auto http://www.wisebread.com/taxonomy/term/7386/all en-US 6 Times When It's Okay to Drop Insurance http://www.wisebread.com/6-times-when-its-okay-to-drop-insurance <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-times-when-its-okay-to-drop-insurance" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/woman_summer_happy_000034797820.jpg" alt="Woman learning when it&#039;s ok to drop insurance coverage" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you really want to be safe, you could buy insurance for just about everything in your life. You can insure your car, home, life, possessions, and can even buy insurance to cover your funeral costs. But with all of that money going out the door, you might not have enough left over to enjoy those things you're insuring.</p> <p>Sometimes, the costs of insurance outweigh the benefits, and the money spent on premiums could be better spent elsewhere. Here are six times when it's worth considering dropping insurance coverage.</p> <h2>1. Collision Coverage</h2> <p>Collision coverage protects your car if it's damaged or suffers a total loss in an accident. If you're still paying off or leasing a car, your lender may require such coverage until you own the car outright.</p> <p>But because vehicle values depreciate every year, the insurer will only pay up to the actual cash value of your car after you've paid the deductible. A vehicle's condition is also factored, so knowing every year your car's actual cash value &mdash; or Blue Book value &mdash; can help you determine if you should drop collision coverage.</p> <p>One rule of thumb is to skip collision coverage if the vehicle's cash value drops below $4,000. The cost of insurance for a low value car could cost more than the total vehicle repair and replacement costs in an accident.</p> <p>Another rule is that if collision insurance costs more than 10% of the value of the car, then it's worthwhile to drop it and put that savings aside for a new car. For example, if collision coverage costs $200 a year on a car valued at $2,000, it's worth keeping the premium for yourself.</p> <p>However, if you don't have enough money set aside to pay for a major vehicle repair after an accident, then you may want to keep collision coverage.</p> <p>With or without collision coverage, you'll still need liability insurance to cover repairs to property damaged by your car in an accident.</p> <p>You also may want to consider where you're driving before dropping collision insurance. Some areas aren't as safe as they might seem, according to Auto Insurance Center. Some rural areas are <a href="http://www.autoinsurancecenter.com/americas-deadliest-driving-counties-and-states.htm">more deadly to drive in</a> than urban areas, the site found.</p> <h2>2. Comprehensive Auto Insurance</h2> <p>This type of auto insurance is usually sold together with collision coverage. Your insurance company may require having both. A comprehensive-only policy may be limited to special circumstances, such as for a classic car that's rarely driven.</p> <p>Comprehensive coverage covers you if the car is stolen, vandalized, or is damaged by fire, weather, natural disasters, or acts of God. It also provides coverage if you hit a house in a one-car accident, a deer or other animal runs into your car, you hit a fence, or experience damage in a riot.</p> <p>Like collision coverage, it could be worthwhile to drop comprehensive coverage if your car isn't worth much and repairing such damage would be more than the value of the car.</p> <p>However, comprehensive is usually a small part of an insurance premium, and you may not be able to drop it unless you also drop collision coverage.</p> <h2>3. Rental Reimbursement</h2> <p>Some insurers include rental car reimbursement in their policies. You may need a rental car if your car is damaged in an accident and is at an auto shop for a few days. But if the accident is someone else's fault, their insurance may pay for your rental car. If you're at fault, it's your expense.</p> <p>Check to see how much you're paying each month, or year, for this type of insurance, and determine if the costs outweigh what you'd pay yourself for renting a car. Is it worth the chance you'll need it?</p> <h2>4. Roadside Assistance</h2> <p>The same logic goes with roadside assistance sold with your car insurance. Chances are you rarely use it and that you have it mainly for the peace of mind when you get on the road.