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Theft and Ratings guides
Catalytic converter theft and your insuranceWhy thieves target catalytic converters, how comprehensive coverage pays for a stolen one, the deductible math, and how to make your car a harder target.IIHS and HLDI insurance loss data: what it shows about carsHow HLDI's insurance loss results work, what the 100-based scale and color ratings mean, and how to use them to compare cars before you buy.The Kia and Hyundai theft wave and insuranceWhy many 2011-22 Kias and Hyundais were easy to steal, how insurers responded, and what the software fix, class settlement and 2025 state deal provide.The most stolen cars in AmericaNICB's list of the most stolen vehicles in 2025, how it differs from HLDI's theft-rate rankings, and what owning a high-theft car means for your insurance.Safety feature and anti-theft discountsWhich airbags, brakes, crash-avoidance systems and anti-theft devices earn insurance discounts, which coverages they cut, and when an add-on device pays off.Vehicle safety ratings and insurance costsWhat IIHS and NHTSA crash ratings measure, how safety shows up in the injury and liability parts of your premium, and why safe does not always mean cheap.What to do if your car is stolenThe steps to take in the first hours after a car theft, how a comprehensive theft claim is settled, and what happens if the car turns up later.