Don’t Let Car Theft Happen to You

Although car theft in the United States decreases slightly every year, it’s still a significant problem. According to the Insurance Information Institute (III), the U.S. motor vehicle theft rate in 2007 was 363.3 per 100,000 people. Every 28.8 seconds a car is stolen (2008 FBI data). Theft of components is also a problem, with 75,000 stolen airbags a year reported by the III. The problem is worst in urban areas. The South and West each account for about 36 percent of all car thefts in the country. Taken together, these two regions were the scene of nearly three-quarters of motor vehicle thefts in the United States.

Although vehicle theft has been decreasing every year since 2006, only 59% of stolen vehicles were recovered last year, according to the National Insurance Crime Bureau. Car theft is a major problem that can leave you without transportation while you deal with a time-consuming insurance claim. Here are some ways to reduce your chances of becoming a car thief’s next victim.

* Lock up. Newer cars are easier than ever to secure when you step away even for a few minutes, with automatic locks and remote key fobs. Close your sunroof and roll up your windows before you leave. Avoid starting your car to warm it up unless you’re sitting in it. An idling vehicle with the keys in the ignition takes mere seconds to steal and drive away.

* Be careful where you park. When you park at home, a locked garage is best, but the driveway is still safer than the street. Choose well-traveled, well-lit areas when parking away from home, for your own safety as well as to avoid vehicle theft.

* Don’t give a car thief extra incentive. Take your purse, briefcase, or electronic gadgets with you instead of leaving them in the car. Instead of keeping your car’s paperwork in the glovebox, carry it with you and make copies for other family members. Most of all, don’t deal with your tendency to forget your keys by keeping an extra one attached to the vehicle somehow. Car thieves know all the best spots to find hidden keys, and if they find yours, they don’t even have to break a window to steal your car.

* Invest in anti-theft technology. These items aren’t foolproof, but they can make a car thief pass up your vehicle for an easier target.

If you don’t have a lot of money to spend, the basic “Club” type of steering wheel lock gets good reviews by law enforcement officials and provides a visual deterrent to theft. Brake pedal locks can accomplish the same thing.

A car alarm is a highly effective way to chase thieves away from your car and alert law enforcement in the area. An alarm system is simply a sensing device attached to noisemakers like sirens and horns. Sophisticated alarm systems go beyond the basic door trigger switch found in low-end systems and use motion detectors, sound sensors that pick up the pitch of glass breaking, air pressure detectors that know when a car door is open, and even sensors that know when your vehicle is being driven up a ramp onto a thief’s flatbed trailer.

Immobilizing devices, also known as kill switches, work by disabling vital components necessary to start your car, such as the fuel pump or the battery circuit. Radiofrequency identification devices (RFIDs) only allow your car to start if you use an ignition key that emits an electronic signal.

GPS devices and radio transmitters provide law enforcement with a way to find stolen vehicles and apprehend criminals. The LoJack transmitter system has a 90 percent recovery rate. Insurance carriers have begun offering their customers discounts on premiums to LoJack users, as well as on the transmitter systems themselves.

Avoiding the car models that are most popular with thieves is another way to keep from becoming a victim. Crooks like late-model luxury SUVs like the Cadillac Escalade and the Hummer H2 because of their high resale price. If a thief has a chance to choose between stealing an SUV and stealing a small car, odds are eight times higher that the SUV owner will be the victim.

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