</p> <p>You may already have duplicate coverage by having AAA, OnStar, or some other service, so dropping this insurance coverage is a no-brainer. Or it may be cheaper to call a friend, relative, or even a tow truck when you're out of gas or need a flat fixed.</p> <h2>5. Term Life Insurance</h2> <p>Having term life insurance is meant for exactly that: a &quot;term&quot; of your life. It's a common type of insurance to buy when starting a family, so that your spouse and children aren't left without income if you die during your working life.</p> <p>But if your children are in college and no longer live at home, or you're retired, then extending a term policy may not be worthwhile.</p> <h2>6. Insurance Riders</h2> <p>As part of your homeowners insurance, you may have bought riders to cover expensive items that aren't covered under a normal policy. These can include expensive artwork, jewelry, or heirlooms you've inherited.</p> <p>If you've sold such things or donated them to charity and no longer own them, then it's time to drop these insurance riders.</p> <p>Having too much insurance is an enviable problem. Whether it's life insurance or over-insuring a home and its possessions, it's a good idea to check with your insurance agent each year to determine if you have too much (or not enough) coverage.</p> <p><em>What types of insurance coverage have you dropped?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/aaron-crowe">Aaron Crowe</a> of <a href="http://www.wisebread.com/6-times-when-its-okay-to-drop-insurance">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/when-to-drop-collision-coverage-on-your-car">When to drop collision coverage on your car</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/repair-the-car-or-spend-the-cash">Repair the Car or Spend the Cash?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-mechanical-breakdown-insurance-worth-it">Is Mechanical Breakdown Insurance Worth It?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-your-car-stolen">How to get your car stolen</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-cheap-auto-insurance-for-young-drivers">How to Get Cheap Auto Insurance for Young Drivers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Insurance auto collision coverage premiums rentals Wed, 06 May 2015 11:00:24 +0000 Aaron Crowe 1408966 at http://www.wisebread.com 7 Ways to Prepare Your Car for Winter http://www.wisebread.com/7-ways-to-prepare-your-car-for-winter <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-ways-to-prepare-your-car-for-winter" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/woman-cleaning-snow-windshield-Dollarphotoclub_28403476.jpg" alt="woman cleaning snow car" title="woman cleaning snow car" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The weather outside may be frightful, but your driving experience can still be delightful. All it takes is a little preparation to set yourself up for a safe and sound winter driving season.</p> <p>Of course, the best advice is always this: When the roads are slick and unsafe, stay home. But if you must go out, you'll be glad you planned ahead.</p> <h2>1. Check the Battery</h2> <p>Your vehicle's battery <a href="http://corporate.interstatebatteries.com/winterizing_batteries/">loses 33% of its power</a> when the temperature dips below freezing and as much as 60% of its juice when the mercury falls below zero. So it's wise to give the battery and its charger a once-over to ensure they're performing optimally. A quick trip to your local car technician will quickly reveal whether the battery is winter-ready, or corroded and otherwise not performing well.</p> <h2>2. Switch to Winter Wiper Blades and Cold Weather Washer Fluid</h2> <p>Windshield wipers are crucial to a clear view from the driver's seat &mdash; but a nasty winter storm makes their job many times harder. That's why you should consider investing in a pair of winter blades, which are built to withstand precipitation and freezing cold. Most winter blades are encased in a protective rubber shell that prevents ice and snow from hardening on the wiper. The going rate for a pair ranges from less than $20 to about $40, depending on size and quality.</p> <p>While you're attending to windshield issues, car safety experts also suggest switching over to cold weather washer fluid, or any brand containing antifreeze.