insurance for new car and burnt car(campus girl hot)

A man wanted to buy some insurance for his car, so he went to the insurance company and asked for the list of coverage.

First, there was anti-fire, which has a $200 premium.
Then, there was anti-theft, which had a $150 premium.
At the end, he noticed that there was an anti-fire and anti theft policy for only $50! He asked the receptionist, ‘Why in the world do you price the policy for two problems less than that for one problem?’
The receptionist replied ‘Simple Sir. Because nobody steals a burnt car!’
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