[Scoundreller]

In an efficient market anyway, and auto insurance definitely isn't where I am!

Theft premium stays the same, even though replacement cost has gone down and it's less valuable as a target. You'd think other cars becoming safer on average would decrease the risk of getting into accidents at their fault and at my fault, but the comprehensive premium stays the same on a now older car.

I find it hard to believe that auto thieves somehow avoid the equally dense town 1hr down the highway.