Anti-Theft Devices: What Works, What Doesn't

Did you know a vehicle is stolen every 26 seconds (according to the FBI's 2007 Crime Reports.) There's ways to prevent theft but first, you should decide if you need an anti-theft device, if you should just take steps to reduce the chance of theft through other means, or both! It's also smart to do the research-- find out if you're in a hot theft area or is your vehicle one of the most stolen! The following may help...

Newer cars are more appealing, and they are usually more secure

The Top 10 Most Stolen Vehicles
The following cars and trucks were stolen most frequently in 2008, according to the NICB.

1. 1994 Honda Accord
   
2. 1995 Honda Civic
   
3. 1989 Toyota Camry
   
4. 1997 Ford F-150
   
5. 2004 Dodge Ram
   
6. 2000 Dodge Caravan
   
7. 1996 Jeep Cherokee/Grand Cherokee
   
8. 1994 Acura Integra
   
9. 1999 Ford Taurus
   
10. 2002 Ford Explorer
    

Vehicle Theft Hot Spots
The following 10 metropolitan statistical areas had the highest rate of vehicle theft per 100,000 residents in 2008, according to the NICB.

1. Modesto, Calif. 1
   
2. Laredo, Texas 6
   
3. Yakima, Wash. 9
   
4. San Diego/Carlsbad/San Marcos, Calif. 3
   
5. Bakersfield, Calif. 15
   
6. Stockton, Calif. 4
   
7. Las Vegas/Paradise, Nev. 2
   
8. Albuquerque, N.M. 7
   
9. San Francisco/Oakland/Fremont, Calif. 5
   
10. Fresno, Calif. 11

Anti-Theft Options
There's a number of different things you can do to protect your vehicle from theft. Among some of these things are:

1. Brand parts with your VIN Number
   
   You have have this etched on the windows, under the hood, trunk, battery, etc. May be especially appropriate with aftermarket parts.
   
   You can have it done by a professional or get a DIY kit for about $20.
   
   
2. Steering-Wheel Lock
   
   The Club is probably the most popular and well-known brand. Prices range from $25 to $100, depending on brand.
   
   
3. Kill Switch
   
   When this gets activated, the device shuts down part or all of the engine's electrical system. Some models have one built in, if not, they're relatively easy to install. But check with your warranty first because installation may make it null and void.
   
   These range in cost from $10 to $125.
   
   
4. Alarm System
   
   Alarm systems have a range of features. Make sure it is installed with a back-up battery or invest in a hood lock to deter car thieves from simply unplugging the battery (rendering your alarm useless).
   
   
5. Hood Locks
   
   Bar thieves access under the hood to your battery or parts. Costs range between $20 to $50.
   
   
6. Tire Locks
   
   Similar to "the boot", they're quite visible to thieves but aren't easy to install. Probably best for stored vehicles.
   
   Cost? Between $80-$200.
   
   
7. Vehicle Tracking System
   
   LoJack, OnStar, etc. LoJack, for example works directly with law-enforcement if your vehicle is stolen. The transmitter is hidden (even from the owner) and is activated when a thief is reported. LoJack is highly successful with a 90% return rate.
   
   OnStar is similar and comes standard in all GM's new models, as well as some Acura, Audi, Isuzu, and Volkswagen.
   
   LoJack retails for $695. Depending on the desired features, OnStar starts at $18.95 per month or $199 per year.

Thank you to Cars.com

Home Security Systems

On a daily basis you see ads on TV for home security systems. We at Fey Insurance highly recommend the installation of a Home Security System to add additional protection for you and your family. Insurance will work to put your property back in place after a fire or burglary, but a Home Security System will work to prevent or minimize the effects of that fire or burglary. If you are interested in such a Home Security System, please call us and we will tell you our opinion of the various manufacturers and what features to consider. For example battery backups are usually included in Home Security Systems, but we would also recommend cellular backups for your system in the event your normal phone service goes down or even disabled by a potential burglar. We would include carbon monoxide detectors in your system especially if you have a natural gas furnace or hot water heater. Central station monitoring is preferable to systems that go directly into a police or fire dispatch. Both are considered superior to a system that only sounds a local alarm in your home. There are discounts on your Homeowner policy for the installation of a Home Security System. Please call us to review those discounts. But the most important reason, in our opinion, to install such a system is for additional security for your family and peace of mind that you are doing everything to protect your family and your property.