If you live in an area where high crime is a problem, especially auto theft, your insurance rates may reflect that fact. Insurance premiums are affected by location and can cost more in some areas of the country than in others. One way you can reduce the impact is by installing anti-theft devices to deter criminals from selecting your car.
BEST THEFT PREVENTION DEVICES
One of the best devices you can purchase to protect your car from theft is the steering-wheel lock. This product goes over the wheel and locks it into place so that it cannot move. It is an affordable way to prevent thieves from stealing your car.
A kill switch disables portions of the vehicle’s electrical system. Some of the newer models already have this feature built into the car’s system. Even for those that don’t have it, it is relatively easy to install. However, you will need to check with your car’s warranty to ensure you are not voiding it.
Hood locks also protect your car from having parts stolen for sale. Tire locks provide the same protection for your wheels. However, they can be a nuisance to dismantle if you use your car every day. Alarms are always a good option since they draw attention from people in the area. You may want to combine them with a hood lock to prevent the thief from unplugging the alarm from the battery.
A vehicle tracking system won’t prevent your car from getting stolen but it will let you know where it is so that law enforcement can find it and return it. OnStar is perhaps the best known of these systems and can alert the police to the car’s whereabouts. LoJack is another company that works with law enforcement to protect your car. It activates once the car has been reported as stolen and increases the likelihood that your car will be found while still in one piece.
All of these devices can lower the prices on your auto insurance quotes. Mention them to your insurance agent or list them when obtaining online quotes.
While it may not make much difference with your online auto insurance quotes, using common sense is the best deterrent from theft. Be aware of where you park and always lock your car. When you park in a public place, find a spot close to parking lot lights to deter thieves. Never leave anything of value in plain sight in your car. Do not leave your car running even in your driveway as this makes it easy for a thief to jump in and take off with your car.
Theft prevention devices can cost money, but they can save you in the long run if it prevents a thief from picking your car. They may also lower your insurance premiums and pay for themselves quickly.