Preventing Auto Theft

Here are some things you can do right now to prevent or minimize auto theft losses in the future:

While at home: Always park in a locked garage if possible, or off the street in a well-lit area near your home.

When away from home: Always park in a well-lit, high traffic area and remove the key from the ignition. Almost 80 percent of stolen vehicles were unlocked, and over 10 percent still had the key in the ignition. Never make a quick stop at a convenience store or bank teller machine and leave the engine running and your car unlocked.

While in your vehicle: Keep your doors locked at all times while you are in your vehicle to minimize the possibility of a carjacking. If you are involved in a minor traffic incident (i.e., rear-ended) in an unfamiliar, poorly lit or sparsely populated area, proceed to a safe area.

Purchase an anti-theft system: Consider an inexpensive steering wheel lock -- consumers spend about $100 million annually on such devices -- or other theft deterrent (ignition cutoffs, alarms, etc.). It could reduce your risk of theft by 20 percent or more. You may be entitled to an auto insurance discount that will offset the cost of such devices or systems. Check with your independent agent for details.

Copy important documents: Keep a copy of important document (i.e., vehicle title, bill of sale) and other essential information (i.e., your Vehicle Identification Number, license plate number, etc.) somewhere other than your auto. After a theft, one of the first things the police will ask for is your license plate and VIN numbers -- keep a copy in your wallet or purse.

Read your insurance policy: Take the time now to read your insurance policy before you experience a loss. All insurance policies contain exclusions -- certain kinds of auto equipment and certain vehicle uses may not be covered. Likewise, review the provisions of your policy that address your duties after a loss occurs so that you will know what to do if your vehicle is stolen.

Enhance your insurance coverage: If you own or lease an expensive vehicle and have several years to pay on the loan or lease, an actual cash value settlement -- because autos depreciate so rapidly -- may not be adequate to even repay the loan or lease, much less replace your vehicle. Many companies have optional coverage available for an additional premium that can protect you from this possible gap. Talk to your insurance agent about the proper coverage for your individual needs.

Get an appraisal: Consider getting an annual appraisal of your auto, particularly if your vehicle is more valuable than a comparable stock make and model due to extras, low mileage, etc. Then, if your vehicle is stolen and not recovered, and you feel the settlement offered by your insurance company is low, you will have documentation to support your position.

Don't buy a stolen vehicle: If buying a used vehicle, check the VIN plate on the driver's side of the dashboard for tampering and compare the number to the number on the title, registration papers, and federal certification label on the driver's side door.

Consider buying a "low-risk" vehicle: Some vehicles may be almost 100 times more likely to be stolen than others, making them more expensive to own and insure. Costs should be considered when purchasing a vehicle. For a comparative list of vehicles -- including their injury rate and susceptibility to theft and collision losses -- contact the Insurance Institute for Highway Safety. Phone: 703/247-1500 or their web site at www.hwysafety.org.

Be wary of stolen parts: Use a reputable repair shop employing ASE-certified auto mechanics.