District 1 has the highest automobile insurance in the country! Resulting in being a serious financial strain on Detroiters. Auto-theft is one of the reasons why Detroit insurance is so high. Car thefts risen 8,500 last year and about 15.6 stolen vehicles per day. By implementing the Bait Car Program, it will deter auto theft and essentially lower the cost of automobile insurance throughout the district and the city. Automobile insurance companies have many contributing factors on how your premiums are rated. State Farm which is the largest insurance company in Michigan has seven factors that determines how much you pay.  First one is policy and deductibles, what you drive, how often you drive, driving record, credit history, demographic and lastly where you live. Where you live is prorated based on vandalism, crashes and theft. That is why it is common that urban drivers pay higher premiums than suburban drivers. Because auto-theft usually comes from a small contingent of criminals, the Bait Car Program is highly effective. 

The Bait Car Program has already been proven to be effective in other cities throughout the country in reducing auto-theft by 71 percent.