Vehicle theft is very costly for insurers and they need to protect against that cost by raising everyone’s premium. It is one of those things that is just built into the cost of your insurance. There are many things that you can do in order to mitigate the risk of having your car stolen such as being smart about where you park, and always locking your car. Those things, however, are not really quantifiable and so the insurance companies will not cut your rates because you tell them how careful you are because if it was that easy then everyone would just tell their insurance company that they are very careful and go on getting their discount. However, there are quantifiable things that you can do which will mitigate the risk of vehicle theft, and your car insurance company will cut your rates if you have it. Onstar and Lojack are a couple of the products/services that you can purchase which will actually reduce the risk of loss of your vehicle, and at the same time, if you let your insurance company know that you have one of those services, they will cut your premium.
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