</p> <h2>3. Store a Shovel in the Trunk</h2> <p>You're driving down the road when your tires hit a patch of ice that sends you sliding into a snow bank. It's a gentle spinout that causes no injury or damage, but now your front tires are sunk in a heap of fresh snow. You're not going anywhere for awhile &mdash; unless you packed a shovel and have the muscle to dig yourself out. The shovel needn't be a humdinger, just something sturdy that fits in the trunk.</p> <h2>4. Check the Tire Pressure</h2> <p>For every 10 degree change in temperature, car tires <a href="http://www.goodyear.com/cfmx/web/corporate/media/news/story.cfm?a_id=371">lose a pound of pressure</a>. That's why it's wise to make sure the pressure in all four tires is in check at the outset of the winter season. In cold weather, any pressure imbalance will be made that much worse.</p> <h2>5. Evaluate the Tire Tread Depth</h2> <p>Car tires in any season need <a href="http://www.tirerack.com/winter/tech/index.jsp">a tread depth of at least 6/32-inch</a> to get adequate traction, according to Tire Rack. If yours fall short, you're going to need to go tire shopping. Wintry road conditions necessitate even more depth than normal to help the tire grooves compress and release snow as they roll. Without sufficient tread depth, spinouts are more likely.</p> <p>Should you opt for new winter tires, be sure to get a full set. Mounting winter tires on the front of a front-wheel-drive car can prompt sliding while putting winter tires only on the back of a rear-drive car will make turns more difficult.</p> <h2>6. Switch to Thinner Oil</h2> <p>Cold weather thickens the engine oil, which forces the car battery to work double time to get your car running smoothly. But you can give your battery a break and prevent potential engine trouble by switching over to a thinner oil. Most vehicles are served well by a 5W-20, 5W-30, or 10W-30 oil formula, but be sure to <a href="http://www.consumerreports.org/cro/2012/12/winterizing-your-vehicle/index.htm">check your owners manual</a> for notes on compatibility. It's also wise to have the oil filter changed to maintain fluidity.</p> <h2>7. Pack a Blanket</h2> <p>Should you get stranded on the side of a highway during a temper tantrum by Jack Frost, you'll be much less likely to run the risk of frostbite, hypothermia, or plain old cold weather discomfort if you've got a warm blanket stowed away in the trunk. While you're at it, it's not a bad idea to add a set of hand warmers, gloves, a wooly hat, a flashlight, bottled water, and a non-perishable snack to your winter weather emergency survival kit. Here's hoping you never have to use it.</p> <p><em>What do you do to prep your car for winter?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/7-ways-to-prepare-your-car-for-winter">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-how-rich-youd-be-if-you-stopped-driving">Here&#039;s How Rich You&#039;d Be If You Stopped Driving</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-cheap-ways-to-make-your-car-look-awesome">12 Cheap Ways to Make Your Car Look Awesome</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/56-life-hacks-to-help-you-win-at-winter">56 Life Hacks to Help You Win at Winter</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-your-car-stolen">How to get your car stolen</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/five-reasons-why-i-love-public-transportation">Five Reasons Why I Love Public Transportation</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living auto Cars driving emergencies snow winter Wed, 24 Dec 2014 18:00:09 +0000 Brittany Lyte 1271197 at http://www.wisebread.com Giving Up Your Car May Be Easier Than You Think http://www.wisebread.com/giving-up-your-car-may-be-easier-than-you-think <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/giving-up-your-car-may-be-easier-than-you-think" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/180647558_fbb63c3ca9_z.jpg" alt="selling vehicle" title="selling vehicle" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>I had owned a vehicle since my junior year of high school. Like many, I considered it a birthright.</p> <p>It wasn't until two years ago when both my wife and I worked two miles from our employers that we started to question whether we both needed our own vehicle. Getting over that initial stigma of &quot;downsizing&quot; to one vehicle wasn't easy at first, but the idea gradually started to appeal more to us over time.