A growing teenage population plus more cars on the road may add up to higher insurance premiums for everyone. The number of teenagers on the road is expected to dramatically increase over the next 10 years. Among drivers, teenagers have the worst accident rate: they're nearly five time as likely to crash as drivers over age 55. They also pay twice as much for insurance as drivers 25 or older-and those rates are typically for unblemished records. So far, the rise in premiums has been minimal, thanks to safer cars and fewer younger drivers. Annual rate hikes have held steady at two percent, compared with the double-digit increases of a decade ago. But if accident rates rise significantly, insurance rates will follow.

A car is stolen every 20 seconds, according to the National Insurance Crime Bureau (NCIB). Unfortunately, the chances are slim that the car will be recovered in one piece.

Below are the top 10 cars reported stolen in 1996:
1.  Honda Accord
2.  Oldsmobile Cutlass Supreme
3.  Toyota Camry
4.  Honda Civic
5.  Ford Mustang
6.  Chevrolet Full Size Pickup
7.  Toyota Corolla
8.  Cadillac Deville
9.  Chevrolet Caprice
10. Jeep Cherokee
Source: National Insurance Crime Bureau