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All other things equal, the easier it is to steal your car, the higher your insurance premium will be.





Agreed, but it’s a risk/return decision. In my city, car theft is like 80% less than it was 20 years ago. 60% of stolen cars are running in the driveway (warming up in the winter), and 20% of the cars in the peak year a few years ago were Hyundai/Kia with the egregiously bad locks.

Good enough to stop crackheads is my desire in this space. Doubling the cost of a $400 key to reduce my chances of a loss by 3% is a hard no.




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