Car insurance

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

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 a anti-fire and anti-theft policy for only $50!

So, he asked the receptionist, 'Why in the world do you price the policy for two problems less than that for one problem?'

So, the receptionist replied, 'Because nobody steals a burnt car.'