Model matters
A popular model's theft experience and cost of replacing it can affect quotes even if a different car has the same sale price. Use the Insurance Bureau of Canada's model-level claims information as background, then get quotes on the exact vehicle. A body-style calculator cannot tell you a particular model's theft ranking.
Check protection and terms
Ask whether theft is covered under your selected damage coverage, what deductible applies and whether any security device or discount has conditions. Park securely and keep keys protected, but do not assume a single device guarantees a lower premium or prevents theft.
Two similar purchase prices
Suppose two used vehicles cost about the same. Their theft and repair claims may still be different. Check model-level loss information, request quotes for both and ask if theft coverage has a special deductible or device condition. Do not select a model based solely on a generic “SUV” or “sedan” estimate.
Quick check
- Compare model quotes
- Confirm theft coverage
- Ask about security-device terms
General educational content, reviewed September 28, 2026. Rules, availability and policy wording can change. Confirm current details with the linked authority or a licensed insurer or broker.