be shipped overseas for resale, scrapped for parts, or used to commit another crime. It's also likely far more common than you may realize: there were about 79,000 reported vehicle thefts last year, according to Statistics Canada, representing a 1 per cent decrease from the previous year. Despite the decrease in auto thefts in Canada, roughly 216 vehicles are stolen a day, or one every seven minutes.
As a result, the IBC encourages drivers to be vigilant about deterring car thieves and recommends that you protect your vehicle by following these tips:
- Never leave your vehicle running when unattended.
- Park in well-lit areas.
- When parking your car, always close the windows and lock the doors.
- Put valuables and packages in the trunk, where they're out of sight.
- Keep your car in the garage at night.
Also, to minimize the risk of identity theft, don't leave personal information in your glove box; take your insurance and ownership documents with you anytime you park your vehicle.
What does vehicle theft have to do with your car insurance premiums?
Coverage for theft is included under the 'comprehensive' or 'specified perils' part of your auto insurance policy. It's an optional coverage and if it's included on your policy, part of determining your premium requires the insurer to assess the likelihood your car will be stolen. This includes a review of theft rates in your region and how likely thieves are to target your vehicle. However, each insurer's assessment will differ because they will also take into account their own claims experience. As a result, your premiums with one insurer may be considerably different than with another, which is why it's important to shop around for the best car insurance price as no two insurers are alike.