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Deter Auto Theft And Lower Your Insurance Premiums In The Process







Individuals buy car insurance to protect themselves against loss, including liability, comprehensive coverage and collision, as well as to protect against auto theft. Even the cheapest auto insurance offers well-rounded coverage protecting consumers. Factors determining premium costs are many and typically include one's driving record, vehicle value and replacement costs and geography. For example, customers purchasing car insurance in NJ may find themselves paying higher rates in urban areas than those in less populated rural areas. This is due in part to traffic volume and documented crime rate differences.

When it comes to reducing your risk against car theft, whether your vehicle is in a high-risk category or not, it is important to get the most affordable and cheapest auto insurance while obtaining adequate coverage. Adequate insurance is one element in a two-pronged strategy however. A second strategy lies in taking steps to deter thieves from attempting to steal your car in the first place. Some anti-theft devices and techniques can even lower your insurance premiums in the process.

Resourceful Thieves

For years, thieves have been stealing Hondas and Toyotas manufactured in the 1990's. These makes/models remain at risk to this day because of their parts value, with criminals making more money chopping and selling valuable parts then reselling the car whole. In fact, the most frequently stolen cars in 2011 were the 1994 Honda Accord and 1998 Honda Civic, with the 1991 Toyota Camry not far behind.

Yet, even new cars have become increasingly more vulnerable to car thieves who have found ways to circumvent more sophisticated key code technology, according to the insurance/consumer advocacy group, NICB. How are criminals outsmarting the technology that was designed to prevent their access? They get key codes for specific vehicles and make replacement keys. Remarkably, the 2006 Ford pickup was the third most frequently stolen vehicle last year, with Chevrolet and Dodge pickups also frequent targets.

Resourceful Consumers

So how can individuals buy the most reliable yet cheapest auto insurance while better protecting themselves against car theft in the process? According to the NICB and many quality insurance carriers, the suggestions below can reduce auto theft and save you money on premiums:

The Club or Claw- Car thieves are looking for a quick grab. The more time it takes and harder it is to get into your car and start it, the less likely it is your car will be stolen. 'The Club' (around $50) that is installed to prevent steering wheels from moving is a strong deterrent, as is 'The Claw' (around $80), which prevents one wheel from moving.

Car Alarms- New model vehicles may come with them as standard features. For older models, you can get a car alarm installed for about $200 to $300. If a thief tries to open a door without a key, the alarm is set off.

Tracking Devices- Newer and higher risk vehicles can certainly benefit from having a tracking device like the Lo-jack installed for around $700. When the Lo-jack gets activated, law enforcement can track your car and often retrieve it before it can be chopped or resold.

While none of these anti-theft modes will necessarily prevent a car from being stolen, they can go a long way in deterring criminals. Plus, they typically offer additional savings on insurance rates as well.


About Author John V :

Visit us at https://www.ifaauto.com and let us provide you with the cheapest auto insurance at a low price, without all the hassle.


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Article Added on Tuesday, June 11, 2013
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