Free Articles  >>  Online Business >>  Page 294  >> 

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 and let us provide you with the cheapest auto insurance at a low price, without all the hassle.

Article Source:
Article Url:

Article Added on Tuesday, June 11, 2013
Other Articles by John V

Are Married Couples Entitled To Lower Auto Insurance Premiums
When getting married, there are many things that change for the new couple. An often overlooked category that could save you money once you are married is your auto insurance. Insurance companies in New Jersey advise you to ask your carrier if you qualify for lower premiums once married. Even if you don't, it's important to understand why. There may be reasons that can be ameliorated over time, allowing you to obtain cheap car insurance in the future after problems are been resolved....

Cheap Auto Insurance Online Is The Best Option
There are many ways to obtain cheap auto insurance online. One of the best ways is to look for companies that offer numerous discount categories. Discount categories offering rate reductions for hybrid cars, good drivers, seniors, good students and anti-theft devices can save consumers a bundle. But there are other categories that may offer significant savings on your premium, car rental reimbursements, even collision and comprehensive coverage. What is car rental reimbursement anyway? Car...

What Is At Risk With Peer To Peer Car Rentals
Peer-to-Peer car rentals (or car-sharing) has received a lot of attention lately from auto insurance companies. Companies like RelayRides, Wheelz, Getaround and JustShareit offer a compelling and civic-minded alternative for people with idle cars who want to rent them out to people who need one for a day or just a few hours. This easy and convenient system sounds eco-friendly and civic-minded, although it doesn't come without risks. Before you sign up, check with your car insurance, because...

Tips On How To Get Low Cost Car Insurance
Everyone knows you have to carry car insurance. Most states mandate it, as well as all lien holders financing your vehicle. Even if these two reasons don't apply in your particular case, it only makes sense to protect yourself from damages and liabilities. Searching for low cost car insurance and deductions you qualify for is essential when shopping for car insurance. But savvy car insurance buyers can save even more when identifying still other elements that may seem less obvious initially....

Auto Insurance Remains Competitive
A remarkable new study conducted by J.D. Power and Associates reveals customers are more satisfied than they have ever been with their car insurance, including policy holders of Cheap Auto Insurance. While the study measured several factors (including customer interaction, price, policy offerings, bill and payment plans and claims), primary customer satisfaction rose in policy and payment options. What's more, it seems that even in the face of rate hikes, when customers were given advance...

The Hidden Price You Pay For A Traffic Ticket
It is more common than not, to receive a traffic ticket at some point in your driving career. Sometimes they may be for minor infractions with a ticket price not being too steep. Other times, your ticket price can give you sticker shock, costing hundreds of dollars, if your violation has been major. Whichever the case, insurance companies will tell you, the cost of your ticket is hardly the only price you'll pay. Even policyholders from Cheap Car Insurance providers will likely see an...

14 Costliest Violations Affecting Your Premiums
Like any other state, NJ Car Insurance premiums go up when you have had a moving violation. When you are mandated by state law, points are attached to each infraction, which result in your premium hike. The dollar amount or percentage of premium increase is calculated based on a company's risk factors, which are multiple. Even if you are shopping for new car insurance in NJ your driving record follows you and a new company will likely factor in a surcharge for any and all moving violations...

How To Shop For The Cheapest Car Insurance
If you are in the market for a new or used car and are a first time buyer, there are some basics you need to know about the quoting process. While you will likely want to save money on the cheapest car insurance, you will also want to get the best coverage that protects you against loss or damage to your new car. Whether you are looking to buy local auto insurance or drive in another state, below are some tips that can prove helpful in your insurance selection process. When do I begin quote...

Why Your Low Cost Auto Insurance Should Include UM UIM Coverage
While it is understandable to look for every type of savings possible when selecting low cost auto insurance, there is one coverage that should never be compromised - uninsured and underinsured motorist (UM/UIM) coverage. It is the law in most states for drivers to be insured, and while this is equally true for vehicle owners to carry car insurance, during hard economic times, people can default on insurance payments or underinsure themselves to cut expenses. It is essential you carry UM/UIM...

Confusing 1099 K Instructions and Other Self Employed Problems
The joy of joining the ranks of the self-employed lasts a long time, but it quickly loses some of its luster in the face of the self employed tax, potentially dealing with 1099-K instructions, unexpected frustrations that come with being one's own boss, and the cost of health insurance. There are countless guides out there to help people adjust to this change and use the benefits of self employment to excel professionally and personally. But even before those detailed and advanced strategies,...

Click here to see More Articles by John V
Publishers / Webmasters
Article ID: 432175
DELINK URL from Authors Bio
REMOVE Article
Tell A Friend
Leave A Comment!
Download this article in PDF
Report Article!
Search through all the articles:

225 Users Online!!
Related Articles:
Latest Articles:
Online Business >> Top 50 Articles on Online Business
Category - >
Advertising Advice Affiliate Programs Automobiles
Be Your Own Mentor Careers Communication Consumers
CopyWriting Crime Domain Names DoT com Entrepreneur Corner
Ebooks Ecommerce Education Email
Entertainment Environment Family Finance And Business
Food & Drink Gardening Health & Fitness Hobbies
Home Business Home Improvement Humour House Holds
Internet And Computers Kiddos and Teens Legal Matters Mail Order
Management Marketing Marriage MetaPhysical
Motivational MultiMedia Multi Level Marketing NewsLetters
Pets Psychology Religion Parenting
Politics Sales Science Search Engine Optimization
Site Promotion Sports Technology Travel
Web Development Web Hosting WeightLoss Women's Corner
Writing Miscellaneous Articles Real Estate Arts And Crafts

Disclaimer: The information presented and opinions expressed in the articles are those of the authors
and do not necessarily represent the views of and/or its owners.

Copyright AwareINDIA. All rights reserved || Privacy Policy || Terms Of Use || Author Guidelines || Free Articles
FAQs Link To Us || Submit An Article || Free Downloads|| Contact Us || Site Map  || Advertise with Us ||
Click here for Special webhosting packages for visitors of this website only!
Vastu Shastra

Email Marketing Solutions Provided By AwareIndia

Company IDS