</p> <p>And then, we did it. We sold the vehicle that we still had payments on and kept the older vehicle that was in the free and clear.</p> <p>Not only was it one of the best financial decisions I ever made, but I also feel much better about myself for not depending on a machine (that pollutes the environment) to get around. (See also: <a title="10 Cost-Conscious Commuting Options" href="http://www.wisebread.com/10-cost-conscious-commuting-options">10 Cost-Conscious Commuting Options</a>)</p> <h2>Giving Up a Vehicle Requires Alternatives</h2> <p>Living two miles from work made the transition extremely easy. Living a block away from a bus route made it even easier. In order to successfully make the transition to not owning a vehicle, realistically, you'll need at least one of the following alternatives:</p> <ul> <li>Live within 2-3 miles so that you can self-power your commute through walking or biking. Note that with this option, weather will undoubtedly throw you some curve balls.<br /> &nbsp;</li> <li>Live along a bus or other mass transit route.<br /> &nbsp;</li> <li>Work regular hours and be on a route that permits a significant other, friend, or co-worker to drop you off.</li> </ul> <p>Luckily, I had two of the three. This made my transition extremely easy.</p> <h2>The Benefits of Giving up a Vehicle</h2> <p>There are many:</p> <h3>Money, Money, Money</h3> <p>This is a personal finance blog, so we'll hit that first. I calculated that I have saved about $2800 annually. This was on a used vehicle that cost me $11k. A new, or more expensive vehicle would obviously make this number much higher. Basically add up your <a title="How Much Car Can You Afford?" href="http://www.wisebread.com/how-much-car-can-you-afford">monthly payments</a>, insurance costs, maintenance costs, and fuel. Edmunds has a <a href="http://www.edmunds.com/apps/cto/CTOintroController">true vehicle cost calculator</a> to help you figure out this number, based on your make and model. And don't forget the money you will save in parking costs if you work in an urban setting.</p> <h3>Environment</h3> <p>You can find out your CO2 impact based on the make and model you own and miles you drive at <a href="http://www.fueleconomy.gov/">fueleconomy.gov</a>.</p> <h3>Peace of Mind</h3> <p>Having one less possession &mdash; in this case probably your most expensive possession aside from a house &mdash; is very liberating. It's hard to place a value on it.</p> <h3>Space!</h3> <p>Not having to store a vehicle opens up your garage for other things.</p> <h2>The Downsides of Giving Up a Vehicle</h2> <p>The only one for me is not being able to conveniently drive long distances to get to a destination whenever I want. However, I was surprised to find out how little this actually happened. There has literally only been a handful of times in two years. And for those times, there's always the car rental outfits, your friends, or <a href="http://www.anrdoezrs.net/click-2822544-11220075">Zipcar</a>.</p> <p>Over the last two years, I started to realize that owning a vehicle is truly a privilege and not a birthright, or even a necessity. If you can make the move, you won't regret it.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ge-miller">G.E. Miller</a> of <a href="http://www.wisebread.com/giving-up-your-car-may-be-easier-than-you-think">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dead-car-battery-give-it-a-glass-of-red-wine">Dead car battery? Give it a glass of red wine.</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-money-on-gas-free-ebook">Save money on gas + free ebook</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cooking-great-meals-with-your-car-engine-the-heat-is-on">Cooking great meals with your car engine. The heat is on.</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-hidden-advantages-to-getting-rid-of-your-car">7 Hidden Advantages to Getting Rid of Your Car</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-your-car-stolen">How to get your car stolen</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation auto automotive car commuting getting rid of vehicle selling vehicle vehicle Tue, 28 Sep 2010 13:00:08 +0000 G.E. Miller 249558 at http://www.wisebread.com How to get your car stolen http://www.wisebread.com/how-to-get-your-car-stolen <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-get-your-car-stolen" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/2133907173_9458675e99.jpg" alt="auto theft" title="auto theft" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p class="MsoNormal">Every 26.4 seconds, a vehicle is stolen in the U.S.