8 Ways to Reduce Vehicle Theft and Keep Insurance Premiums Low

While there are no sure proof ways to stop car theft, there are many ways to prevent car theft. Some of these tactics will also help keep your insurance premiums low. Some tactics that can prevent car theft include: a car alarm, immobilizer, microdot, killswitch, and a GPS.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 3, 2021

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As the motor industry becomes more successful, the business of stealing vehicles improves as well. Nearly 1 out of every 200 vehicles has been stolen or broken into. This is a staggering number that equates to more than $7 billion in property damage every year.

While nothing in life is “safe”, there are steps and precautions people can take to make sure that their vehicle doesn’t become a statistic.

Here are 8 ways to reduce vehicle theft and keep insurance premiums low:

1) Car alarm:

Car Alarm

Thieves depend on silence. They operate best in the quiet. Through years of practice, they learn to perform their job without giving off a single sound.

This makes a car alarm one of the best deterrents. The obnoxious wail they emit when a vehicle has been tampered with is loud, piercing and notifies anyone within blocks. Nothing makes a thief run for the nearest exit like a car alarm.

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2) Immobilizer:


This futuristic tool is available to today’s vehicle owner. It is an electronic device the size of a small remote that prevents the vehicle from starting unless the correct key is used.

The immobilizer is a car owner’s dream. Locks and tempered glass can hold back a car thief for only so long. What happens when they break the lock or smash the window? Where are you then? With an immobilizer, you are still protected.

Using an immobilizer is the equivalent of having a thumbprint pad on your steering wheel. The vehicle will recognize only the proper driver.

3) Microdot:


As technology advances, the gap between science-fiction and reality closes. The microdot is like something out of a spy movie. It is a specialized identification tag that features an image or word that has been greatly reduced in size, so much so that it is unidentifiable by the human eye. The chosen image or word is about the size of a text period (.).

Microdots can be placed on almost any object. If the stolen vehicle is found, the owner can identify it by locating their signature microdot and examining its content.

4) Killswitch:


It’s not hard to figure out what the killswitch does. When a car thief is determined to steal a vehicle, the killswitch can stop or slow them down by “killing” the car. For a car to operate, the killswitch must be in the closed or “off” position.

These devices are concealed in obscured areas of the car, such as beneath a seat, under the dashboard or hidden in the control panel.

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5) Warnings:

Warning Sign

Some thieves can be repelled just by warning them. Signs that announce the auto-theft capabilities of a vehicle can make some would-be car-jackers think twice.

These signs should be large enough to read and placed in prominent locations on the vehicle.

6) Modesty:

Modest Car

A vehicle with the brightest paint job, shiniest wheels, loudest sound system and flashiest amenities is a target for car thieves. It’s your vehicle and you can adorn it with anything that expresses your personality, but know that the more you put into your vehicle, the more you can lose.

Be modest and don’t advertise how much can be stolen.

7) Vigilance:


No technology, machine or device will ever replace human effort. By taking precautions, you can exponentially reduce your risk of vehicle theft.

Avoid unsafe parking locations, and don’t keep your car out overnight in a public place if you can help it.

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8. GPS:


Should your car be stolen, GPS vehicle tracking, the king of all locators, becomes the last line of defense. Using satellites, GPS vehicle tracking can locate a car miles, even states, away from where it was last seen.

Many new vehicles come with GPS as a basic feature. If a vehicle doesn’t have GPS, it needs to be installed.

The less trouble your vehicle is to the insurance company, the less you pay. Companies reward hassle-free drivers. This means keeping vehicle theft and break-ins to a minimum. Consider all of these options, especially GPS vehicle tracking, if you want to reduce vehicle theft and keep insurance premiums low.

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