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12-13-2017, 09:11 PM | #1 |
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Best anti-theft system?
So, it's winter .
First year driving my BRZ, and won't be able to drive it for the next few months. It'll be stored in my driveway very visible (without insurance) and basically if it were to be stolen during this period, I'm screwed. All along I've been searching and comparing prices for car GPS trackers, steering wheel locks etc. but then realized, BRZ's have an engine immobilizer, correct? Meaning it can't be stolen without the cars near by. Or am I incorrect in this thinking and someone can still steal it without the keys? It's a 2015 BRZ Limited 2.0. Thanks! |
12-13-2017, 09:49 PM | #2 |
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Insurance that covers theft is far more important than an anti-theft system. Anti-theft systems should be used to compliment your insurance and lower your rate.
Think about it this way: 1) Anti-theft systems can fail. 2) Key signals can be boosted or faked with the appropriate software. 3) My third point is not anti-theft related, but I have seen far too many vehicles hit in their own driveway by drunk/sleeping drivers. |
12-13-2017, 09:53 PM | #3 |
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Easy to get comprehensive only insurance on a stored vehicle, and it's reasonably priced.
Insurance company just wants location of where vehicle is to be stored. I currently have it on a vehicle stored in a barn in New York State...a vehicle I use only summers, and sometimes not for two or three years. I must turn in the license plates to do so, in order to drop BI, PD, and UM/UIM insurance. |
12-13-2017, 10:27 PM | #4 | |
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Not to mention there may be laws against such thing, not sure about your area. |
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12-13-2017, 10:50 PM | #5 |
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Unless your car is paid off, removing the insurance is a violation of your loan agreement.
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12-13-2017, 10:59 PM | #6 |
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Okay I should have mentioned, it wasn't necessarily my choice, I had a falling out with my mother after I moved out, and took my car with me and can't get insured til March (when I get my full License).
I'm in Canada, and here you need a Full License to get your own policy, otherwise you have to be listed on someone else's. Does anyone have the answers to my other questions about the security and keys etc.? |
The Following User Says Thank You to becausethexo For This Useful Post: | TheRoops (12-13-2017) |
12-14-2017, 12:10 AM | #7 |
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12-14-2017, 12:22 AM | #8 | |
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So here is the deal, in 2016 there was an estimate of 263.6 million vehicles in the US and there was 765 thousands thefts. That means the average car has a 0.3% chance of getting stolen. Probably slightly higher for cars that are easier to steal like older cars. Also higher for desirable cars like expensive cars, or for tuner cars like your BRZ, but I still wouldn't be concerned. On the other side, paying for insurance premiums is guaranteed. Say the cost for comprehensive is just $100 more per month than the minimum required by law. That is $1200 a year, $12,000 every ten years, and $60,000 every 50 years. A google search will tell you that the average person pays about 50% more than that over their lifetime. Unless you are unlucky you are likely not to get that money back in claims for accidents, thefts, vandalism and acts of nature. Insurance is a gamble for those without cash in their account. If you can't afford to get a replacement car then get insurance. If you would rather invest the money in a 401k or IRA and take your chances then that is a gamble too. After ten or twenty years, if you are accident free then that $12-24k in your account is your insurance in case you do crash, and could be growing with compound interest if invested. https://coverhound.com/insurance-lea...d-for-how-much |
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12-14-2017, 12:45 AM | #9 | |
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Start a savings account or get insurance are your two best bets. |
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12-14-2017, 01:06 AM | #10 | |
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12-14-2017, 10:24 AM | #11 |
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12-14-2017, 01:07 PM | #12 |
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So you have a loan, are driving / storing the car uninsured until March, and cannot even get insurance.
Sell the car. Buy one when you can legally do what you need to. |
12-14-2017, 01:10 PM | #13 | |
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Quote:
This ^
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12-14-2017, 09:26 PM | #14 |
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Most importantly
Most importantly,
As the years go by, the cars you own will come and go but you will only have one Mom. Make amends if at all possible |
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