* If you want yours to be one of those vehicles, just follow these simple guidelines and the thief will be driving away in your nice set of wheels before you can say “follow that car.”</p> <p class="MsoNormal"><strong>1: Own one of the top 10 most stolen cars in America</strong></p> <p class="MsoNormal">A report put out by the NICB in 2007 lists the following cars as the most stolen in the nation (the list varies slightly by state, go to the <a href="https://www.nicb.org/cps/rde/xchg/nicb/hs.xsl/index.htm">NICB </a> to find your specific area). No surprise to learn that the ever reliable Honda tops the list, again. </p> <p class="MsoNormal">1: 1995 Honda Civic</p> <p class="MsoNormal">2: 1991 Honda Accord</p> <p class="MsoNormal">3: 1989 Toyota Camry</p> <p class="MsoNormal">4: 1997 Ford F-150 Series Pickup</p> <p class="MsoNormal">5: 2005 Dodge Ram Pickup</p> <p class="MsoNormal">6: 1994 Chevy C/K 1500 Pickup</p> <p class="MsoNormal">7: 1994 Nissan Sentra</p> <p class="MsoNormal">8: 1994 Dodge Caravan</p> <p class="MsoNormal">9: 1994 Saturn SL</p> <p class="MsoNormal">10: 1990 Acura Integra</p> <p class="MsoNormal">If you’re wondering where all the fancy cars are (Mercedes, Hummer, Porsche etc), just put yourself in the position of a thief. These cars are top-dollar items and are much more difficult to “get rid of.” The good old ’95 Civic is everywhere. It hardly draws attention to itself.</p> <p class="MsoNormal"><strong>2: Live in California</strong></p> <p class="MsoNormal">6 of the top 10 cities for car theft are in California (if you live in Modesto and own a ’95 Civic, the odds are really running high that you&#39;ll be the victim of a car thief). Here’s how they rank: </p> <blockquote><p><strong>Rank** <span> </span>Metropolitan Statistical Area <span> </span><span> </span>Vehicles stolen<span> </span></strong><br /> 1<span> </span>Modesto, CA<span> </span><span> </span><span> </span>7,071<span> </span><span> </span><br /> 2<span> </span>Las Vegas/Paradise, NV<span> </span><span> </span><span> </span>22,465<span> </span><span> </span><br /> 3 <span> </span>Stockton, CA<span> </span><span> </span><span> </span>7,586 <span> </span><span> </span><br /> 4<span> </span>Phoenix/Mesa/Scottsdale, AZ<span> </span><span> </span><span> </span>41,000 <span> </span><span> </span><br /> 5 <span> </span>Visalia/Porterville, CA<span> </span><span> </span><span> </span>4,257 <span> </span><span> </span><br /> 6 <span> </span>Seattle/Tacoma/Bellevue, WA<span> </span><span> </span>33,494<span> </span><span> </span><br /> 7 <span> </span>Sacramento/Arden-Arcade/Roseville, CA<span> </span>20,268<span> </span><span> </span><br /> 8 <span> </span>San Diego/Carlsbad/San Marcos, CA<span> </span><span> </span>28,845<span> </span><span> </span><br /> 9 <span> </span>Fresno, CA <span> </span><span> </span>8,478<span> </span><span> </span><br /> 10<span> </span>Yakima, WA<span> </span><span> </span>2,212 <span> </span><span> </span></p> </blockquote> <p><em>**Ranked by the rate of vehicle thefts reported per 100,000 people based on the 2000 Census. *Source: National Insurance Crime Bureau</em></p> <p class="MsoNormal"><strong>3: Leave the keys in the ignition while you run an errand.</strong></p> <p class="MsoNormal">Any cop will tell you that car theft is usually a crime of opportunity. A good friend of mine recently fell victim to this. Her husband started up the car to let it warm up, went inside to grab the kids for school, came back outside literally 1 minute later and the car was gone. The same can happen if you pop to the ATM or check the mail. Leave the keys in the car and you’re just asking for trouble.</p> <p class="MsoNormal"><strong>4: Park at the back of the lot at malls, sporting arenas or even at work. </strong></p> <p class="MsoNormal">I know a few people who park way at the back of the lot. They have their reasons, too: it’s good to walk further (fair enough), there’s always a spot at the back, and the favorite is that they’re much less likely to get a dent or ding. That’s all well and good, but thieves like it nice and quiet, away from the crowds. And your shiny, ding-free car just looks even more tempting now. The back of the lot is a car thief’s equivalent of being a kid in a candy store.