Cars are a proud possession and everyone is always searching for the best auto insurance rates. Your car is your most precious possession and you can’t live without it. It is important to choose the right insurance coverage and limits if you want your vehicle to be protected from all possible damage. Comprehensive insurance coverage will also cover theft. While some companies offer a standalone comprehensive coverage, others sell combined collision and comprehensive coverage. You can shop online for the best auto insurance rates. Keep a clean driving record, choose the right vehicle, and avoid auto theft to keep your claims low.
According to FBI statistics, a motor vehicle is taken every 26 seconds in the United States. Additionally, there are more than 1.2 million motor vehicles that are stolen each year. When you look at the probability ratios, 1 auto is more likely to be stolen than 190. Urban areas are more at risk for car theft. These are some tips to prevent auto theft and protect the property inside.
If you park your car in a parking lot, or go shopping, do not forget to turn the key.
Lock your windows and doors even if your car is parked in your driveway, or in the driveway of someone you know. You should always lock your door and park your car in the garage.
You should make sure that your GPS, stereo, and other equipment are easily removable. This will allow you to lock your trunk in case your equipment is stolen. You should also ensure that your home policy has sufficient coverage to cover your personal property. These items would not be covered by your auto insurance policy.
Place your car in a well-lit, busy parking area so that it is less likely that someone will pick up the car. Even if you don’t see it immediately, someone will be able to provide more information.
You should not leave your keys with the attendant when you park the vehicle in the garage for repairs or oil changes.
Parking your car with the wheels pointed straight at the curb is a good idea. This will keep it from rolling and discourage thieves. Also, you can have the emergency brakes/gears turned on to prevent the vehicle from moving immediately.
Anti-theft devices for your vehicle are the best choice. Insurance companies will offer a discount for anti-theft devices such as alarms, window engravings and anti-hot-wiring.
According to the National Association of Insurance Commissioners in nine states Florida (Illinois, Kentucky, Louisiana), Massachusetts (Minnesota), New Mexico (Pennsylvania), Pennsylvania (Rhode Island), and Louisiana (Louisiana), insurers are required to offer discounts to car owners on base rates of comprehensive insurance that covers antitheft devices. These discounts average between 15-20% in Massachusetts.
It is important to remember that certain vehicles, such as the 1995 Honda Accord, the 1995 Honda Civic and the 1989 Toyota Camry are most frequently stolen. This is according to the 2008 National Insurance Crime Bureau survey. These vehicles are highly desirable and should be protected from theft.
It is possible to make the process of insuring your car easy with a little caution and care. You can protect your pride and your car from theft, as well as get the best auto insurance rates. You will get the best auto insurance rates if you take care of your car and your driving record.