vs.

Lock up your GMs! Seem as if criminals have it out for you this year. Between Cadillacs and Hummers, GM hold 4 of the top 8 spots on this list. In fact, if you have any large American car, you might want to think about building a small shed to house it.

Car: Claims Per 1,000/Average Loss Payment Per Claim

10. Honda S2000 Convertible: 8.1/$13,624
9. 2005-2007 Dodge Durango: 8.1/$9,682
8. 2005-2007 Hummer H2: 8.7/$18,791
7. 2005-2007 Dodge Magnum: 9.9/$8,926
6. 2005-2007 Hummer H2 SUT: 10.0/$23,771
5. 2005-2007 Ford F-350 SuperCrew: 10.7/$20,138
4. 2006-2007 Dodge Charger: 11/$7,047
3. 2007 Cadillac Escalade: 11.3/$14,657
2. 2005-2007 Ford F-250 SuperCrew: 13.1/$19,250
1. 2007 Cadillac Escalade ESV: 15.0/$13,060

For the same reason American car makers love to sell large SUVs and truck, thieves are seeking these behemoths out. They are large, cheap ways to get a nice car that will allow you to put expensive stereos, large rims and other accessories on that are easy to steal and resell without too much worry. Dropping 24s on your Hummer may say, “You’re ballin’” to your friends, but it says, “Come steal me” to every car criminal out there.

On the other hand, should be you be looking for the most inconspicuous (boring) cars on the road to protect your insurance premiums and pimped car stereos, you might want to check out the list below. To be honest, not all of them are boring or lame. Some of them just have excellent security systems and car-jackers know that it’s not worth the time to steal the car or there will be no way to re-sell the expensive parts off the car. As you can see, most of the cars are people carriers though with a preponderance of SUVs. The interesting thing is that whereas some of the cars are rather popular (Ford Focus, VW Beetle, Toyota Prius) some of the cars are the most obscure models available (Buick Terraza, Saturn Relay).

10. 2005-2007 Ford Freestyle
9. 2005-2007 Saturn Relay
8. 2005-2007 Toyota Prius
7. 2005-2007 Volvo V70
6. 2005-2007 Ford Focus
5. 2005-2007 Volkswagen (New) Beetle
4. 2005-2007 Buick Terraza
3. 2005-2007 Subaru Forrester
2. 2005-2007 Buick Rainier
1. 2005-2007 Mercedes-Benz E-Class

Source: Highway Safety and Highway Loss Data Institute

On more than a few occasions, numerous people recently have accused Detroit of building cars Americans don’t want. People are blaming Detroit’s choice in car production for their desperate position.

Bullocks!

There are many reasons the Detroit Big-Three are failing. However, they have build exactly what Americans WANT. Note the word choice. WANT. Americans have a love affair with large trucks and fast cars. Cars like the Ford F-150, the Ford Mustang, Cadillac Escalade and Chevrolet Corvette are the American cars people WANT. They are stylish, reliable, fast and are enjoyable cars to be in. In the past 15 years the American car companies have realized they need to compete on a reliability level with Japanese automakers becuase that’s what American’s started to value in a way they never had before. However, as gas prices started to rise and the economy started to take a nose-dive, Ford, Chevy and Dodge started to build cars like the Chevy Cobalt and Ford Fusion hybrid get over 30MPH and are as reliable as their Japanese counterparts. Even their styling is starting to come along. So, why is GM, Ford and Chrysler are in such dire straits?

The simple answer is labor unions and the huge liability of unions and their pensioning system. Almost $1500 from every car goes to pay for liabilities for employees that no longer produce cars. The complex answer has to do with generally poor judgement about labor contracts and leveraging credit beyond what was reasonable for an auto manufacturer. Poor mangement decisions from a group of people who thought the car business could continue this unlimited growth have put the companies in a bad position. So, what do you think? Do American car companies make cars people want? Am I totally wrong?

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