</p> <p class="MsoNormal"><strong>5: Don’t get LoJack</strong></p> <p class="MsoNormal">Most cars these days come with a factory-installed alarm. It may deter a few criminals but most professional car thieves know how to disable the alarm…and they’re exceptionally quick at it, too. </p> <p class="MsoNormal"><a href="http://lojack.com/">LoJack</a> however is a different story. It’s linked directly to law enforcement, it can be installed in any number of places on your car, and over 90% of cars stolen with a LoJack system are recovered within 24 hours. If your car isn’t recovered in that time, you get a complete refund of the MSRP of the car. You also get insurance discounts. That’s basically a good way of knowing that these things really do deter thieves. If you’ve got LoJack, car thieves will almost always move on; it’s just not worth the risk. </p> <p class="MsoNormal"><strong>6: Don’t keep your car in the garage</strong></p> <p class="MsoNormal">Sadly, I’m one of these people. We ran out of storage room in the house, we don’t have a basement and so we spilled over into the garage. I park outside now and thus run a much higher risk of having my car stolen. Not only is it more easily accessible, it’s also advertising itself to thieves. “Out of sight, out of mind” is true in this case. If your car is nicely hidden in a locked garage, only a very determined thief (who knows what’s in there) will attempt to break into the garage and then the car.</p> <p class="MsoNormal"><strong>7: Keep a spare set of keys in the car</strong></p> <p class="MsoNormal">How about in some place the thieves would look first, like above the sun visor, in the center console or, better still, in the glove box. That way, if the thief does get into your car, he won’t have to hotwire the car but can instead make an even quicker getaway.</p> <p class="MsoNormal"><strong>8: Leave your car unlocked </strong></p> <p class="MsoNormal">It works every time. Car thieves will often just work their way down a row of cars parked on the street, trying the handle of each one and moving on. And if yours is unlocked, bingo, they’re in. The Arizona police informed me that if you leave your car unlocked, you have a 1 in 30 chance of having it stolen. Those are pretty good odds, right? Combine this with number 6 and you’ve handed your car to the thief on a silver platter. </p> <p class="MsoNormal"><strong>9: Leave your valuables clearly visible in the car</strong></p> <p class="MsoNormal">Give the would-be thief a reason to break the window or jimmy the lock. Once they’re in and rummaging around for jewelry, money, personal information and credit cards, they may just decide to take the whole car. One crime leads to another.</p> <p><strong>10: Park in a dimly-lit area</strong></p> <p>Street lighting; overhead lighting in parking lots; the glow from late night stores; all of these areas illuminate the car thief while at work. Better to park in an area with no lighting, so that the criminal can get to work under cover of darkness.</p> <p>These are my top ten tips for improving your chances of getting your car stolen. Don’t follow them and hopefully you won’t be calling to report a stolen car any time soon.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/how-to-get-your-car-stolen">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-your-new-tires-really-6-year-old-ticking-time-bombs">Are your new tires really 6-year old ticking time-bombs?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-cars-that-thieves-dont-touch-and-5-simple-anti-theft-tricks">5 Cars That Thieves Don&#039;t Touch (and 5 Simple Anti-Theft Tricks)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/used-toyotas-are-being-discounted-would-you-buy-one">Used Toyotas Are Being Discounted. Would You Buy One?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/uglify-your-stuff-to-keep-it-safe">Uglify Your Stuff To Keep It Safe</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-protect-yourself-from-gasoline-thieves-4">How To Protect Yourself From Gasoline Thieves</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Consumer Affairs auto Cars stolen theft thief Wed, 12 Mar 2008 04:32:21 +0000 Paul Michael 1909 at http://www.wisebread.com