It might not be possible to wish car theft away, but there are safeguards you can put in place to reduce the risk. Check out these easy steps that can help put the brakes on car theft.

Install a tracking device

Vehicle tracking and recovery systems are one of the best ways to prevent your car from being stolen. These systems usually consist of small wireless devices installed inside your car. If your vehicle gets stolen, you'll be able to locate and recover it anywhere in Canada or the US. Some tracking services also mark your car with a small logo, usually etched on your windshield and parts with a high resale value. If you're concerned about protecting your privacy, rest assured that most systems will only start tracking your vehicle after it's been reported stolen. Your supplier can provide you with more details about their practices for locating your vehicle. Better yet, installing a tracking device can actually help lower your insurance premium if you drive a high-risk vehicle.

If your insurance company has recommended a tracking device for your car, or if you're thinking of getting one to set your mind at ease, use a popular brand that's known for its reliability. Tag Tracking, Kycs Locate, and Domino Tracking are among the best-known tracking systems.

Once your tracking system is installed, don't forget to contact your insurer so they can record your registration number and system installation date.

Take extra precautions

In addition to getting a tracking system, make sure to keep your doors locked at all times, even if you're just stepping away for a few minutes. You should also double-check that all your windows are rolled up, that your trunk is locked and that your doors are closed properly. Park your car in a well-lit, busy area where thieves are less likely to strike. Never leave your car running without supervision, and keep valuables such as laptops, cellphones and bags with you at all times. If you must leave these items in your vehicle, make sure they're out of sight.

Keep an eye on your keys

If you have a remote starting system: Thieves can intercept your signal and clone your key fob, which they can use to get into your vehicle. You can prevent your key from being copied by keeping it in a special pouch that blocks radio signals. If you have a traditional key, always keep it in a safe place, and never leave it unattended. Don't leave a spare key inside your car.

You can also take extra security precautions to keep your key fob signal from being intercepted, such as keeping your key in a metal container that blocks radio signals or buying a Secure Fob system. The Secure Fob system uses a motion-sensitive chip to monitor your key at all times. It disables your key's battery 3 minutes after its last movement, making it undetectable by potential thieves.¹

Consider driving a lower-risk vehicle

Cars that are popular, easy to get into or built with in-demand parts are at higher risk of theft. By choosing a lower-risk vehicle, you'll reduce the likelihood of it being stolen.

According to the Équité Association,² these were the 10 most frequently stolen vehicles in Canada in 2022:

1. Honda CR-V
2. Dodge Ram 1500
3. Ford F-150
4. Lexus RX
5. Toyota Highlander
6. Honda Civic
7. Jeep Grand Cherokee
8. Land Rover Range Rover
9. Chevrolet / GMC Silverado / Sierra
10. Jeep Wrangler

Use security devices

There are other security devices you can use to reduce your risk of vehicle theft:

• Install a steering wheel locking system to slow thieves down.
• Install a cap to prevent thieves from accessing your on-board diagnostics (OBD) port. This way, thieves won't be able to hack into your vehicle's computer and start the engine without a key.
• Choosing a vehicle with visible locking devices and an alarm system can also be a great way to discourage thieves.

Having your car stolen is an extremely stressful experience. That's why it's so important to do everything within your power to protect yourself. Keep in mind that this advice is general. You should always consider the unique aspects of your situation and where you live when taking preventive measures.

Remember that your automobile insurance policy doesn’t cover items that you are carrying, such as portable computers, mobile phones, purses, equipment (e.g. GPS) or sports equipment. To protect these items at all times, be sure to have a complete  home insurance policy.

This article is being provided by APEGA on behalf of The Personal which has a group sponsorship agreement with regards to home and auto insurance for our members.

The Personal refers to The Personal General Insurance Inc. in Quebec and The Personal Insurance Company in all other provinces and territories of Canada.The information and advice in this article are provided for informational purposes only. The Personal shall not be liable for any damages arising from any reliance upon such information or advice. The Personal recommends using caution and consulting an expert for comprehensive, expert advice.

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