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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.
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