Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • Be aware of your surroundings, especially when you park your car in areas you are unfamiliar of
  • Car insurance customers often want to include car theft in their policy but can’t afford it
  • Buying car insurance is much more than simply comparing quotes and choosing a provider

Imagine parking your car in a safe enough spot on the street. There are plenty of lights around your vehicle and the neighborhood is one you’re familiar with, so there’s no harm or doubt that it will be as protected as it can.

You go into the movie theater or attend a concert with ease, but when you return to your car hours later, you realize it was not safe from vandalism.

The windows have been broken into, your stereo has been stolen and in its place are bits of shattered glass.

No one was around to see the auto theft take place and you discover after calling your car insurance company that you aren’t covered.

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The Reality of Car Insurance Coverage

When it comes to the average car insurance policy most drivers have liability, collision and comprehensive insurance.

However, many car insurance policies will not cover auto theft of personal property or limit how much you can claim, assuming you have the right type of car insurance coverage.

By shopping around you can find comprehensive insurance or even collision insurance that may cover auto theft in their policies but read the fine print.

Sometimes, having your car damaged is the least expensive part, although it’s nice to have a policy that will cover the damages.

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Reducing Your Risk of Vandalism

Although the risk for your car to be broken into can happen anywhere and at anytime, there are some rules of thumb to be mindful of when leaving your car for an afternoon or evening.

Consider removing your GPS systems by placing it in the glove compartment or another safe place as GPS systems are some of the most common items stolen.

By understanding what your risks are, you can backtrack to make sure that you are doing everything to protect yourself from the vandalism that occurs in both typical and unexpected areas.

How can I find the best car insurance rates?

Although it takes some time, finding a policy you can afford that includes all of the particulars you need such as car theft is possible.

It requires some calling around and asking specifically about the possible scenarios where your vehicle could be damaged or stolen such as:

  • Are you covered for car theft?
  • How much coverage do you have?
  • Are personal property items covered?
  • What type of car insurance does this fall under? Comprehensive, collision, uninsured motorist, etc.?
  • What is your deductible for a claim due to auto theft?

You need to learn about the details of coverage and understand that only a full coverage car insurance policy will provide maximum protection to you and your vehicle.

Drivers who simply purchase a policy which meets minimum car insurance requirements by the state often have no coverage in most car accident and almost zero when it comes to auto theft.

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