Modesto, Calif., has the worst car-theft rate in the country, according to a new National Insurance Crime Bureau report. The city topped the list for the fifth time in six years, with 4,235 cars stolen in 2008. "California traditionally has the most thefts in the country every year, by far," says NICB spokesman Frank Scafidi. "There are just more of everything here. There're more cars here, there're more people here, there're more bad guys here, more bad gals here -- and the cars last longer, [because] the weather here is not as severe as other places, so those are all factors that add to that bad result."

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